• We have unrivalled expertise advising on the full spectrum of legal and commercial issues relating to the insurance sector. Our clients include many of the world's largest insurance companies, Israel's major insurance companies, Lloyd's syndicates, brokers, HMOs and underwriters.  We work regularly with international law firms on insurance-related transactions and proceedings related to Israel.


    Our transactional and litigation experience in the insurance field includes:


    • Advising the insurance industry on corporate and regulatory issues, in particular advising on minimum capital requirements and permits to conduct insurance business and obtaining control permits from the Israeli Supervisor of Insurance Companies
    • Negotiating, arbitrating and litigating insurance coverage disputes
    • Defending insurers in individual and class actions against allegations of breach of good faith and fair dealing, violations of Israeli insurance regulations and fraud
    • Advising on policy wording and disputes regarding their contractual interpretation
    • Verifying compliance of insurance programs within the context of project and general corporate financing
    • Advising on the regulatory aspects on the acquisition of insurance companies
    • Advising on insurance aspects of mergers, acquisitions, divestitures and corporate restructurings
    • Advising on insurance within the context of project and infrastructure financings, including the taking of security over insurance policies


    Our lawyers, with expertise in litigation, regulatory compliance, transactions and public policy, are able to draw on a wealth of experience in order to tackle the multitude of issues faced by clients.


    The firm is regularly ranked among the leading firms in Israel for its insurance practice by the Legal 500.

    • Representing AIG Inc. in connection with all regulatory matters (including obtaining of necessary permits and a control permit under the Control of Financial Services (Insurance) Law 1981 from the Commissioner of Insurance) relating to its acquisition AIG Israel Ltd.
    • Representing HDI-Gerling Industrie Versicherung AG (a subsidiary of the HDI-Gerling Property & Casualty Insurance Group, one of Europe's largest insurance companies, specialising in industrial insurance), in several multi-million dollar claims under certain insurance policies underwritten by HDI
    • Representing the insurance giant AXA Corporate Solutions Deutschland, in a claim filed by Israel Aircraft Industries against an AXA insured concerning alleged defects in products manufactured by the insured
    • Representing Phoenix Insurance Company Ltd., Israel's largest insurance company, on various matters, including representing Phoenix:


    (i) in a class action filed against it in connection with alleged overcharging of building insurance premia that is required to be obtained as a condition to obtaining a mortgage by various mortgage companies; and

    (ii) in proceedings to set aside a tender issued by Israel Railways Corporation Ltd. that was awarded to Harel Insurance Company Ltd. The tender related to the largest, in value, insurance policy to be taken by Israel Railways. As a result of these proceedings, the original tender was set aside and a new tender, which Phoenix won, was issued


    • Representing Allianz Global Corporate & Specialty AG (an Allianz SE subsidiary, and a world leader in corporate insurance) in its subrogated defence of its insured, Wacker-Chemi GmbH, a leading German chemical manufacturer, in a product liability claim concerning the chemicals manufactured by the insured
    • Advising Lloyd's - Ark Syndicate Management Limited, a group of underwriters, regarding various claims from Israeli employees insured via an employee insurance policy maintained by Rafael, Israel's leading developer of arms-related technology
    • Representing Hyundai Heavy Industries Co. Ltd. and its subsidiary Hyundai Corporation, in a subrogation claim brought by Migdal Insurance Company Ltd. for the reimbursement of insurance benefits paid to the purchaser (Noga Paz Omega 1) of a product manufactured by Hyundai
    • Representing Maccabi Health Services in a multitude of claims in the following general areas: claims filed against Maccabi by its insureds regarding coverage for various medical procedures and medications; class actions filed against it in tort; proceedings between it and medical professionals accused of negligence
    • Representing Tryg, a Danish company and the second largest general insurer in the Nordic region, in connection with a series of international arbitration claims amounting to approximately US $80 million
    • Representing Isolcell S.p.A, an Italian manufacturer of devices that absorb gases used in refrigeration creating a controlled atmospheric environment, and its insurance company in connection with a claim filed against it arising from defective machinery
    • Representing Dagon-Beatty (the owner of the main grain and cargo silos in the ports of Haifa and Ashdod) in respect of various insurance claims arising from damage caused by the occasional unloading of toxic cargo unloaded at the port and/or stored in silos.  The firm also represented Dagon in proceedings commenced against Haifa Port Company Ltd. and Israel Phoenix Insurance Company Ltd.
    • The European Legal 500, 2015 states the insurance team of "S. Horowitz & Co is noted for high professional ability, quick responses and knowledge of the market" and that it "regularly acts for multinational insurers in product liability cases"

    • The European Legal 500, 2013 recognises that regarding work by this team "clients certainly get value for money"

    • The European Legal 500, 2010 says that the team is comprised of "accessible lawyers with high levels of expertise"