


Emmanuèle is a Founding Partner of Signature’s Paris office, where she heads the Insurance and Reinsurance practice.
With over 30 years’ experience in insurance and reinsurance, Emmanuèle represents clients across the sector, both in France and internationally, including in the US, MENA, South America, and Asia.
She has a particular focus on disputes involving complex insurance and reinsurance programs, advising clients on policy and treaty wording and coverage issues.
Emmanuèle is renowned for her understanding of the global insurance and reinsurance markets and her ability to address complex, multi-stakeholder technical issues, often involving cross-border litigation.
She has significant experience in landmark disputes involving property damage, civil and professional liability, and financial lines, including cybersecurity, D&O and E&O cases, and fraud.
Her expertise lies primarily in the product liability, energy (particularly nuclear), commodities, and infrastructure sectors. Her clients range from heavy industry to luxury hospitality groups.
While Emmanuèle’s practice focuses exclusively on insurance and reinsurance, she began her career in construction litigation. She continues to advise national and international construction companies on post-contract operational legal risk management, claims, and disputes.
She served as International Vice President on the Board of Directors of the International Association of Defense Counsel (IADC) from n, she had served as Chair of the IADC’s International Committee and its Continuing Education (CLE) Committee.
Emmanuèle is a member of AMRAE, AIDA, FDA, APREF, AJAR, IRLA, ARIAS France and ARIAS US.
Emmanuèle is ranked for Insurance – France in the Chambers Global 2025 Guide. Chambers has described her as a “truly an excellent lawyer” with one commentator praising ” her responsiveness and her very strong professional skills.” Another adding:” She is friendly, responsive and an expert in the field.” She is also recognised in the newly published Chambers France 2025 both as a firm but in an individual ranking where clients consider that she ” inspires confidence and has been able to build a team of brilliant collaborators..” Moreover, clients praise her “strong sense of strategy and is very proactive” adding that Emmanuèle is able to provide ” answers to our questions within tight deadlines.” Commentators conclude that she “is a seasoned professional, always available and able to find solutions with a constant smile” and that she is “an excellent lawyer – she’s highly responsive and has excellent business sense.”
She is also recognised as a ‘Recommended Lawyer’ in Tier 2 for her Insurance expertise in The Legal 500 EME6 2025 Guide as an “expert in insurance and reinsurance litigation and claims management.” Emmanuèle and her team “anticipate clients’ needs and expectations and manage to create a climate of trust that is useful in resolving the most sensitive situations.” Emmanuèle also features in Lexology Index as a Thought Leader in both the France – Insurance & Reinsurance’ category and the France – Product Liability Defence’ category, which showcases the French leading practitioners.
Prior to joining Signature Litigation, Emmanuèle was a partner at a French boutique law firm specialising in insurance. Before that, she was a member of the insurance and reinsurance practices at two magic circle law firms in Paris.
Emmanuèle was admitted to the Paris Bar in 1992.
She speaks French and is fluent in English.
General Liability Insurance
General Liability & Business Interruption Insurance
Property & Business Interruption Insurance
Environmental Liability Insurance
Specialist machinery breakdown Insurance
Third Party Liability Insurance
Product Liability Insurance
Professional Indemnity Liability Insurance
Terrorism & Political Risks Insurance
Reinsurance
Fraud Insurance
D&O Liability Insurance
2026
Article: Artificial intelligence and insurance: the liability question no one has answered – The AI Journal – 30 October 2026
Article: France Chapters of Law and Practice and Trends and Developments – Chambers Insurance Litigation 2026 Guide – October 2026
Article: Why AI losses have no natural disaster – Actuarial Post – 5 October 2026
Article: Could a major AI incident trigger the next insurance market crisis? – Global Relay Intelligence & Practice – 22 September 2026
Article: AI: The Next Insurance Blind Spot – Cyber Security Intelligence – 18 September 2026
Article: Risque environnemental : ce que le marché peut assurer – L’Argus de l’assurance – 9 September 2026
Article: Responsabilité civile et assurance à l’épreuve des nouvelles technologies – 23 June 2026
Article: Quelle responsabilité civile pour les exosquelettes ? – La Tribune de l’assurance – 7 April 2026
Article: Les droits de la responsabilité civile et de l’assurance confrontés à l’émergence de nouvelles technologies –Revue Générale du Droit des Assurances – 6 March 2026
