Insurance Law

We represent insurance companies engaged in the life, disability, casualty, title, surety and fidelity lines of insurance, health service organizations, brokers, and service contract providers.

Among the services we provide in the insurance area are the representation of domestic and foreign insurers with the authorization process in Puerto Rico, assistance in the audits performed by the Commissioner of Insurance and/or the Puerto Rico Department of Treasury, counseling in regulatory matters, request for approval of contract and policy forms, reinsurance related matters and applications for the different licenses and permits under the Puerto Rico Insurance Code, and work on bills and regulations promulgated by the Office of the Commissioner of Insurance.

We also represented various companies in stock and asset acquisitions, including management buy-outs, in all the phases of the process, structure, negotiations, drafting, and the request for the approval by the Office of the Commissioner of Insurance.

From a litigation standpoint, extensive experience in insurance related litigation such as defense for claims against group life and health policies, and litigation of antitrust and regulatory issues. Our litigation experience includes local and federal court cases as well as administrative claim litigation before various state agencies, including the Puerto Rico Health Insurance Administration, the Office of the Patients’ Advocate, the Department of Health and the Commissioner of Insurance.

After the passage of Hurricane María through Puerto Rico in 2017, O’Neill & Borges has been representing clients in connection with first-party property insurance disputes.