Business Law

Insurance Law

Advice on insurance contracts and claims

Your Specialist for Insurance Law

Insurance law governs the complex legal relationships between insurance companies, policyholders, and third parties. It provides the legal framework for insurance coverage, claims settlement, and the enforcement of claims. Competent advice in insurance law helps you structure your coverage optimally, close gaps in protection, and achieve the best possible settlement in the event of a claim.

One focus of our advisory work is insurance contract law (VVG, German Insurance Contract Act). We review and draft insurance contracts, advise on risk assessment, and support negotiations with insurance companies. We pay particular attention to adequate sums insured, reasonable deductibles, accurate risk descriptions, and the avoidance of coverage gaps. The goal is optimal insurance protection that addresses your individual needs and risks in the best possible way.

In claims law, we represent both policyholders and insurance companies in the handling of claims. We assist with proper claims notification, loss assessment and evaluation as well as in disputes over the obligation to provide benefits. Our expertise covers every line of insurance - from property insurance through liability insurance to personal insurance and D&O insurance.

In settlement disputes and refusals of benefits by insurance companies, we consistently enforce the legitimate claims of our clients. This includes out-of-court negotiations with insurers as well as judicial proceedings. We know the argumentation strategies of the insurance industry and are able to counter them in a well-founded and successful manner.

In the area of liability insurance, we advise on the scope of cover, exclusion clauses and the settlement of liability claims. We have particular expertise in professional-indemnity, business-liability and D&O insurance. We provide support both in preventive contract drafting and in claims handling and dispute resolution.

A further focus lies on insurance supervisory law and regulatory requirements. We advise insurance companies, intermediaries and institutional investors on supervisory duties, compliance requirements and regulatory changes. This also includes advice on Solvency II, IDD (Insurance Distribution Directive) and other European directives.

In the area of insurance fraud and disclosure and notification duties, we provide support in complex matters and disputed questions of interpretation. We represent both policyholders against unjustified accusations of fraud and insurance companies in uncovering and pursuing insurance fraud.

Our lawyer Kumru Dursun and our lawyer Torben Fuchs provide comprehensive and practical advice on insurance law. We combine legal precision with industry-specific know-how and represent your interests both out of court and in court.

Insurance Contract Law

  • Drafting and review of insurance contracts
  • Insurance conditions (T&Cs)
  • Premium setting and adjustment
  • Risk assessment and evaluation
  • Termination and objection

Claims Handling

  • Claims notification and documentation
  • Loss assessment and evaluation
  • Settlement proceedings
  • Benefits disputes
  • Recourse and reimbursement claims

Liability Insurance

  • Business liability insurance
  • Professional indemnity insurance
  • D&O insurance
  • Product liability
  • Environmental liability

Property Insurance

  • Building and household insurance
  • Industrial insurance
  • Transport insurance
  • Electronics insurance
  • Business-interruption insurance

Personal Insurance

  • Life insurance
  • Occupational-disability insurance
  • Accident insurance
  • Health insurance
  • Pension insurance

Insurance Supervisory Law

  • Solvency II compliance
  • IDD (Insurance Distribution Directive)
  • Insurance-intermediary law
  • BaFin proceedings
  • Regulatory advice

Your contact

Kumru Dursun

Kumru Dursun

Specialist in Criminal, Traffic and Civil Law

Book a consultation

Key things to know

Duty to notify: Claims must be reported without delay under § 61 VVG (German Insurance Contract Act)
Limitation period: Claims become time-barred after three years under § 12 VVG
Duty of disclosure: Full disclosure of risk-relevant information when the contract is concluded
TÜV ISO 9001 certified