2025
Article: The Cyber Insurance Shortfall: Why all Businesses Should Have Cyber Attack Cover – Insurance Edge – 20 November 2025
Article: Rethinking insurance in an era of systemic digital risk – Cyber Security Intelligence – 29 October 2025
Article: Is W&I insurance a passing trend or a growing phenomenon in France? – Insurance Day – 11 June 2025
Article: Garantie de passif, effet de mode ou tendance durable ? – La Tribune de l’Assurance – 28 January 2025
2024
Article: Cut-through clauses: a two-speed, double-edged tool – Insurance Post – 17 July 2024
Article: Does The French Market Use Cut-Through Clauses? – Insurance Edge – 9 April 2024
Article: Le risque d’émeutes et de mouvements populaires est-il mieux pris en charge par l’État ? – L’argus de l’assurance – 24 January 2024
2023
Article: De la globalisation des sinistres en assurance de responsabilité – L’Argus de l’assurance – 1 November 2023
Article: LOPMI : une perspective prometteuse pour le marché de l’assurance cyber – La Lettre des Juristes d’Affaires – 26 June 2023
Article: LOPMI : une perspective prometteuse pour le marché de l’assurance cyber – Revue Générale du Droit des Assurances – 20 June 2023
Article: LOPMI : une perspective prometteuse pour le marché de l’assurance cyber – L’assurance en mouvement – 24 April 2023
2022
Article: La nécessaire mutation des polices d’assurance face aux nouveaux risques – La Tribune de l’assurance – 2 November 2022
Article: Les risques émergents : nouveaux défis pour l’assurance ? – L’assurance en mouvement – 11 July 2022
Article: L’assurance face aux risques émergents : un besoin de renouveau ! – Le Monde du Droit – 21 June 2022
Article: The Changing Insurability of Environmental Risks – Law.com – 18 March 2022
Article: Insurtech Lawyer Emmanuele Lutfalla on the Big Data Debate – InsurTech – 17 March 2022
Article: L’assurabilité des risques climatiques – L’AGEFI – 10 March 2022
Article: L’action de groupe débarque en santé – La Tribune de L’assurance – 1 February 2022
2021
Article: An Update on the Nuclear Liability Regime – Revue Lamy Droit Civil – October 2021
Article: Loyers commerciaux et Covid-19 : quand la bonne foi l’emporte sur la force majeure – La Tribune de l’assurance – 11 May 2021
Article: Class actions et assurances : encore un choc de l’année 2020 ou une réforme inaboutie ? – La Gazette du Palais – 19 January 2021
2020
Article: Perte d’exploitation : le grand flou – La Tribune de l’assurance – 8 December 2020
Article: Nouvelle directive sur les « class actions » : une réforme inachevée ? – La Tribune de l’assurance – 15 September 2020
Article: Pertes d’exploitation : quelles leçons tirer de la crise sanitaire ? – L’Argus de l’assurance – 9 July 2020
Article: Covid-19 : une opportunité pour refonder l’assurance cyber – La Tribune de l’assurance – 7 July 2020
Article: A la croisée des chemins – La Tribune de l’assurance – 30 June 2020
Article: L’assurance cyber devra tirer des leçons du Covid-19 – L’Agefi – 11 June 2020
Article: L’assurance annulation à l’épreuve du Covid-19 – La Tribune de l’assurance – 9 June 2020
Article: Collective Redress Directive to change European liability landscape – Commercial Risk Online – May 2020
Article: How should insurers address cyber risks, a French perspective – Actuarial Post – May 2020
Article: La pandémie du Covid-19 : une opportunité de repenser l’assurance cyber ? – Le Monde du Droit – 15 May 2020
Article: GEMP : une réponse ambiguë à un risque chronique – La Tribune de l’assurance – 5 May 2020
Article: How Proposed EU Class Action Directive Could Affect Insurers – Liability, Risk and Insurance – 15 April 2020
Article: GDPR and cyber risk insurance: how can insurers improve their cyber risk products – Actuarial Post – 14 April 2020
Article: Les apports de la nouvelle directive sur les actions transfrontalières seraient-ils une menace pour les assureurs? – La Lettre des Juristes d’Affaires – 13 April 2020
Article: Le projet de la nouvelle directive sur les « class actions », une menace pour les assureurs ? – L’Agefi – 2 April 2020
Article: GDPR and cyber risk insurance: how can insurers improve their cyber risk products – Private Security Report – 27 March 2020
Article: Coronavirus : comment assurer et indemniser la perte d’exploitation des entreprises ? – Le Parisien – 26 March 2020
Article: Article in relation to GDPR and cyber-risk insurance – IT Pro Portal – 26 March 2020
Article: How Proposed EU Class Action Directive Could Affect Insurers – Law360 – 25 March 2020
Article: Strikes and popular movements: An unclear yet chronic risk for insurers – La Lettre des Juristes d’Affaires – 31 January 2020
2019
Article: Grèves, émeutes et mouvements populaires : une réponse ambiguë à un risque chronique – Face au Risque – 18 December 2019
Article: Carriers need a better understanding of the insurability of cyber risk – Insurance Day – 5 December 2019