Insurance law

As a business owner, you can be held liable for damages caused by your employees or yourself through your products or business activities. Such personal, property, or financial losses can often reach existentially threatening levels. A business liability insurance policy helps safeguard against these risks by providing coverage in such cases.

If your insurer refuses to pay in the event of a claim, you do not have to accept it without challenge. Get in touch with our team of experts: we will assess your specific coverage claim, advise you on your options, and protect your rights—both out of court and in court.

Damage or loss doesn’t just happen at home; it can strike your business premises and assets at any time: goods may be damaged in transit, machinery can break down, water damage can disrupt entire production processes, or a fire may destroy an entire facility. With business property insurance, you can protect specific parts of your company—or the entire operation—and ultimately safeguard your livelihood.

That’s the theory. But what if your business suffers a loss and your insurer refuses to pay? You should never simply accept this outcome. Likewise, avoid getting drawn into exhaustive correspondence; instead, contact us early on for an initial consultation, which we usually provide free of charge.

Let our experts review your specific situation. Whether you have business contents, business interruption, electronics, or accounts receivable insurance, we know the tactics insurance companies employ across all policy types, and we will help you assert your rightful claims.

A government-mandated shutdown can, in the worst-case scenario, threaten the very existence of companies in the food, hospitality, or hotel industries. When it comes to notifiable diseases (e.g., COVID-19 or measles) and pathogens (e.g., salmonella), health authorities are granted extensive powers under the Infection Protection Act.

A business closure insurance policy can protect your company in such cases. It provides compensation if the competent authority orders the closure of your operations—for example, to prevent the spread of diseases or pathogens.

If your insurer refuses to pay the agreed compensation or only offers a minimal lump sum (e.g., 15% of the insured amount), you should have your insurance contract reviewed by our insurance law attorneys. Do not sign any settlement agreement without seeking prior legal advice.

We will advise you on your options and assert your rightful claims on your behalf.