Ms Jia Wan

Jia Wan

Lawyer biography

Practice Areas
  • Insurance
  • Dispute Resolution
Bar Admissions
  • Qualified in P.R.C.
  • Admitted in the State of New York, US
  • Admitted in the US District Court, Southern District of New York
Position: Associate of AnJie Law Firm
  • Master of Laws (LL.M.)             
  • Bachelor of Laws (LL.B.)
  • Bachelor of Engineering (B.E.)

Languages: English & Chinese

  • College of William and Mary, School of Law, LL.M.
  • Zhongnan University of Economics and Law, LL.B.
  • Huahzong University of Science and Technology, B.E.
Working Experience
  • Associate, AnJie Law Firm
Wan Jia specializes in Insurance and Dispute Resolution areas with a wide range of services.
  • Advising insurers on corporate insurance compliance matters;
  • Advising insurers on coverage and policy issues including those relating to property all risks, business interruption and D&O insurance policies;
  • Acting for insurers in relation to claims against their insureds;
  • Advising and representing major companies in commercial disputes before CIETAC, SIAC, HKIAC.



Applicants must disclose facts when prompted by insurers to avoid rescission
China | 13 April 2021

When concluding insurance contracts, applicants have a duty of disclosure. However, applicants need not disclose information unless the insurer enquires. Insurers' remedy for breach of this duty varies. They can either rescind the contract and keep the premium or rescind the contract but return the premium. However, insurers have no right to rescind the contract if they underwrote it fully aware that the applicant had not provided honest answers.

WFOE shopping: how do Beijing, Shanghai and Shenzhen compare for establishing an insurance WFOE in China?
China | 15 September 2020

Foreign insurers cannot directly sell insurance products in China unless they have successfully established a joint venture or wholly foreign-owned enterprise (WFOE) insurer in mainland China. In light of Shenzhen's recent pilots and reforms, it is now the most favourable destination for foreign insurers seeking to establish a WFOE in mainland China.

China, GATS, Trump: do non-US insurers get a piece of the US-China trade deal?
China | 11 August 2020

Despite the tortuous path ahead for the US election campaigns and the trials and tribulations of 2020, the US-China Phase One Trade Deal remains in place. As China begins to further open its financial market, foreign insurance institutions (FIIs) may be wondering whether non-US FIIs have any chance of benefiting from China's treatment of US insurers. If only US insurers benefit, would that be a Global Agreement on Trade in Services (GATS) violation or would it be GATS compliant?

Why business interruption insurance covers only losses resulting from damage to property
China | 28 July 2020

The rapid spread of the COVID-19 pandemic has affected business operations worldwide. For many companies, business interruption (BI) as a result of the pandemic is one of the greatest operational risks of 2020. Although many companies are insured against BI, their coverage may not extend as far as they believe. For example, compensation under a BI policy is often based on the condition that damage to property has occurred. This article sheds some light on this rule.

Can foreign investors capitalise on insurtech's growth in China?
China | 30 June 2020

It is no secret that China's insurance industry presents good upside growth opportunities and China's insurtech market continues to grow rapidly. Foreign insurers are currently underrepresented in this market, even as former market barriers to entry continue to fall. This market presents great potential for foreign insurers, and Western insurers in particular have centuries of experience to share with their Chinese counterparts.

Developments and typical disputes regarding D&O insurance in China
China | 28 April 2020

In early 2020, the Luckin Coffee scandal drew attention from the insurance, legal and security industries and turned the spotlight on directors' and officers' (D&O) liability insurance policies in China. With the developing pace of the security and insurance markets, the refreshed focus on D&O insurance gives Chinese underwriters plenty to contemplate.

Product innovation: litigation property preservation liability insurance
China | 21 January 2020

In terms of premium revenue, China is the second largest insurance market in the world. However, regulators and insurers are often frustrated due to a lack of insurance innovation. In response to such frustration, litigation property preservation liability insurance has emerged and become a typical insurance solution to satisfy market demand and address unique Chinese insurance requirements in order to align them with the country's judicial system.

Applicability of right of subrogation in Chinese reinsurance context
China | 07 January 2020

Insurance subrogation is an important legal mechanism which enables insurers to reduce their losses after insurance indemnities are paid. However, opinions differ as to the application of reinsurers' right of subrogation. This article answers questions which frequently arise in this regard from a Chinese perspective.

Applicability of right of subrogation in international reinsurance context
International | 24 December 2019

Insurance subrogation is an important legal mechanism which enables insurers to reduce their losses after insurance indemnities are paid. However, opinions differ as to the application of reinsurers' right of subrogation. This article answers these questions from an international perspective.

Does the accessory principle apply to surety bonds?
China | 22 November 2016

China's surety bond market underwent significant development in 2016 and surety bonds have become one of the most important methods for securing a financial guarantee. However, due to a lack of clear Supreme Court guidance on the matter, the laws that apply to surety bonds issued by insurers in China are still the subject of much debate. One key issue is whether the Guarantee Law's accessory principle applies to surety bonds issued by insurers in China.