Insurance and liability
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Insurance and liability

Bull assists insurance companies, brokers, and businesses in complex insurance matters—from policy drafting to litigation. The team includes some of the country’s leading lawyers in insurance and compensation law.

Professional expertise in insurance law

Insurance law concerns the interpretation and application of insurance contracts—determining the scope of coverage and the reach of the terms, allocating liability and recourse, and ensuring correct settlement and dispute resolution between the insurer and the business.

We work daily with complex liability and insurance matters across industries. Our lawyers analyze policy terms, safety regulations, and notification rules, assess causation/bases of liability, and litigate major disputes. Our experience includes, among other things, professional liability, directors’ and officers’ liability, product liability, transport and marine insurance, cyber insurance, and construction insurance. The team has solid litigation experience before all courts, including arbitration, and a broad understanding of industry practices.

Our services include, among other things:

Great rankings and satisfied clients

The ranking agency The Legal 500 has for several years ranked our team in Tier 2. Read more about what our clients say about us here.

  • The group also includes the professional liability specialist Klemet Gaski and Nils Henrik Varmann Jørgensen, who provides excellent assistance to domestic insurers.
  • Extremely dedicated and competent lawyers. Good collaboration skills and very strong professional competence.
  • An expert within insurance law in Norway. Bull handles large claims for domestic and international insurers. They are also one of few firms which specialise in reinsurance.
  • Practice head Runar Hansen is a very experienced and solution-oriented practitioner, who specialises in insurance law and liability legislation, as well as frequently acting for international insurers.
  • The group also includes the professional liability specialist Klemet Gaski and Nils Henrik Varmann Jørgensen, who provides excellent assistance to domestic insurers.

Useful insight

  • With an experienced lawyer in insurance claims/settlements, the company gains swift clarification of coverage scope and liability, correct interpretation of terms and exclusions, control over notification and complaint deadlines, as well as structured evidence collection (experts, cause/extent in property damage).

    This strengthens the negotiating position vis-à-vis the insurer, enables targeted use of settlement, mediation, the Norwegian Financial Complaints Board, arbitration or courts—and reduces operational disruption and costs.

    Without a lawyer, the risk increases of losing coverage due to missed deadlines, inadequate documentation, unfavorable policy interpretation (e.g., safety regulations/claims-made vs. occurrence), and longer, more expensive disputes with weaker outcomes.

  • In coverage disputes in insurance matters, we recommend promptly securing evidence (especially in cases of property damage), reviewing the policy terms and any special conditions against the facts, checking notification and complaint deadlines, and clarifying the need for experts. We then seek resolution through targeted negotiations—and litigate the case when it is the right business decision.

  • In transport (cargo insurance and liability insurance), allocation of liability and complaints are largely governed by international conventions as well as agreed contractual terms such as NSAB 2015 and various industry standards. Document the damage early (photos, consignment notes, damage assessments), notify the correct parties, and check the content of the agreed transport terms. Our lawyers have thorough knowledge of the logistics industry’s standard contracts and practice.

  • Product liability concerns liability for personal injury and property damage caused by a defective product and is typically handled under product liability insurance. A recall usually concerns the pure costs of withdrawing products from the market and is often governed by separate clauses with different limits/conditions than product liability. The EU is simultaneously developing the regulatory framework (including for digital/AI-driven products), which affects the risk landscape and the need for appropriate coverage.

Expertise

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