Insurance Law
We know how a claim is assessed from the inside.
A policy only proves its worth when a loss occurs. We help you understand what your insurance really covers, present your claim on solid ground and challenge a denial or an insufficient payout with technical and legal arguments.
Our prior experience inside insurance companies tells us how coverage is analyzed, which documents are requested, how a claim is adjusted and where disagreements usually arise. That perspective lets us anticipate objections and present each claim with the support the insurer needs to see.
We advise insured companies, brokers and insurers on reviewing policies before they are purchased, on handling claims and on the disputes that follow. When agreement is not possible, we take the case to the Insurance Ombudsman (Defensoría del Asegurado), INDECOPI, the SBS, SUSALUD, arbitration or the courts, as appropriate.
Our Insurance Law practice includes:
- Policy and coverage review: general, specific and special conditions, exclusions and warranties.
- Claims support: claim preparation, documentation and follow-up of the adjustment.
- Denied claims: assessment of the denial and a strategy to overturn it.
- Civil liability: advice when a third party claims damages and the policy must respond.
- Complaints and proceedings: Insurance Ombudsman, INDECOPI, the SBS and SUSALUD.
- Insurance litigation and arbitration: disputes over coverage, payouts and subrogation.
When might you need us?
- The insurer denied your claim or is offering less than expected.
- Your claim has gone months without a clear answer.
- The insurer cites an exclusion, a breach of warranty or a misrepresentation.
- You are buying or renewing an insurance program and want to know what it really covers.
- A third party is claiming damages and you need to know whether your liability policy responds.
- You are a broker or insurer and need an outside legal opinion on coverage or a lawsuit.
Need advice in this area?
Send us the denial letter or your policy and we will tell you what options you have.
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