Your Legal Shield in High-Risk Insurance Matters

Why Insurance Law Matters in High-Risk Sectors

In Bahrain’s fast-paced construction and real estate economy, the stakes are high and the risks are real. From fatal site accidents and damaged building materials to professional negligence claims and project delays, every aspect of an engineering or development project is exposed to risk—and every risk must be covered.

That’s where insurance law becomes indispensable. Yet navigating the fine print of insurance policies, claim disputes, and regulatory obligations can be complex and time-sensitive.

This is especially true in high-risk sectors such as:

    • Construction and civil engineering

    • Oil & gas infrastructure

    • Marine and industrial operations

    • MEP (Mechanical, Electrical, and Plumbing) contracting

    • Logistics and transportation

    • Real estate development and off-plan sales

At Manal Dhahi Legal Consultants, we go beyond policy language—we represent your legal rights in claims, disputes, and regulatory enforcement. Our lawyers are deeply familiar with:

    • Bahrain’s Insurance Law No. 74 of 2006

    • The Central Bank of Bahrain (CBB) regulations

    • Labor Law No. 36 of 2012 (for compensation claims)

    • Construction and FIDIC contracts involving insurance obligations

We help clients prevent insurance pitfalls before they occur and resolve disputes with force and legal clarity when they do. Our work ensures that when the unexpected happens—your legal and financial protection is rock-solid.

1. Contractor’s All Risk (CAR) Insurance

CAR insurance is mandatory in most large-scale construction projects and covers accidental damage to the project site, machinery, and third parties. We help:

    • Review CAR policies for coverage gaps

    • File and follow up claims for site fire, material collapse, or equipment damage

    • Represent contractors or developers in disputes over insurer denial or undervaluation

    • Address dual liability issues between main contractors and subcontractors

2. Workplace Injury & Employer’s Liability Insurance

For sectors like construction, marine, and oil & gas, insurance coverage for worker injuries is vital—and often legally mandated. We represent:

    • Injured workers in claims against employers and insurance providers

    • Employers in defending against false or inflated claims

    • Companies in ensuring compliance with the Ministry of Labour and insurance rules

    • Legal filing for compensation in fatal or severe injury incidents

    • Defense against liability when injuries result from worker misconduct

    • Coordination with GOSI, LMRA, and labor courts

    • Legal opinion on employer vs subcontractor responsibility

3. Professional Liability (Errors & Omissions)

Architects, engineers, and project managers can face claims for errors in design, supervision, or documentation. These cases often involve large compensation demands. We:

    • Defend professionals accused of negligence or design failure

    • Interpret policy limits, exclusions, and conditions

    • File third-party claims when negligence from another party impacts the client

4. Property Damage Insurance

Construction materials, site offices, scaffolding, and temporary housing are frequently damaged by weather, fire, or theft. We provide:

    • Claims submission and legal representation for property damage

    • Policy interpretation and negotiation with loss adjusters

    • Lawsuit handling if insurers deny coverage or delay payment

5. Insurance Fraud Investigations

Both insurers and insured parties face risk of fraud. We advise and represent:

    • Employers and insurers in investigating inflated or staged claims

    • Contractors and workers wrongfully accused of fraud

    • Clients in submitting documentation and defending legitimacy

Our Achievements

At Manal Dhahi Legal Consultants, our success in insurance law is built on decades of combined legal experience, cross-sector expertise, and an unwavering commitment to defending our clients’ rights in the face of risk, loss, and regulatory complexity.

We have built a distinguished reputation in Bahrain as the go-to legal partner for high-value insurance disputes—especially those linked to construction, engineering, labor accidents, and real estate development. Our legal team is frequently sought after for their ability to navigate the most sensitive and technically complex cases where insurance coverage intersects with contractual obligations, workplace safety, and regulatory enforcement.

Over the years, we have:

• Secured multi-million Bahraini Dinar insurance settlements in cases involving construction site collapses, workplace fatalities.
• Successfully reversed wrongful claim denials by insurers through litigation setting new standards for policy enforcement in Bahrain.
• Advised developers and contractors on integrating watertight insurance clauses into EPC, FIDIC, and design-build contracts—reducing exposure and litigation risk.
• Protected employers from unjust liability in labor injury claims, while ensuring full compensation was secured where due.
• Acted as trusted legal representatives for companies undergoing insurance audits, Central Bank investigations, and Ministry of Labour inquiries related to worker protections and compliance.
• Delivered strategic counsel to leading engineering, construction, and development firms in Bahrain on how to structure their insurance portfolios in line with local laws and international best practices.
•  Supported clients in insurance fraud investigations, including defense against allegations and legal pursuit of fraudulent claims, maintaining ethical and commercial protection for all parties involved.
• Trained corporate legal teams, HR departments, and safety officers on insurance policy obligations, claims documentation, and dispute prevention strategies.

Each achievement reflects more than a legal victory—it reflects the trust our clients place in us when their business is on the line. Whether navigating an urgent claim, mitigating multi-party liability, or protecting a company’s name and future, Manal Dhahi Legal Consultants delivers results with legal strength, technical insight, and a reputation for excellence that few can match in the Kingdom of Bahrain.

When you choose us, you’re not just hiring a law firm—you’re engaging a strategic legal force that understands the nuances of your sector, the realities of your risk, and the power of legal clarity in securing your future.