BELGIUM Law and Practice Contributed by: Hugo Keulers, Sandra Lodewijckx, Tine Meurs and Thomas Verheyen, Lydian
Lydian is an independent, full-service Belgian busi- ness law firm with offices in Brussels, Antwerp and Hasselt, celebrating its 25th anniversary in 2026. Lydian is widely regarded as the leading insurance law firm in Belgium, a position it has held for close to a decade and one that reflects the scale of its team, the breadth of its expertise and its recognition among peers in the market. Its insurance and rein- surance team is the largest and most established in
the Belgian market, with 18 lawyers advising insurers, reinsurers, brokers and policyholders across the full spectrum of insurance work. The team regularly han- dles complex, high-value and cross-border matters, co-ordinating international proceedings on behalf of insurers and their insureds. In 2025, Lydian joined the Global Access Network, extending its international reach through a group of specialist insurance law firms worldwide.
Authors
Hugo Keulers is a partner in Lydian’s Commercial and Dispute Resolution practice, which he heads together with the firm’s insurance and reinsurance team. With 35 years at the Bar, his practice focuses on
Tine Meurs is of counsel in Lydian’s Commercial and Dispute Resolution practice and a member of the insurance team. She is a member of the Brussels bar and advises Belgian and international insurers and
complex insurance and reinsurance disputes, including all-risk property, construction, business interruption, D&O, professional indemnity and product liability matters. He is frequently instructed as lead or monitoring counsel in cross-border cases, co-ordinating foreign legal teams on behalf of international insurers, and regularly advises on drafting and reviewing insurance policies for the Belgian market. He also acts as an arbitrator and mediator and is a member of the Brussels Bar.
intermediaries on insurance law, with a focus on coinsurance, layering structures, the Insurance Distribution Directive, coverage disputes and policy reviews. Tine holds a PhD in Law from KU Leuven, where her research examined coinsurance. She combines practice with academic teaching and research at KU Leuven, where she is a substitute professor. Tine is an expert member of the Belgian Insurance Commission and vice-chair of the Belgian section of AIDA. She publishes and lectures on Belgian and EU insurance law. Thomas Verheyen is a senior associate at Lydian and a member of the insurance and reinsurance team. He advises Belgian and international insurers and intermediaries on insurance regulation, distribution and coverage. Thomas represents insurers and insured parties before Belgian courts in coverage and liability disputes. He holds a PhD in Law from Ghent University and an LL.M. from Yale Law School. Alongside his practice, Thomas is affiliated with Ghent University, where he was professor of insurance law for three years, lecturing on insurance and liability. He is a member of the Brussels Bar and has published on insurance law, product liability, exoneration clauses and risk management.
Sandra Lodewijckx is Lydian’s managing partner, having become the firm’s first female managing partner in January 2026, and a partner in the Commercial and Dispute Resolution practice, where she heads the
insurance and reinsurance team. Her practice covers insurance and liability law, distribution law, claims handling and regulatory and compliance matters, advising Belgian and international insurers, financial groups and intermediaries on strategically important projects. Before joining private practice she spent six years at an insurance company, giving her practice a practical, industry-informed perspective. She holds a degree from Munich Re in Technical Risks and lectures on insurance law at the University of Antwerp.
24 I NSURANCE L I T IGATI O N 2026
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