Leading Individuals

Insurance in Costa Rica


With a strong regional presence and offices in San José, Playa Herradura and Las Catalinas, the powerhouse insurance team at BLP remains a market leader, advising multinational insurers and reinsurers like AXA, Chubb and Willis Towers Watson on preparation bids, coverage analysis, the defence of liability policies and insurance fraud. On the contentious side, the practice handles liquidations, third-party claims and contractual disputes. Neftalí Garro leads the team, bringing over 25 years of experience and insurance regulatory expertise to the team; he acts as legal adviser to the Association of Private Insurers (AAP) of Costa Rica. Senior associate Juan José López provides clients with representation and support in litigation, in addition to assistance with authorisations, licences, and the drafting and review of insurance contracts. All the lawyers mentioned work in San José.

Responsables de la pratique:

Neftalí Garro

Les références

‘They provide timely advice and are willing to put their necks on the line. They are strong advocates for their clients.’

‘They have a strong work ethic and are reliable and trustworthy. They provide a full service.’

Principaux clients




Unity Willis Towers Watson

Münich Re


ASSA Compañía de Seguros




Principaux dossiers

  • Advising Uniseguros on all legal and regulatory aspects of an insurance brokerage licence granted to a business in the co-op sector, including its obtainment.
  • Acting as legal adviser to the Association of Private Insurers (AAP), which entails advising the association and its board of directors on day-to-day regulatory issues impacting the industry.


The multidisciplinary team at the San José office of regional firm Arias assists major insurers and multinational corporations across the automotive, tech and professional services sectors with a diverse spectrum of regulatory insurance matters. These include agreement drafting, high-value transactions, and interactions with the General Superintendency of Insurance (SUGESE). The team is headed by career diplomat and former consul for the Costa Rican Consulate General in New York Carlos Camacho, an experienced international investment authority, and project finance specialist Diego Gallegos. Senior counsel Rolando García brings expertise to complex contract negotiations.

Responsables de la pratique:

Carlos Camacho; Diego Gallegos

Sfera Legal

Utilising the bench strength of five offices across Costa Rica, the San José-based team of regional firm Sfera Legal advises local and international insurers, brokers and global corporations on a diverse spectrum of insurance matters. Headed by experienced founding partner Eric Scharf, the group’s full service extends to insurance financial products, product registration, policies, litigation, and regulatory compliance. José María Pacheco brings corporate structuring expertise to the team, and Andrea Martín Jiménez provides advice to key market players including Pan-American Life Insurance and Sinergia Brokers and manages interactions with the regulatory authority.

Responsables de la pratique:

Eric Scharf

Principaux clients

Pan-American Life Insurance

Sinergia Brokers

Grupo AGP

Principaux dossiers

  • Advised Pan-American Life Insurance on matters including social capital and the design of new products to achieve a 25% market share in the country.
  • Assisted Sinergia Brokers with various insurance law and regulatory matters.