Insurance & Reinsurance

GANADO has long been considered to be one of the leaders in the insurance legal sphere in Malta.

As one of the only law firms in Malta to have a team of dedicated insurance & reinsurance lawyers, we are well placed to provide the insurance industry with the necessary legal, corporate and regulatory advice and assistance. GANADO services most of the local industry, ranging from principals to captives to protected cell companies and many of the local insurance managers. The GANADO Insurance & Reinsurance Team assists clients with:

  • the setting-up and authorisation of insurers, re-insurers and intermediaries;
  • ongoing regulatory compliance;
  • advice on any transactional work;
  • drafting of policy documentation;
  • portfolio transfers; and
  • drafting of reinsurance treaties and other related documentation.

GANADO’s knowledge in the insurance market is evidenced through its drafting of local legislation relating to the captive sector as well as in relation to protected cell company and incorporated cell company legislation.

As with all practice areas of the firm, GANADO’s Insurance & Reinsurance Team works closely with lawyers from other practice areas to provide its insurance and reinsurance clients a holistic service including insurance litigation issues, finance and data protection.

Related Practice Areas

GANADO’s Investment Services & Funds Team has developed a stellar reputation in Malta for advising investment fund managers ranging from the major fund management names to boutique or start-up operations.

View Practice

GANADO has long recognised the pivotal role that EU and national competition and antitrust law plays in most domestic and cross-border commercial transactions. Our competition and anti-trust law practitioners advise clients and public authorities in all the industry areas serviced by the firm in relation to privatisations, public procurement processes, mergers, acquisitions, joint ventures and major transactions involving issues of dominance, intellectual property rights, State Aid and other competition related matters.

View Practice

GANADO has a leading and well-developed corporate practice. It regularly advises a broad portfolio of international corporate clients on commercial and corporate law matters and provides company administration support services.

View Practice

GANADO’s Corporate Finance Team has advised on a number of the major corporate transactions in Malta for the benefit of international corporate groups, and is recognised as a leader in this sector.

View Practice

The need for effective corporate governance practices and procedures is increasingly featuring on our clients’ agenda – and that of supervisory authorities. GANADO’s Corporate Governance Team was formed in order to address this demand in a focused yet cost-effective manner. We assist corporate clients from different business environments to develop a corporate governance system that meets local requirements. The members of our Corporate Governance Team have the training and experience to assist companies with identifying and satisfying their ongoing corporate responsibilities.

View Practice

Corporate insolvency, whether domestic or cross-border, raises numerous issues that need to be thoroughly and efficiently addressed in most transactions, particularly financial services ones. GANADO constantly assists creditors and insolvent companies or traders that experience financial difficulties, in preserving their rights efficiently in accordance with the relevant provisions of law.

View Practice

GANADO offers a broad spectrum of corporate and administrative services in conjunction with its corporate law advisory. It does so principally through its affiliated entities, Ganado Trustees & Fiduciaries Limited (licensed by the Malta Financial Services Authority as a fiduciary and trustee) and Ganado Services Limited. They range from registered office, process agent, resident agent and fiduciary shareholder services to company secretarial services and the maintenance of statutory records, such as Registers of Members, Minute Books and the filing of Annual Returns and other statutory forms.

View Practice

GANADO regularly advises both multinationals and locals regarding their Maltese data protection obligations ranging from the more mundane registration of processes with the local data protection regulatory authority and drafting of privacy policies for the firm’s client base to advising on complex transactions involving global data transfers and advising on the data protection aspects of large scale data theft, losses and cyber terrorism.

View Practice

GANADO has pioneered advice in this area since the involvement of the first Maltese counterparties in the market. Representing the industry’s global trade organisation for OTC derivatives, we regularly deliver industry as well as private opinions on master agreements, exchange trading, repos and securities lending arrangements.

View Practice

Our Employment & Pensions Team acts for many of the islands’ employers on an array of areas such as the drafting of contracts of employment, employment handbooks, employment policies, share option schemes, pension schemes and other related documents. GANADO also assists clients in relation to dismissals, termination of employment, redundancies (including collective redundancies), matters relative to employee information and consultation, the transfer of undertakings and employee protection, employment discrimination and harassment, industrial disputes and all types of litigation connected with such matters.

