Insurance Law & Lawyers in Pakistan

Insurance Law

Insurance is a contract whereby, for a stipulated consideration, one party undertakes to compensate the other for loss on a specified subject by specified perils. The party agreeing to make the compensation is usually called the "insurer" or "underwriter", the other the "insured" or "assured", the agreed consideration, the "premium", the written contract, a "policy" the events insured against "risks" of "perils" and the subject, right, or interest to be protected, the "insurable interest"; A contract whereby one undertakes to indemnify another against loss, damage, or liability arising from an unknown or contingent event and is applicable only to some contingency or act to occur in future; An agreement by which one party for a consideration promises to pay money or its equivalent or to do an act valuable to other party upon destruction, loss, or injury of something in which other party has an interest.

Insurance transfers and allocates risks from the person taking the policy or "the insured" to the insurance company or "insurer." An insurance policy is a special agreement between the insurer and the insured. To be enforceable, the insurance policy must meet all of the usual requirements of a contract and, in addition, the insured must have an "insurable interest" in the subject matter being insured, such as property, life, and health.

Businesses usually carry basic property insurance and commercial liability policies. But they may also carry fidelity insurance, business interruption insurance, and directors and officers' liability insurance.

Any time an insured individual is denied insurance benefits or offered less than what they believe to be adequate, there is potential for a coverage dispute. For example, an employer's workers compensation insurance will normally cover an injured employees' medical bills for injuries sustained in workplace accidents. But if one employee purposely causes the injury of another that may not be classified as an "accident", and the employer, rather than the insurance company may be responsible for the medical bills. Similarly, a home owner may hire a contractor to build an addition onto his or her house and then offer to help with the construction to reduce costs. If the home owner is injured, whose insurance company has to pay?

If you're involved in an insurance dispute, make sure your attorney has the experience and skill to make sure your rights are protected.

Insurance law services

When it comes to insurance, the right protection means everything. For most people it means peace of mind and the reassurance that when something goes wrong, they get the help and support needed to resolve the situation. We provide outstanding legal support for our clients. This is underlined by the fact you have may have been referred to us by your insurance company, as we work for some of the largest and most successful insurance companies in Pakistan and Worldwide.

We're experts in insurance law services

Although you may be benefiting from our expertise in insurance law without realizing it, if you ever had to make use of your policy, you'd know the difference it can make to have one of the largest law firms in Pakistan on your side.

Of course, you can't buy your insurance from us direct, but it's good to know that there are real legal experts behind your policy; experts who not only know the insurance market, but are leaders in the legal field, able to pursue your claims with a comprehensive knowledge of the legal claims process.

Requesting legal representation

We also offer a legal representation service for motoring offences and "totting up", which means we can represent you in legal matters where you are facing the loss of your driving licence or imprisonment for driving related offences.

At ZA-LLP, our aim is to provide you with practical, straightforward information to help you understand the issues, and how best to deal with them. We have broken down the subject matter as follows and we assist our clients in the following areas:

Accident Insurance
Accounts Receivable Ins.
Additional Insured
Air Travel Insurance
All-risk Insurance
Annuity Insurance
Assessment Insurance
Business Insurance
Business Interruption Ins.
Casualty Insurance
Collision Insurance
Commercial Insurance
Comprehensive Insurance
Concurrent Insurance
Convertible Collision Ins.
Convertible Insurance
Convertible Life Insurance
Co-operative Insurance
Credit Insurance
Crime Insurance
Crop Insurance
Decreasing Term Ins.
Deposit Insurance
Employer's Liability Ins.
Endowment Insurance
Errors and Omissions Ins.
Excess Insurance
Extended Term Insurance

Family Income Insurance
Fidelity Insurance
Fire Insurance
First Party Insurance
Fleet Party Insurance
Floater Insurance
Fraternal Insurance
Government Insurance
Group Insurance
Group-term Life Insurance
Guaranty or Fidelity Insurance
Hail Insurance
Health Insurance
Homeowners Insurance
Indemnity Insurance
Inland Marine Insurance
Joint Life Insurance
Keyman Life Insurance
Level Premium Insurance
Liability Insurance
Life Insurance
Limited Payment Life Insurance
Limited Policy Insurance
Major Medical Insurance
Malpractice Insurance
Manual Rating Insurance
Marine Insurance
Mortgage Insurance

