Insurance Law in Jordan

Insurance in Jordan is regulated by the Central Bank of Jordan under the Insurance Business Regulation Law No. 12 of 2021. We advise insurers, reinsurers, brokers and corporate policyholders on coverage, claims, subrogation and regulatory compliance, from routine motor and property claims to large marine and construction losses.

Insurance is a specialised field where the difference between a paid claim and a contested one can turn on a single phrase in the policy wording. Abdullah & Partners has acted for Jordanian and international insurers, reinsurers, brokers and corporate policyholders for more than two decades, handling everything from routine motor and property claims to nine-figure marine and construction losses.

We advise on coverage at the placement stage, manage complex claims as they unfold, and litigate disputes when they cannot be resolved commercially. Our team coordinates closely with loss adjusters, surveyors and forensic experts to build claim or defence files that are technically watertight. We also run subrogation recoveries for insurers across Jordan and the wider MENA region, and we represent policyholders pushing back against unjustified denials or reservations of rights.

A large portion of significant Jordanian risk is ceded to international reinsurers. We act on reinsurance disputes involving London, Swiss and Gulf reinsurance markets, advise on treaty and facultative wordings, and coordinate with foreign counsel where parallel proceedings arise. We are comfortable bridging Jordanian policy law with the drafting conventions of international reinsurance.

Insurance disputes are won in the technical detail, the policy wording, the loss chronology, and the expert evidence, not in rhetoric.

Insurance in Jordan is supervised by the Central Bank of Jordan, which assumed oversight of the sector from 2016 and now regulates it under the Insurance Business Regulation Law No. 12 of 2021. The Central Bank licenses insurers, reinsurers and insurance service providers, sets solvency and financial-adequacy requirements, keeps life business separate from general business, and enforces corporate-governance and investment rules. For an insurer or broker, licensing, conduct and reporting duties sit alongside the contract questions in any claim. We advise on the regulatory side of placement and claims, on compliance with the Central Bank instructions, and on the position of insurers that form part of a wider financial group. Third-party motor liability cover remains compulsory, and we handle the recovery and defence work that flows from it. Source: Central Bank of Jordan, Insurance Sector Supervision.