ZAFAR & ASSOCIATES - LLP | Insurance Law Services - Pakistan

Insurance Law Services

Insurance law is the part of law practice concerning insurance policies and claims, insurance is a contract, 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

  • Co-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.

Insurance Brokers

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

Application of Pakistani Laws to Policies Issued in Pakistan

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.

Lawyers Professional Liability Insurance

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

Office Insurance Package

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!"

Life Insurance, Disability Insurance, Long Term Care Insurance

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

1

Collaborative Skillset

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

2

Emotional Intelligence

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

3

Technological Affinity

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

4

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

  • Thank you for your email and the final draft. Indeed it is one of the finest drafts I have come across with. Certainly, your commitment level, eagerness to resolve, intellectual strength, attention to detail and legal expertise are commendable. Under your admirable guidance and direction, I have been able to maneuver with immense success and will reach fruition much earlier than anticipated. Thank you for being so supportive!

    Yaser Shan ~ Toronto, Canada
  • Thank you again so much for this wonderful service. I just wanted you both to know, I spent weeks searching for a service in Pakistan like this, that could legally handle payroll for a Pakistani employee for a US based business and so far I am extremely happy with your organization's service and punctuality. Your service thus far is absolutely amazing and I know Sunita is grateful that we were able to find your organization to ensure her position at our company.

    Prince E. Rich IV | CEO ~ Rich Technology Group LLC, USA
  • We are very happy with the work you have done. Its highly appreciated the professionalism and deep research by the team. Accept our deep gratitude! I do not know how to say Thank you to you and your team! It's a masterpiece you have created and we are very thankful for your help to assist in our social cause.

    Imtiaz Makhani ~ Karachi, Pakistan
  • Thank you very much for your fantastic support, which has been absolutely invaluable throughout the process. We really enjoyed working with you and look forward to plenty more opportunities for shared projects into the future.

    Dr. Albrecht Muser | KPMG ~ München, Germany
  • Working with all of you over the last years has been a pleasure and an honour! Your expertise, focus on customer service and professionalism make it possible for us to provide superior services to our clients and I am so grateful to you.

    Maude Burger-Smith ~ Cape Town, South Africa
  • 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
  • We are complately satisfied with the e-communication and provided services. We would like to thank the whole team, and Ms Iram Fatima in particular, for your professionalism and the Due Diligence you carried out.

    Elena Pavlova ~ France
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    Alex Gilchrist ~ Somerset, UK
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    Yolanda Slabbert ~ Port Elizabeth, South Africa
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    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
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    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
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    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
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    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.

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  • 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.

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    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.

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    M. Iftikhar Sheikh ~ Dhahran, Kingdom of Saudi Arabia