Legal Support In High-Risk Insurance Matters

At Manal Dhahi Legal Consultants, our team ensures that your rights are protected, your claims are secured, and your liabilities are minimised.

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We understand that construction, engineering, and real estate are high-risk fields where accidents, delays, and damages carry significant legal and financial consequences. That’s why we provide robust legal solutions in Insurance Law, helping clients across Bahrain navigate policy claims, risk transfer, liability disputes, and insurance litigation with precision and power. Whether you're a developer, contractor, engineering firm, property owner, or injured worker, our team ensures that your rights are protected, your claims are secured, and your liabilities are minimized.

  • Reviewing and negotiating insurance policies for construction and engineering projects
  • Filing and defending compensation claims for accidents, site damages, and workplace injuries
  • Representing clients in disputes with insurers over denial, fraud, or delay
  • Ensuring full compliance with Bahraini insurance, labor, and real estate regulations
  • Litigating or arbitrating complex, high-value insurance disputes
    • Policy review and risk analysis
    • Negotiation of coverage terms with brokers and insurers
    •  Claim preparation and submission
    •   Defence against wrongful claim denial or delays
    •   Litigation, arbitration, and regulatory defence
    •   Third-party liability and compensation enforcement

  • Contractor’s All Risk (CAR) Claims: Reviewing policies for gaps, filing claims for site damage, and resolving disputes over insurer denial or dual liability.
  • Workplace Injury & Liability: Representing injured workers and employers in claims, ensuring compliance with Ministry of Labour rules, and defining employer vs. subcontractor liability.
  • Professional Liability (E&O) Defense: Defending professionals against claims of negligence or design failure, interpreting policy exclusions, and filing third-party negligence claims.
  • Property Damage Insurance: Claims submission and legal representation for material or site damage, policy interpretation, and litigation against denied or delayed coverage.
  • Insurance Fraud Investigations: Advising clients (insurers, employers, or contractors) in investigating inflated/staged claims and defending against wrongful fraud accusations.

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Insurance law in Bahrain requires more than policy knowledge it demands legal mastery, sector expertise, and fearless advocacy.

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Our legal approach 

1
Technical Collaboration

We partner with engineers and sector specialists to align legal terms with operational requirements and deliverables.

2
Risk Forecasting

Our contract strategies proactively identify and mitigate legal and financial risks before they arise.

3
Rapid Legal Response

From cease & desist letters to urgent court filings, we act quickly to defend our clients’ interests.

4
Transparent Client Experience

We maintain open, honest, and direct communication throughout every phase — from consultation to resolution.

Yes, it is generally mandatory in large construction projects and covers damage to site works, third-party liability, and equipment

Yes—if there’s negligence, lack of safety measures, or non-compliance with Bahrain’s Labor Law.

You can file a legal case to enforce the policy or pursue arbitration, depending on contract terms.

Claims must be filed promptly, often within 30 days. Delays can lead to rejection.

Yes. Clients may file claims under professional liability insurance if design flaws cause damage.

Only if explicitly included. Many policies exclude “acts of God” unless negotiated otherwise.

Yes, in some cases—especially if the worksite was under the employer’s control or lacked safety oversight.

EAR is specific to mechanical/electrical installations; CAR covers general civil work and structures.

Only under specific legal grounds such as non-payment, misuse of property, or violations of the tenancy agreement.

Delays beyond reasonable time can be grounds for legal action or Central Bank complaint.

Yes—fraudulent claims are criminal offenses under insurance law and may lead to imprisonment.

Yes through mediation, legal negotiation, or insurer dispute resolution procedures.

Only with consent or when legally necessary in dispute defense.

The court may award costs depending on case outcome. Most clients pay legal fees unless reimbursed via judgment.

Yes. We maintain strict ethical separation and conflict-of-interest protocols.

Landlords may issue warnings and take legal action through tenancy courts for violations such as misuse, illegal subletting, or property damage.

Medical reports, incident records, insurance policy, employer statements, and proof of loss or injury.

Yes. Workers may claim GOSI support and file legal claims under employer liability policies.

Yes. RERA regulations require developers to insure off-plan projects under escrow and liability laws.

A legal review of your company’s insurance policies, compliance, risk exposure, and gaps.