National Service Life Insurance
No-fault Auto Insurance
Non-Assessable Insurance
Old Life Insurance
Ordinary Life Insurance
Paid-up Insurance
Participating Insurance
Partnership Insurance
Product Liability Insurance
Public Liability Insurance
Reciprocal Insurance
Renewable Term Insurance
Retirement Income Insurance
Self Insurance
Single Premium Insurance
Social Insurance
Split Dollar Insurance
Step-rate Premium Insurance
Straight / Whole Life Insurance
Suerty and Fidelity Insurance
Term Insurance
Title Insurance
Trust Insurance
Unemployment Insurance
War Risk Insurance
Worker's Compensation Insurance

Table: Insurance Law Services

ZA-LLP provides the services to an insurer, newly Public Limited Company or a body corporate incorporated, in getting its Registration Certificate from the Commission under the Insurance Ordinance 2000 and also in Revocation of Registration, Solvency, Reinsurance Arrangements, making Accounts & Audit Report, Amalgamation Transfer of Insurance Business and Winding up.


We also help for making an application before the Commission for getting an Insurance Broker's Licence and Insurance Surveyors according to prescribed manners.


The holder of a policy of insurance issued by an insurer in respect of insurance business transacted in Pakistan have the right to receive payment in Pakistan of any sum secured thereby and to sue for any relief in respect of the policy in any Tribunal; and if the suit is brought in Pakistan any question of law arising in connection with any such policy shall be determined according to the law in force in Pakistan.

ZA-LLP also provide legal services to any insurer or policy holder by representing before the Small Disputes Resolutions Committees for settlement of arbitrate disputes or before any Insurance Tribunal for trial of any application, High Court (Double Bench) and Supreme Court for appeal and Insurance Ombudsman for any Reference or for making any complaint of mal-administration on the part of any insurance company on behalf of aggrieved person.


Legal malpractice insurance is the foundation of a law firm's insurance program. Not surprisingly, this is our specialty here at ZA-LLP.


This should include coverage for commercial general liability, office contents, computer equipment, software, data, client files, law library, etc. "Hint: If you lease office space from another firm, don't make the mistake of assuming that their policy covers you!"


We maintain relationships with some of the best and most knowledgeable financial consultants, who specialize in the unique needs of professionals.

  • Automobile Insurance

  • Life and Health Insurance

  • Natural Disasters

  • Property Insurance

  • Reinsurance

Acts and Ordinances in Pakistan

  • The Insurance Act, 1938

  • The War Injuries (Compensation Insurance) Act, 1943

  • The Riot and Civil Commotion Risks Insurance Ordinance, 1947

  • The Pakistan Insurance Corporation Act, 1952

  • The Employees' Social Insurance Ordinance, 1962

  • The War Risks Insurance Ordinance, 1965

  • The Federal Employees Benevolent Funds and Group Insurance Act, 1969

  • The War Risks Insurance Ordinance, 1971

  • Life Insurance (Nationalizations) Order, 1972

  • The Employees' Old-Age Benefits Act, 1976

  • The National Insurance Corporation Act, 1969

  • The Insurance Ordinance, 2000

Rules and Regulations

  • The Pakistan Insurance Corporation Rules, 1953

  • The Pakistan Insurance Corporation (General) Regulations, 1953

  • The Pakistan Insurance Corporation Employees' Provident Fund Regulations, 1954

  • Pakistan Insurance Corporation Staff (Medical Attendance) Regulations, 1955

  • The Pakistan Insurance Corporation (Compulsory Re-Insurance) Regulations, 1956

  • The Insurance Rules, 1958

  • Pakistan Insurance Corporation (Pakistan in the Share Capital and Underwriting of Stocks, Shares, Bonds or Debentures of Insurance Companies) Regulations, 1958

