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Al Adalla
Read MoreA complete spectrum of legal services across jurisdictions in the Middle East & North Africa.
Biography
Melody is an Associate in Al Tamimi & Company’s Insurance practice based in Dubai, with over 10 years’ experience advising insurers, reinsurers, brokers and corporate policyholders on complex insurance disputes and regulatory matters across the Middle East and Australasia.
Her practice spans both contentious and non-contentious insurance work, with particular expertise in coverage disputes and claims resolution across a broad range of insurance products, including professional indemnity, directors’ and officers’ liability, medical malpractice, general liability and property insurance. She also advises on market entry, licensing and regulatory compliance for insurance market participants operating across the GCC.
Melody had previously worked in-house for an international insurer before joining private practice. This commercial background enables her to provide practical, business-focused advice to clients navigating complex claims and evolving regulatory frameworks. Her combination of international experience and regional knowledge makes her a key member of the firm’s growing insurance practice in the region.
Recent Experience
- Advised on complex insurance coverage issues, including policy interpretation, liability assessment, indemnity, subrogation, and recovery strategies across commercial and marine-related claims.
- Advises GCC clients on insurance program adequacy, including property all-risk, sabotage and terrorism, and war risk policies amid heightened regional geopolitical and maritime threats.
- Advised a large retail group in business interruption insurance claims arising from COVID-19 in the Middle East region.
- Provided strategy and coverage advice to a large KSA-based insurer in relation to property damage and business interruption claims following a fire incident at one of the largest shopping malls in KSA.
- Advised several UAE luxury car dealerships for indemnity disputes under the comprehensive general liability and all risk property policies, following a significant adverse weather event in Dubai.
- Provided advice to a prominent regional insurer in a contractual dispute with a reinsurance broker over inflated commission for placement of political violence risk reinsurance policies.
- Advised on trade receivables insurance, validity and enforceability of trade credit policies, wording review and drafting.
- Advised the UAE regulators on resolution powers, in line with the Financial Stability Board’s Key Attributes and other international standards.
- Conducted legal due diligences for target companies, provided transactional support, and actively participated in drafting and negotiating the SPAs.
- Carried out policy standardisation exercises as per the regulatory requirements for various insurers, across multiple GCC jurisdictions.
- Advised many overseas entities on licensing, market entry and regulatory compliance with cross border transactions in various GCC jurisdictions.
Language(s)
- English
- Chinese
Education
- 2012 – LLB Bachelors of Laws, University of Auckland, NZ
- 2012 – BCom Bachelors of Commerce, University of Auckland, NZ
- 2013 – BCom Bachelors of Commerce (Honours) (Finance), University of Auckland , NZ
Admission
- 2014 – Barrister & Solicitor, New Zealand
- 2017 – Solicitor, New South Wales, Australia
Practice(s)
Sector(s)
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