View Practice

GANADO’s Capital Markets team acts for both issuers and underwriters of equity and equity linked products in Malta. It also advises issuers of equities and related instruments issued, offered or traded abroad where this impacted upon by subsidiaries or assets held in Malta. Our local clients include the largest listed companies, leading stockbrokers and underwriting institutions in the country.

View Practice

Traditionally, financial markets work in Malta was a very local affair – advising issuers and corporate stockbrokers on share and less frequently debt securities listed on the Malta Stock Exchange. However, this decade has seen a step change in the activity levels, opportunities, complexity and international influences surrounding the trading of financial instruments in or from within Malta.

View Practice

Commercial and Contract Law is at the centre of every activity performed by GANADO’s lawyers. Apart from the various aspects dealt with in the specific practice areas, the firm assists traders, corporate entities and private individuals alike in the more generic and non-sector specific aspects of commercial and contract law.

View Practice

Working closely with our clients, GANADO has always valued the relevance of providing general corporate support to our insurance and reinsurance clients. GANADO has established a strong core team of corporate service providers specialised in company insurance law and regulation to flank our clients in their routine day-to-day needs. This core team provides company secretarial services, board meeting support, minute taking, statutory filing, regulatory filing and other related corporate governance matters. This core team works closely with the rest of the GANADO Insurance & Reinsurance Team on other legal and regulatory matters in order to ensure a seamless service is provided to our clients.

View Practice

The central focus of GANADO’s Insurance & Reinsurance Team is undoubtedly its regulatory practice. As specialist insurance regulatory lawyers, the team focuses on licence applications for insurance and reinsurance companies, insurance intermediaries and other related parties and provides on-going regulatory and compliance support. We seek to ensure that our clients are serviced in all regulatory respects in a very timely and appropriate manner having full knowledge of the importance of compliance at all times by our clients.

View Practice

GANADO has an extensive and well respected Court practice, concentrated mainly around commercial and maritime litigation.

View Practice

GANADO is regularly involved in a number of M&A transactions, both local and international. It advises on corporate restructurings and drafts up or reviews the documents needed. It has extensive experience in the conduct of legal due diligence and provides up-to-date advice and assistance on all aspects of law relevant to each particular M&A transaction.

View Practice

As one of the pioneers of the private pensions industry in Malta, GANADO has reaped the benefits of its foresight and occupies the enviable position of leader in this fast growing sector.

View Practice

GANADO provides advice on the regulatory aspects of anti-money laundering and counter terrorist financing legislation and regulations.

View Practice

GANADO assists its clients with all matters relating to commercial or private real estate deals, whether relating to the acquisition of property of all sizes, the leasing of offices or the structuring and setting up of a real estate property fund authorised by the Malta Financial Service Authority. Ancillary services include litigation relating to immovable property, and the payment and redemption of ground rents.

View Practice

GANADO is regularly involved in the redomiciliation or continuation of companies into and out of Malta and has developed a strong practice in this field. Over the past several years, we have collaborated closely with many lawyers and corporate service providers worldwide to ensure that the company continuation process allows companies to transition their operations effectively and uninterruptedly into their new jurisdiction of choice.

View Practice

GANADO Advocates was instrumental to the introduction of modern structured finance techniques to Malta, with a hand in drafting both the Securitisation Act and a great deal of supporting legislation. Bringing a wealth of knowledge and experience from overseas, GANADO lawyers advised on the establishment of the first two Maltese securitisation vehicles established here under the Act, issuing legal opinions to rating agency / Rule 10b 5 standard.

View Practice

GANADO provides Maltese tax advice to a variety of international corporate entities out of which a good number are listed on international stock exchanges. These include financial institutions, insurers, investment funds, fund managers, pension funds, private equity groups and shipping entities. We also advise private clients from across the globe on a range of tax matters.

View Practice

GANADO’s Corporate team registers marks on a regular basis in the national trademark register for a variety of business organisations, especially in the international pharmaceutical and food industries. We provide guidance on the documents and formalities required for the registration and assignment of trademarks as well as a long-term trademark renewal service.

View Practice