  • Pakistan Insurance Corporation (Staff) Service Regulations, 1959

  • The Export Credits Guarantee Scheme Rules, 1962

  • The War Risks Insurance Rules, 1971

  • The Life Insurance Nationalizations Rules, 1972

  • The State Life Insurance Corporation (General) Regulations, 1972

  • The National insurance Fund Rules, 1973

  • State Life Directors (Remuneration) Rules, 1973

  • The State Life Employees (Service) Regulations, 1973

  • The Insurance Settlement Board Rules, 1975

  • The Pakistan Insurance Corporation (Compulsory Surplus Reinsurance) Regulations, 1978

Our Core Competencies


Collaborative Skillset

Collaborative lawyers trust the wisdom of the group; lone wolves and isolationists do not do any good anymore.


Emotional Intelligence

Distant, detached lawyers are relics of the 20th century, the market no longer wants a lawyer who is only half a person.


Technological Affinity

If you can not effectively and efficiently use e-communications, and mobile tech, you might as well just stay home.


Time Management

Virtually a substantial part of lawyers difficulties in this regard lie with their inability to prioritise their time.

What People Say About Us

  • We are glad to inform you the receipt of current outstanding balance in our bank account from the disputed party. Therefore we request you to arrange to close the dispute case with them as per our management decision. We would like to take this opportunity to thank you for all the support and advice to solve this matter. It was pleasure working with you all.

    Rahul Meppad ~ Dubai, UAE
  • Thank you for your support in this process and for your great hospitality. Your assistance has been of great importance. It was also important to see and experience the high quality of your services and your well known firm.

    Magnus Greko ~ Sweden
  • Thank you for your support in this process. Your assistance has been invaluable. We are looking forward to a long lasting working relationship with you. Also, thank you for hospitality during these past days.

    Lothar Geilen ~ Germany
  • Dear Atty. Iram Fatima: I would like to let you know that my wife came in USA last week. The U.S. Embassy Islamabad approved her visa petition in the lights of all the wonderful endeavors done by you and Mr. Birach. It was a long legal battle of about 7 years. I must say that your law firm is one of the best in the country and you are a highly professional advocate. Dr. Zafar should feel proud to have you in his crew. Finally, again I would say Thanks for all your legal services and I am your best reference.

    Zubair Mufti ~ Texas, USA
  • Dear Dr Zafar and Iram: Thank you very much for timely submission of the excellent opinion letter. It is very well drafted and covers the key points. We very much appreciate your excellent and timely work in preparing the legal opinion.

    Mrs. Iqbal Farrukh ~ San Francisco, USA
  • Dear Attorney Iram Fatima: Thanks so much for all of your kind efforts in this area and I must admit that your legal firm is the best in the country.

    Zubair Mufti ~ Texas, USA
  • The efficiency and effectiveness of your services are much appreciated.

    James Alexander Linton Williams ~ UK
  • Many thanks for this, and thank you for being so prompt. It is very appreciated.

    Alex Gilchrist ~ Somerset, UK
  • Thank you again for handling my case so well, I am honoured to be represented by you.

    Yolanda Slabbert ~ Port Elizabeth, South Africa
  • Thank you very much for your great attention to my case, I see that you're a very serious company and I'm happy that I've choose you.

    Sergio Lujan ~ Bogota, Colombia
  • I really appreciate the help and support provided by Zafar and Associates to our company. I don�t know what to say or how to thank you, but to tell the truth your services are really the best legal services we have ever received. You are truly a professional and effective law firm.

    Adnan Branbo ~ Dubai, UAE
  • Thank you very much for your contribution. We will review the information and incorporate it into the International Citation Manual of Washington University Global Studies Law Review. Your help is appreciated.

    Naomi Levin ~ Washington, USA
  • I wanted to let you know that i got the documents. And i wanted to thank you and the whole team who worked on my case. You all did a good job thanks again.

    Naima Ashraf ~ The Hague, Holland
  • Thank you very much for all the work you have done to ensure that the Death in Service benefit reaches the parents of the deceased. Are they expecting this money and do they understand where it is coming from? We appreciate your assistance and excellent work.

