Clairvoyant Legal
Insurance
Clairvoyant Legal delivers comprehensive strategic legal counsel across the insurance industry, offering advisory, transactional, and dispute resolution support to insurers, reinsurers, intermediaries, insurtech firms, and institutional investors that balances compliance with commercial viability.
We assist insurance entities in interpreting and complying with the complex and evolving legal and regulatory framework governed by the Insurance Regulatory and Development Authority of India (IRDAI), the Foreign Exchange Management Act (FEMA), company law, data protection laws, and consumer protection regulations. Services include assisting clients in obtaining and maintaining licenses and registrations, responding to regulatory examinations and audits, and ensuring ongoing compliance with IRDAI circulars, notifications, and reporting requirements.
Insurance Products & Policy Documentation
The team is routinely engaged in reviewing and advising on insurance product documentation, policy wording, endorsements, exclusions, and claim-related clauses to ensure enforceability and compliance with regulatory mandates. We provide solutions that not only meet IRDAI approval standards but also reduce future exposure to litigation and customer grievances.
Transactions, M&A & Strategic Investments
Clairvoyant Legal advises on insurance transactions, including joint ventures, investments, M&A, restructurings, and third-party arrangements. We support deal structuring, due diligence, shareholder documentation, regulatory approvals, and advise foreign investors on FDI, capitalisation, and foreign exchange compliance in India.
Insurtech & Digital Insurance Advisory
We advise insurtech companies, digital intermediaries, and app-based platforms on regulatory requirements for licensing, technology integration, policy issuance, and online distribution. The team also assists in navigating regulatory sandbox frameworks, API integrations, and automation in claims processing.
Litigation, Claims & Dispute Resolution
Clairvoyant Legal has also developed strong capabilities in litigation and dispute management involving insurance and reinsurance contracts, claim denials, policy interpretation, subrogation rights, indemnity issues, and agent-related disputes. We represent clients in proceedings before consumer courts, civil courts, High Courts, arbitral tribunals, and specialized forums.
Employment Law, Vendor Contracts & Corporate Governance
The firm regularly drafts and reviews employment agreements, POSH policies, non- compete arrangements, and confidentiality clauses for insurers and intermediaries. We also assist in negotiating vendor agreements, cloud service arrangements, and data- sharing contracts, ensuring legal protections are embedded at every level of operation.
Cross-Border Insurance & International Advisory
The firm supports clients looking to operate or expand in cross-border markets. We advise on Indian regulatory implications for multinational insurance programs, outbound reinsurance, international claims handling, and intercompany services arrangements. Our team coordinates with foreign legal counsel to ensure enforceability and compliance across jurisdictions.