Insurance Law
Apris Law Firm offers trusted, strategic, and legally sound solutions in insurance law and regulation. Whether navigating policy disputes, handling claim denials, or ensuring compliance with evolving IRDAI frameworks, Apris ensures that clients receive clear guidance, assertive representation, and outcomes that protect their rights and business continuity. Apris offers both advisory and litigation services in matters involving the Insurance Act, 1938, IRDAI regulations, and contract law principles governing insurance policies in India.
1. Claims Advisory and Dispute Resolution
- Advising insured clients on health, property, fire, marine, motor, and life insurance claims
- Representation in disputes involving denial of claims, delay in settlement, subrogation, and contribution
- Filing and defending claims before:
- Consumer Commissions (District, State, and National)
- Civil Courts and High Courts
- Arbitration Tribunals where applicable
- Settlement negotiations and out-of-court claim resolution
2. Regulatory & Compliance Advisory
- Guidance on compliance with IRDAI regulations, circulars, and licensing norms
- Advisory on registration and operations of insurance brokers, corporate agents, TPAs, and web aggregators
- Assistance in product structuring, distribution models, and digital insurance platforms
- Legal support during IRDAI inspections, show-cause notices, and enforcement actions
3. Policy Drafting and Review
- Drafting and vetting of insurance contracts, policy wordings, endorsements, and riders
- Advisory on exclusions, limitation clauses, and interpretation of policy conditions
- Tailored policy solutions for corporates, infrastructure projects, and business continuity risks
4. Insurance Litigation
- Representing both policyholders and insurers in:
- Coverage disputes
- Misrepresentation and non-disclosure issues
- Fraudulent claim allegations
- Recovery and indemnity proceedings
- Strategic litigation in reinsurance, professional liability, product liability, and directors & officers (D&O) insurance cases
Clientele
Apris Law Firm advises:
- Insurance companies (life, general, and health)
- Corporate policyholders across sectors (real estate, manufacturing, energy, pharma, IT)
- Insurance intermediaries – brokers, agents, TPAs
- Startups and digital insurance platforms
- Individual insured clients seeking claim remedies
Why Choose Apris for Insurance Law:
- In-depth understanding of both insurer and insured perspectives
- Strong litigation capabilities in insurance-related disputes
- Expertise in IRDAI norms, compliance strategy, and sector-specific risks
- Multi-disciplinary support in claims involving property, health, cyber, and commercial losses
- Client-focused, commercially viable legal solutions