    Susan Bauer ~ London, UK
  • I have no words to express my gratitude to you. People like you are very rare and I have the priviledge to know one of those. May God shower all blessings on to you and your family. I am a small man with only prayers on my lips.

    Dr. Haridev Bhargava ~ Saratoga, USA
  • I must say your handling of this matter has been totally sterling and I shall not have any hesitation in recommending you and your firm to others.

    Rosina Ahmad ~ UK
  • Good morning, I received the documents back yesterday afternoon. Thank you so much for your quick response to the job. We really appreciate it. Looking forward to working with you in the further.

    Mrs. Jan Malcolm ~ Auckland, New Zealand
  • Thank you very much for the case. It is just brilliant! I am so grateful that you went out of your way to help me.�

    Loraine Bhan ~ Suva, Fiji
  • I do appreciate highly the sense of commitment your office wishes to dedicate to the follow up of our question for information. I have transmitted the contents of your email IMMEDIATELY to the contact, together with confirmation of the highest esteem we attribute to the quality of the services rendered by ZAFAR & ASSOCIATES.

    Paul Wouters ~ Istanbul, Turkey
  • Thank you very much for the information and good news. I know you�ve been working too hard and I appreciate every single minute working with you all. It�s an experience to be in the team of hardworking people and I am very proud to be included.

    Evangeline Williams ~ Paphos, Cyprus
  • I would like to thank you for your swift and excellent service that your office recently provided us. I would definitely forward your contact information to my friends and family in reference to seeking legal matters in Pakistan. I would also inform Sean Hogan and his associates to pass on your contact information to any clients that may need assistance in the matters of law in Pakistan.

    Zarar Khan ~ Miami, USA
  • We are greatly impressed with your firm and the professional calibre of the partners. If acceptable, we would like to keep your firm as a reference for future projects. Please let me know.

    Tanaz Pardiwala ~ Barcelona, Spain
  • We are happy to inform you that we have received the original succession certificate via DHL. I want to take this opportunity to thank you for your efforts, especially Dr. Zafar, who was kind enough to handle the security deposit at the court. With our best wishes and success for the New Year, to you and your esteemed team, we remain with.

    Mansur Asrar ~ Istanbul, Turkey
  • I am writing to convey to you how much I appreciate your prompt service! My mother called me today and informed me that 2 lawyers from your firm visited her. It is a pleasant surprise to know that such a law firm exists in our very own country. I would definitely recommend your firm to any friend who is in need of professional legal services in Pakistan.

    Naveed Ahmad ~ USA
  • I am truly very impressed with the follow up of your law firm. I never thought a Pakistani firm would be so aggressive and pro-active. Do you even happen to come to NYC? If so, then please look me up here when you visit next.

    Faisal Mumtaz ~ New York, USA
  • I want to thank you for all services you have rendered to us. I really appreciate it and hope on further cooperation.

    Petrov Andrey ~ Moscow, Russia
  • With God's help you have done a great thing for our family. Thank you so much for your diligence and expertise. We are truly grateful to God for all that is possible now. We also are looking forward to meeting you and your staff when we arrive in Pakistan next month. Please let us know if there is anything we can bring for you from the United States as a gift.

    Shaukat Minhas and Colleen Davidson ~ Dallas, USA
  • Your help in investigation case is well appreciated. My brother and I are ever grateful to you for obtaining the document. Thank you and god bless you and your practice team.

    Kevin Lessani - Dallas - USA
  • I greatly appreciate that your law firm is very careful in its preparation of petitions. In fact, the outcome of a legal fight greatly depends on how effectively a law firm has presented its case. If it fails to conceive in advance as to what it will have to face in defense, it can not prepare an effective petition. I admire that ZAFAR & ASSOCIATES - LLP are very careful in their initial step i.e. to prepare petition, around which the whole legal battle is fought.

    M. Iftikhar Sheikh ~ Dhahran, Kingdom of Saudi Arabia