What is the ruling on insuring companies in Western countries, knowing that it is optional, and company owners resort to it to avoid malicious lawsuits that may be filed against them?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Commercial insurance of all types is Islamically forbidden, due to its inclusion of (excessive uncertainty), (gambling), and consuming wealth unlawfully. The fear of fines does not justify it. The -compliant alternative is cooperative insurance, which is based on donation and mutual cooperation. It is permissible for Muslims residing in the West to establish cooperative insurance to face various risks.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/19116
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 19116
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy