Insurance law - Spain

The Insurance Law department at Belzuz Abogados, S.L.P. began its activity as part of the Commercial Law department, advising our clients on aspects related to the insurance sector.

The growing demand for services related to the world of insurance and the particularity and specialisation required by this sector made it necessary to create a department in 1998 to analyse and study insurance law issues in a differentiated manner.

Our experience

We have extensive experience in legal advice in the insurance regulatory area, providing legal advice to Spanish and foreign insurance companies.

We have a multidisciplinary and multinational team, made up of lawyers in Spain and Portugal specialising in insurance, commercial, tax and procedural law, to handle matters correctly, both in terms of consultancy and advice and in the judicial and extrajudicial management of claims.

Our clients

The main national and international insurance companies entrust their claims to our team. We are currently involved in all types of major claims, in all lines of insurance.

With the support of the Litigation area, Belzuz Abogados is involved in multiple judicial, arbitration and expert proceedings for the correct handling of claims at a national level.

Global Service

Our presence in Spain and Portugal, with our own offices in Lisbon and Porto, allows us to offer the insurance sector a global service throughout the Iberian Peninsula, providing added value in the processing of claims for insurers.

We have been directly involved in the implementation of different insurance companies in the Iberian market, helping them to grow and adapt their structures and policies to local requirements and peculiarities.

A spirit of negotiation

At Belzuz Abogados we are driven by a spirit of negotiation and intervene on behalf of our clients in the search for conciliatory solutions, avoiding recourse to the courts as far as possible.

International vocation – INSURALEX Claims and Legal Defense

With a clear international vocation, Belzuz Abogados S.L.P. in Spain and Belzuz Abogados – Branch in Portugal, participated in the creation of INSURALEX – Global Insurance Lawyers Group (www.insuralex.com) in 2002, an international network of law firms specializing in insurance and reinsurance, which includes over 50 associated firms from 38 different jurisdictions worldwide. INSURALEX was established with the goal of facilitating insurance claims due to economic globalization and has a strong growth-oriented spirit.

We have extensive experience in Insurance and Reinsurance Law, advising both Spanish and foreign insurance and reinsurance companies. Our multidisciplinary team consists of lawyers in Spain and Portugal, specializing in insurance and reinsurance, civil liability in all its areas, procedural law, as well as commercial and tax lawyers, allowing us to provide a comprehensive approach to the client’s needs from the perspective of all legal branches.

  • Advice and opinions on applicable legislation

  • Relations with the Dirección General de Seguros and with the Consorcio de Compensación – (access to the insurance business, extension of authorisation for the business, revocation of authorisations, infringements and sanctions, complaints to the supervisory authority)

  • Analysing and adapting policies (drafting general, particular and special conditions, analysing and limiting risk, etc)

  • Consultations with the regulatory body Dirección General de Seguros, specifically on financial products for investment. All this in direct dialogue with the regulator

  • Rights and obligations of the parties, payment of premiums, quantification of compensation

  • Legal advice for agents, brokers and other insurance distributors, selection of the insurance distributor that best suits the client’s interests

We intervene in the handling, claim and/or legal defence or resolution of issues related to civil liability

  • Product liability and industrial risks

We have extensive experience in advising on and defending product liability matters, having been involved in a number of complex cases relating to the industrial risk, food, pharmaceutical, medical devices and construction sectors, where we have managed the defence of large national and international mass claims for major companies and their insurers

  • Medical liability/medical personnel
  • Medical negligence claims

Legal assistance in out-of-court and court cases of liability for medical negligence, providing advice, monitoring and legal direction in claims, in administrative, civil or criminal proceedings, having advised and defended large insurance companies in multiple cases

  • Informed consent

Advice on compliance with patients’ information obligations, analysis of the sufficiency of consent in collaboration with specialised medical experts and legal advice on legal actions

  • Civil liability of nursing homes and similar social establishments

Legal advice in extrajudicial and judicial liability cases against social and healthcare establishments in all jurisdictions

  • Actions against nursing homes
  • Actions against palliative care centres
  • General liability
  • Directors’ liability D&O
  • Environmental liability
  • All risks/construction
  • Advice on claims management/negotiations

  • Pre-litigation and litigation, settlements and calculation of compensation

  • Recovery actions

  • Assessment of material and personal damage

  • Assistance and coordination with claims experts in assessing damage and identifying the causes of the claim

  • Legal defence

  • Advice on claims management/negotiation

  • Pre-litigation and legal claims, settlements and calculation of compensation

  • Claims for damages

  • Assessment of material and personal damage

  • Assistance and coordination with claims experts in assessing damage and identifying the causes of the claim

  • Legal defence

  • Setting up insurance companies

  • Setting up branches of foreign insurance companies

  • Mergers and acquisitions of insurance companies

  • Acquisition of portfolios

  • Tax representation in Spain of foreign companies under the Freedom to Provide Services (LPS) regime

  • Advice on claims management/negotiation

  • Pre-litigation and litigation, settlements and calculation of compensation

  • Recovery actions

  • Assessment of material and personal damage

  • Assistance and coordination with claims experts in assessing damage and identifying the causes of the claim

  • Legal defence

  • Advice on handling claims and out-of-court negotiations

  • Legal defence before the courts

  • Recovery and reimbursement actions

  • Filing precautionary measures to guarantee the smooth running of the case (seizures, attachment)

  • Management of enforcement proceedings and asset seizure procedures in coordination with the other professionals involved

  • Reviewing policies

  • Advice on managing/negotiating claims

  • Pre-litigation and legal claims, settlements and calculation of compensation

  • Recovery and reimbursement actions

  • Assessment of material and personal damage

  • Assistance and coordination with claims experts in assessing damage and identifying the causes of the claim

  • Legal defence

Medical Liability

Errors in medical or healthcare procedures are becoming increasingly common. If such errors are verified, they may give rise to liability on the part of healthcare professionals and/or institutions, whether public or private, in addition to the tragic consequences of these erroneous actions for the patients who suffer them and their families.

The legal regime governing this liability, which we will refer to as ‘medical’ liability, differs depending on whether the care was provided in a public or private centre. The former are subject to the regime of financial liability of the Administration and, therefore, to Administrative Law, while claims against private centres are governed by the rules of the Civil Code.

Medical liability is determined by the breach of the obligation of means that are required of the professional according to the state of science (the so-called ‘lex artis’) and which encompasses three obligations: i) that of diagnosis using all means available according to the state of science, ii) that of informing the patient in accordance with specific regulations, and iii) that of follow-up and monitoring until cure.

In this regard, we must bear in mind that the mere existence of damage in medical care does not mean that, in any case, we are faced with a liability-generating event, as the requirements established by the corresponding legal institution must be met.

Therefore, the analysis of each particular situation and its context is essential for a solid and adequate defence of the associated interests. Belzuz Abogados, S.L.P. has professionals with extensive experience in analysing similar situations, advising their clients both in the extrajudicial and judicial phases.

Professional Healthcare Liability

The legal regime governing civil liability in healthcare varies depending on the type of centre where the care was provided.

  • In public centres, the regime of financial liability of the Administration, regulated by Administrative Law, applies.

  • In private centres, civil law applies, in accordance with the principles of contractual and non-contractual liability.

We defend insurance companies in cases handled by the National Health System’s Health Services, from the administrative phase to their prosecution in all courts.

Key features:

  • Direct and objective liability (Art. 106.2 CE and Law 40/2015)

  • Compensation for damages arising from the operation of public services

  • Analysis of lex artis, causal link and compensable damage

We represent and defend healthcare professionals, private centres and their insurers in civil proceedings relating to healthcare, in accordance with Articles 1902, 1903 and 1101 of the Civil Code.

Most common avenues of claim:

  • Claims for contractual or non-contractual liability against the centre, the practitioner or the insurer of any of them.

  • Direct action against the insurer (Article 76 LCS)

  • Criminal defence in criminal proceedings in which civil liability arising from the offence is also settled (Articles 116 and 117 of the Criminal Code)

In all cases, we guarantee the best defence for both the insured and the insurance company.

What do we offer in terms of healthcare civil liability?

At Belzuz Abogados, we specialise in the management and defence of claims arising from professional healthcare and social healthcare activities. We have extensive experience in advising professionals, clinics, hospitals and insurers on all types of claims.

We offer comprehensive legal defence, both in the private and public spheres, including financial liability proceedings against public administrations and regional health services.

What do we offer in terms of healthcare civil liability?

We are fully committed to each client and each case. Defence in matters of healthcare civil liability requires:

  • In-depth knowledge of healthcare law and patients’ rights

  • Technical and legal analysis of lex artis and clinical documentation

  • Accurate assessment of risk and liability criteria

  • The ability to anticipate risk

  • Mastery of contentious-administrative, civil and criminal jurisdictions

  • Expert handling of the damages scale

Our experience allows us to act competently in any proceedings, from the amicable phase to the final court ruling.

What tools do we have at our disposal?

Our

Team

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