Insurance Litigation 2026

OMAN

Iran

U.A.E. Muscat

Oman

Saudi Arabia

Law and Practice Contributed by: Abdulredha Al Lawati, Zainab Al Lawati, Daniyal Khalid and Aoun Al Zadjali ALC Lawyers & Counsel

Contents 1. Key Drivers and Resolution of Insurance Disputes P.200 1.1 Common Triggers of Insurance Disputes p.200 1.2 Role of Policy Wording and Drafting p.200 1.3 Dispute Resolution Strategy and Outcomes p.201 2. Jurisdiction and Choice of Law P.202 2.1 Choice of Law in Insurance Contracts p.202 2.2 Jurisdiction and Forum Selection p.203 2.3 Cross-Border Disputes and Conflicts Issues p.203 2.4 Anti-Suit Injunctions p.204 2.5 AI-Related Dispute Resolution and Jurisdiction p.204 3. Arbitration in Insurance Disputes P.204 3.1 Recognition of Arbitration Clauses p.204 3.2 Enforcement of Arbitral Awards p.204 3.3 Practical Use of Arbitration in Insurance Matters p.206 4. Coverage Disputes P.207 4.1 Evolving Trends in Coverage Disputes p.207 4.2 Policy Wordings and Interpretation Developments p.208 4.3 Cyber and Technology-Related Coverage Issues p.208 4.4 Aggregation and Limits of Liability p.208 4.5 Sanctions and Illegality Issues p.209 4.6 Late Payment and Claims Handling Practices p.209 4.7 ESG and Climate-Related Coverage p.210 4.8 Delegated Authority and Claims Responsibility p.210 4.9 Financial Lines Coverage Trends p.210 4.10 Casualty Coverage Trends p.210

5. Claims Against Insureds P.211 5.1 Key Exposure Areas for Insureds p.211 5.2 Shifting Risk Landscape p.211 5.3 Defence Costs and Litigation Complexity p.211 5.4 Cost Risk Management and Funding Solutions p.212 5.5 AI-Driven Claims Volumes and Complaints p.212 6. Third-Party Claims and Defence Trends P.212 6.1 Third-Party Claims and Direct Actions p.212 6.2 Emerging Liability and Defence Trends p.212 7. Geopolitical Factors P.212 7.1 Geopolitical Drivers of Insurance Disputes p.212 7.2 Sanctions and Payment Challenges p.213 7.3 War, Political Risk and Exclusions p.213 7.4 Supply Chain and Systemic Loss Events p.213 7.5 Forward Outlook and Market Response p.213 8. Emerging Risks P.213 8.1 Market Overview of Emerging Risks p.213 8.2 Impact of ESG on Underwriting and Insurance Litigation p.214 8.3 Data Protection Laws p.214 8.4 Data Centres p.214 8.5 Social Media Risk p.214 8.6 Next Generation Nuclear p.214 9. Legislative and Regulatory Key Trends P.214 9.1 Regulatory Focus Areas and Supervisory Trends p.214 9.2 Forthcoming Reforms and Market Impact p.215

198 I NSURANCE L I T IGATI O N 2026

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