Seguros y reaseguros-lac

Insurance and Reinsurance Lawyers in Panama | LAC Legal

Insurance and reinsurance

Sectors We Assist

At LAC Legal, we have a specialized team in the insurance and reinsurance sector, handling everything from policy drafting to complex litigation before the Superintendency of Insurance and Reinsurance of Panama (SSR) and the courts.

The insurance and reinsurance sector is transversal. We work with:

  • Infrastructure and public works
  • Transportation and logistics
  • Energy and mining
  • Finance and financial services
  • Health and life insurance
  • Corporate and asset protection
  • Legal team with deep knowledge of the insurance and reinsurance sector in Panama.
  • Experience in complex claims, subrogation, and international reinsurance.
  • Representation before the SSR and Panamanian courts.
  • Strategic approach for insureds, insurers, and reinsurers.
  • Bilingual service (Spanish and English) for international investors.

If you need legal advice in insurance or reinsurance —for insureds, insurers, reinsurers, bonds, or public works— our team is ready to help.

SERVICES

Policy Drafting and Analysis of Insurance Products

– Design and review of policies for personal, general, and surety insurance lines.
– Legal assessment of new insurance products and their coverages.
– Legal advisory for product launches in the Panamanian market.
Suggested guide: Insurance Policy Design in Panama – Key Legal Aspects

Claims, Subrogation, and Recovery

– Assistance in claims procedures before insurers.
– Subrogation recovery of insurance credits.
– Defense in coverage denials, dispute of losses, and rights of affected third parties.

Suggested guide: Insurance Claims and Subrogation in Panama – How to Proceed

Legal Defense in Claims before the Superintendency and Courts

– Representation before the SSR for complaints, claims, and sanctions.
– Judicial proceedings for civil liability arising from insurance or reinsurance policies.
– Defense of insurers, reinsurers, and insureds in complex litigation.
Suggested guide: Insurance Litigation in Panama – Legal Strategy and Regulatory Claims

Reinsurance Contracts and International Coverage

– Negotiation and drafting of reinsurance contracts.
– Legal aspects of facultative and proportional reinsurance.
– Advisory on international coverage and risk transfer.
Suggested guide: Reinsurance Contracts – Essential Clauses and Legal Risks in Panama

Surety Bonds and Guarantees for Public and Private Projects

– Drafting of performance bonds for public and private contracts.
– Management of legal guarantees in major projects.

Suggested guide: Performance Bonds in Panama – Legal Obligations and Claims

Leaders

Diego Lacayo Krupnik

Partner

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Lac Group

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