Deborah is a Senior Associate at Signature’s Paris office, specialising in national and international insurance disputes.
With seven years of experience in insurance law, Deborah possesses strong expertise in analysing both French and international insurance policies, handling subrogation disputes for property damage insurers, and managing cases involving civil liability and directors’ and officers’ liability (D&O and E&O), including fraud. She has managed large-scale claims, including those arising from the Covid-19 crisis, and represents clients in high-stakes litigation spanning industrial risks, product liability and financial lines.
Deborah’s clients benefit from her in-depth knowledge of insurance law, combined with her experience handling disputes across diverse sectors, including heavy industries, services, luxury, energy, construction and life sciences. Her client base includes insurers, manufacturers, hotels and luxury brands based both in France and internationally.
Deborah is ranked as a ‘Leading Associate’ for Insurance in The Legal 500 EMEA 2026 Guide. She is referred to in the Guide as “sought after for claims-management advice and support in complex insurance litigation.”
Prior to joining Signature in 2019, Deborah trained at an international insurance company and at the Paris office of a major international law firm.
Deborah was called to the Paris Bar in 2018.
Deborah is a native French speaker. She is also fluent in English and Spanish.
In addition to her practice, Deborah is an active member of several insurance organizations, including AMRAE, FDA, AIDA, and AJAR.
Toxic Tort
Toxic Tort / Asbestos Damage
- Representing leading manufacturers and large industrial groups in relation to more than 600 separate claims in different courts in France filed by former employees claiming to have developed asbestos-related diseases.
Toxic Tort / Asbestos Anxiety
- Representing leading manufacturers and large industrial groups in relation to more than 10,000 separate claims in more than 10 different courts in France filed by individuals on the grounds of their anxiety to develop an asbestos-related disease in the future (“fear of cancer” cases).
Insurance
Reinsurance
- Advising a global reinsurer in relation to a EUR 1bn aggregate claim made by a multinational insurance company in respect of all payments made by them through various subsidiaries in Europe relating to the COVID-19 pandemic.
Product Liability Insurance
- Representing a global insurance company in relation to a liability claim valued at c. EUR 250m and brought by the car manufacturer concerning the alleged defect in a component forming part of a diesel emission reduction system in a car. The manufacturing chain involves complex cross-border sub-contracting arrangements.
- Representing a leading French building materials distributor in relation to a series of claims involving defects in the resistance of awning blinds manufactured by a Franco-Portuguese company resulting in a product recall.
General Liability Insurance
- Representing a worldwide manufacturer of climbing harnesses in a USD 75m personal injury claim brought by a victim. Parallel action in relation to the client’s claim under a complex insurance policy.
- Representing a global insurance company in relation to a multiple liability claim valued at GBP 40m against the engineering sub-contractor, the insured, in relation to the construction of a new engineering plant in Gibraltar.
General Liability and Business Interruption Insurance
- Representing a global luxury brand in a EUR 30m claim in relation to business interruption and other types of losses caused by looting and destruction of the client’s shops during the riots in multiple States in the US following George Floyd’s death. The case involved a precedent-setting issue of interpreting the events as a single “cause” or multiple “causes” which is relevant to the liability cap.
- Representing various companies in their claims concerning operating losses resulting from the Covid-19 pandemic, including claims for business interruption losses
- Representing a naval architect and its insurer in a dispute over a design flaw in a fishing vessel.
Fraud Insurance
- Representing a leading financial institution in a EUR 15m claim against its insurer relating to a fraud committed by the client’s customer, an Asia-based commodity trader, in obtaining pre-shipment financing.
Environmental Liability Insurance
- Representing a global leading design manufacturer of underground pipelines and its insurer in a CAD 450m (c.EUR 280m) dispute with an Asian company concerning major soil pollution in North America and involving allegations of product defects and gross negligence.
- Advising a worldwide leading carpet manufacturer in relation to a coverage claim, denied by its environmental liability insurer, of USD 10m involving costs for the clean-up of a river in the State of New Jersey, USA.
D&O Liability Insurance
- Advising boards, executive committees and individual company officers on the D&O coverage alongside civil and criminal proceedings. The issues included the scope and boundaries of insurability.
- Advising a French‑headquartered group and their boards on complex D&O coverage issues following an Australian acquisition up to USD 55m. Assessing D&O coverage under consecutive polices for a prospective claim against former and current directors and company officers arising from accounting irregularities identified post‑
Property Damage Cases
- Advising a French company specialising in the production, transformation, and distribution of materials following a fire at one of its leased buildings.
- Emmanuèle Lutfalla and Déborah Azerraf discuss the need for insurance policies to adapt to emerging risks in La Tribune de l’assurance
- La Tribune de l’assurance – 2 November 2022
- Operating losses: the big blur – Emmanuèle Lutfalla and Deborah Azerraf
- La Tribune de l’assurance – 8 December 2020
- Business interruption losses: what lessons can be learned from the health crisis? – Emmanuèle Lutfalla, Deborah Azerraf, Prof. Pierre-Grégoire Marly and Christophe Pardessus
- L’Argus de l’assurance – 9 July 2020
- Anxiety: a prejudice that is no longer limited to asbestos litigation – Sylvie Gallage-Alwis and Deborah Azerraf
- The Barrister – 19 August 2020
- Insurance cancellation to the test of Covid-19 – Emmanuèle Lutfalla, Deborah Azerraf, Alice Decramer, Yara Boustani
- La Tribune de l’assurance – 9 June 2020
- How should insurers address cyber risks – a french perspective – Emmanuèle Lutfalla, Deborah Azerraf, Alice Decramer, Simon Fitzpatrick
- Actuarial Post – May 2020
- Covid-19 pandemic: an opportunity to rethink cyber insurance? – Emmanuèle Lutfalla, Deborah Azerraf, Alice Decramer, Eva Biezunski
- La Tribune de l’assurance – 7 July 2020
- Carriers need a better understanding of the insurability of cyber risk – Emmanuèle Lutfalla, Deborah Azerraf, Alice Decramer
- Insurance Day – 5 December 2019
- Be Careful When Terminating Contractual Relations In France – Sylvie Gallage-Alwis and Déborah Azerraf
- Lawyer Monthly – 13 August 2019