Insurance law,where regulation meetsthe fine print.
SIRI Law LLP advises insurers, brokers, corporate agents and insurtech platforms on IRDAI compliance, policy wording, claims disputes and the distribution agreements that move insurance products to market.
- Free first consultation
- IRDAI regulatory framework
- Fixed-fee packages available
- Hyderabad and online
- Insurtech aware
Insurance
Insurance disputes are almost always about wording, whether a policy covered what the claimant thought it covered, and whether the disclosure at the point of sale was adequate. We work on both sides of that problem, drafting policies that hold up and defending them when challenged.
Insurers
Regulatory compliance and policy documentation that withstands scrutiny.
Brokers and corporate agents
IRDAI compliance and agreements with insurers and policyholders.
Insurtech platforms
Regulatory advisory for technology-driven insurance distribution.
Banks and NBFCs offering bancassurance
Bancassurance agreements structured to satisfy regulatory requirements.
Roadmap
Where we help, across the policy lifecycle.
From product design to claims settlement and everything in between.
- 01Product stage
Design and license
Regulatory approval and clear wording start at product design.
- IRDAI product filing and approval support
- Policy wording drafted for clarity and enforceability
- Disclosure and suitability documentation
- Licensing for insurers and intermediaries
- 02Ongoing
Distribute compliantly
Distribution channels each carry their own regulatory requirements.
- Bancassurance and corporate agency agreements
- Broker and intermediary compliance
- Insurtech platform regulatory advisory
- Commission and payout structuring
- 03Ongoing
Manage claims
Claims disputes are where policy wording gets tested.
- Claims dispute defence and settlement negotiation
- Insurance ombudsman representation
- Repudiation and rejection documentation review
- Litigation for high-value or complex claims
- 04Where relevant
Structure reinsurance
Reinsurance arrangements carry their own contractual complexity.
- Reinsurance treaty review and negotiation
- Facultative reinsurance documentation
- Cross-border reinsurance considerations
What we do
Insurance legal, policy to claim.
Regulatory, contractual and dispute work for the insurance ecosystem.
IRDAI regulatory compliance
Licensing, product filing and ongoing regulatory compliance advisory.
- IRDAI
- Licensing
- Compliance
Policy wording review
Drafting and reviewing policy language for clarity and enforceability.
- Policy wording
- Drafting
- Disclosure
Claims dispute defence
Representing insurers in claims disputes and ombudsman proceedings.
- Claims
- Disputes
- Ombudsman
Bancassurance agreements
Structuring distribution agreements between insurers and banking partners.
- Bancassurance
- Distribution
- Agreements
Insurtech regulatory advisory
Compliance guidance for digital insurance distribution and underwriting platforms.
- Insurtech
- Digital distribution
- Regulatory
Broker and agent compliance
Licensing and ongoing compliance support for intermediaries.
- Brokers
- Agents
- Compliance
Reinsurance documentation
Treaty and facultative reinsurance agreement review and negotiation.
- Reinsurance
- Treaties
- Negotiation
Where we come in
Five mistakes we often see.
Each one shows up at claim time, when it is hardest to fix.
Policy wording that is ambiguous under pressure
Language that seems clear at drafting often reveals gaps only when tested against a real, contested claim.
Disclosure documentation that does not match the sale
If the point-of-sale disclosure does not match what was actually explained to the policyholder, repudiation becomes much harder to defend.
Bancassurance agreements silent on liability allocation
When a mis-selling complaint arises, unclear liability terms between the bank and insurer create disputes between the partners themselves.
Insurtech platforms treating regulation as an afterthought
Digital distribution and algorithmic underwriting both attract specific IRDAI scrutiny that needs to be addressed at the design stage.
Underestimating ombudsman proceedings
Ombudsman decisions can set a pattern for how similar claims are handled. Treating each complaint in isolation misses this risk.
Ready to start?
Facing a claims dispute or launching a new insurance product? Call for a free first consultation.
Tell us what you are working on and we will flag what needs attention. Calls are answered by an advocate.
Why insurance companies choose us
We read policy wording the way a claimant's lawyer will.
Retain us for a single matter or for the long run. Either way you deal with the same accountable team.
Both drafting and defence experience
We know what wording holds up because we have defended it in disputes.
IRDAI-current advisory
Compliance guidance that reflects the current regulatory framework.
Insurtech fluency
Advisory that understands digital distribution models, not just traditional insurance structures.
Google reviews
See what our clients say on Google.
We would rather you read independent reviews than take our word for it. Every review is on our Google Business Profile.
Questions
Common questions.
General information only, not legal advice. Every situation differs, so speak to us about yours.
Can you review our policy wording before filing with IRDAI?
Yes, we review wording for clarity, consistency and enforceability alongside supporting the regulatory filing process.
Catching ambiguity before filing is far cheaper than defending it at claims stage.
Do you represent insurers before the insurance ombudsman?
Yes, including preparing the response and representing the insurer through the ombudsman process.
We also advise on settlement strategy where that is the better outcome.
What should a bancassurance agreement address?
Distribution scope, commission structure, liability allocation for mis-selling complaints, and compliance responsibilities between the bank and insurer.
We negotiate these terms to protect both parties clearly.
What regulatory considerations apply to insurtech platforms?
Depending on the model, this can include product distribution rules, underwriting transparency, and data protection for the customer information involved.
We advise at the design stage to avoid rework later.
Do you handle claims litigation?
Yes, for high-value or complex claims that proceed beyond ombudsman or settlement discussions to litigation.
We represent insurers in these proceedings.
How much does this cost?
Fixed-fee packages are available for policy wording review and compliance advisory. Claims disputes and litigation are scoped separately.
Fees are agreed in writing before work starts.
Related
Often needed alongside.
Insurance legal work often involves these services too.
Banking & Finance
Financial services regulatory advisory.
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Class Action Litigation
Consumer and mass claim defence.
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Commercial contract breach and enforcement.
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Free first consultation
Tell us about your insurance matter.
High level is fine. We check conflicts, tell you honestly whether we can help, and what it would cost. You decide, with no pressure.
- Call+91 79819 12046
- WhatsAppMessage us on WhatsApp
- Emailinfo@sirilawllp.com
- HoursMon–Sat, 9:30 AM–7:00 PM IST. Incident line 24/7.
- Existing client?Message your named lead directly, or use the incident line for anything urgent.
Thank you. We have your enquiry.
A member of our team will be in touch within one working day. For anything urgent, call +91 79819 12046.
Visit us
Find our offices.
HITEC City, Madhapur, Hyderabad, Telangana 500081
Mon to Sat, 9:30 AM to 7:00 PM IST · Meetings by appointment · Online consultations worldwide