Ena Kurbegovic

Full Profile

Ena Kurbegovic is a Senior Associate in Clyde & Co’s Munich office and advises insurers, intermediaries, and corporate clients across complex insurance, corporate, commercial, and regulatory matters including litigation and dispute resolution.

Ena has significant experience in corporate and commercial law within the insurance sector and has advised on numerous M&A transactions and W&I underwritings.

In addition, Ena has broad experience in liability and coverage matters and regularly advises on international and domestic insurance claims, with a focus on financial lines (W&I and D&O) and cross border disputes, drawing on her corporate, transactional and underwriting experience.

She has also acted as mentor to early-stage InsurTech start-ups at InsurTech Hub Munich on regulatory frameworks, including the AI Act, DORA, and MiCAR.

Prior to joining Clyde & Co, Ena was an Associate in the Munich office of another global law firm. She studied law at the Ludwig-Maximilians-University in Munich and is admitted to practice law in Germany.
 

Experience

• Advising multiple UK and EU insurance intermediaries on entering the German/EU market, including establishment and licensing of subsidiaries and branches, as well as ongoing legal advice.
• Advising on cross-border distribution structures.
• Advising on digital insurance distribution, including development of online customer journeys and web-based distributions models.
• Drafting and negotiating key insurance broking and distribution agreements (e.g., TOBA)
• Advising on corporate law matters, such as liquidations, mergers, restructuring, intra-group financing arrangements.
• Advising Wüstenrot Bausparkasse on the acquisition of start:bausparkasse.
• Advised Ecclesia Group on the acquisition of Assona GmbH (formerly part of wefox).
• Drafting and advising on insurance policy wordings, including cyber and contingent risk polices.
• Advising various insurers on W&I underwriting.
• Acting as monitoring and coverage counsel in complex financial lines matters with a focus on domestic and international W&I and D&O claims.
• Advising a German insurer in litigation involving a fidelity insurance claim, including strategic defense coordination and detailed policy analysis.
• Representing an insurance broker in contentious proceedings regarding commission claims.
• Advising a Slovak life insurer in multiple proceedings before the Court of Justice of the EU, including issues of Solvency II applicability and supervisory cooperation obligations.