INSURANCE ECOSYSTEM

Insurance ecosystem

The Luxembourg insurance ecosystem has grown over the years into a unique cross-border insurance and reinsurance centre.

Our firm has a proven track record in assisting clients with domestic and cross-border M&A projects in the insurance and reinsurance sectors, as well as on regulatory compliance and contractual aspects of insurance and reinsurance including tax and litigation.

At the forefront of market developments, our lawyers support clients with their complex, precedent-setting insurance and reinsurance projects.

Why Choose Our Insurance Team

Comprehensive insurance & reinsurance advice — regulatory, transactional and dispute resolution expertise for cross-border projects.

End-to-end Insurance Capability

Regulatory, transactional and litigation support across insurance and reinsurance matters.

Regulatory & Licensing Strength

Deep experience with licensing, passporting, change-of-control processes and supervisory interactions.

Cross-border & Market Experience

Proven track record on domestic and cross-border M&A, regulatory compliance and precedent-setting mandates.

Trusted advisers in insurance & reinsurance

Our clients include the largest domestic and international insurance and reinsurance companies, as well as insurance intermediaries.

Our clients

Our clients include the largest domestic and international insurance and reinsurance companies, as well as insurance intermediaries.

Our services

Our insurance and reinsurance team advises clients on the full spectrum of areas in the field, including:

License applications

Exercise of European cross-border passporting rights

Acquisitions and disposals of qualifying holdings in the insurance and reinsurance sector (including change of control processes)

Mergers and acquisitions and reorganisation of insurance and reinsurance institutions (including through portfolio transfers)

Qualification of insurance, reinsurance and intermediation activities

Full spectrum of regulatory and compliance matters (including cross-border IDD, Solvency, AML)

Cross-border international private law aspects

Insurance litigation and mediation procedures

EMIR matters

Professional secrecy matters

Outsourcing projects

On- and off-site inspections from competent authorities (including on AML, IDD, solvency)

Regulatory sanctions procedures

Reviewing and drafting of contractual documentation (including general terms and conditions, brokerage agreements, reinsurance agreements)

Advising on compliance with sustainable finance regulation

Latest insights

Regulatory updates, publications and firm events relevant to insurance and reinsurance.

Simplifying sustainability reporting: voluntary sustainability reporting standard for SMEs (VSME) — Posted 31.07.2025

Event — 24.06.2025 @ Etude Breininger Offices

Publication — Posted 29.04.2025

We support clients on licensing, transactions, regulatory compliance and dispute resolution across the insurance lifecycle.

TESTIMONIALS

What Others Say

Recognition from leading directories and clients.

They have outstanding knowledge of banking law, are extremely responsive and have a strong commitment to customer service.

Client testimonial

Client

They consistently go above and beyond to understand our business and provide tailored legal solutions that align perfectly with our goals. Their proactive approach and deep industry knowledge make them an invaluable partner.

Client testimonial

Client

They don’t just provide legal advice; they become an integral part of our team, always ready to support us with strategic insights and practical solutions.

Client testimonial

Client

The team has a perfect knowledge of the Luxembourg specificities and consequently is able, in a pragmatic and efficient way to orient clients on a wide range of legal issues to ensure compliance with all applicable laws.

Legal 500 2025

Banking, Finance and Capital Markets

Etude Breininger's proactive approach and attention to detail have been invaluable in navigating challenging situations and ensuring successful outcomes.

Client testimonial

Client

Etude Breininger possesses a diverse range of expertise and experience, which allows it to tackle a wide array of issues effectively.

Client testimonial

Client

Etude Breininger is very diligent and delivers a good level of service. The team provides good security.

Client testimonial

Client

The lawyers are real subject matter experts. Their level of responsiveness is very high which is very important to us and they are also strong in the client relationship department.

Chambers Global 2025

Banking and Finance