Individual legal protection for your business

Our approach: You tell us what you do - we tell you which components you need in your commercial legal protection. With the help of our intelligent insureQ algorithm, you can find your personal insurance coverage with just a few clicks. No need for any prior knowledge. But if you still have questions, our experts will be happy to support you personally: They know the legal risks and can therefore put together the modules for your individual business legal protection.

This also means that you only pay for the protection you actually need. Our flexible conditions mean we can make you an attractive offer and keep your deductible as low as possible. All this happens 100% digitally or, if you wish, in a personal meeting: We stand for a fast, convenient version of insurance and want to give you the opportunity to find the optimal insurance coverage with just a few clicks.

The good news is that whether it is business legal protection insurance, commercial legal protection or business legal protection, the bottom line is that these terms mean the same thing. The insurance covers the costs that you and your company may incur through various types of legal disputes.

This is why business legal protection insurance is not dependent on your industry or the type of business you are in, but is sensible and important for all entrepreneurs, self-employed and freelancers from day one.

Commercial legal protection insurance is one of the commercial insurances that every entrepreneur should have. A simplified version of company legal protection is therefore often already integrated into your existing business liability or property damage liability insurance. However, caution is advised: Such "passive" legal protection insurance for companies only takes effect if claims have been wrongfully made against you and your company in the course of a legal dispute. However, if you have to take legal action yourself, you will have to bear the costs yourself.

A comprehensive, stand-alone commercial legal protection policy is therefore not only important to be able to claim your rights in the event of an emergency. It also helps you to be on the safe side for a wide range of cases and to be able to defend yourself against companies that have a much larger budget for legal disputes - even if you have not set aside any reserves for this yourself.

Templates for contracts Get online access to over 1,000 sample letters and contracts from various areas of law. All documents are up to date and written in an understandable way.

The right lawyer Choose your lawyer yourself or seek advice from our experts. The ARAG network for lawyers sets the highest standards for the quality of legal assistance and includes specialized lawyers for all areas of law.

Protection from legal costs

Protect yourself from unnecessary financial burdens. In addition to attorney's fees, ARAG also covers the costs of court proceedings, compensation for witnesses and expert witnesses. In addition, the costs of the opposing party are covered - if required by the court.

Management of receivables

No need to hassle with outstanding receivables. With our corporate legal insurance, you can hand them over to an ARAG collection partner. If the debtor settles 100 % of the claim, you will of course also be paid 100 %.

Chats with a lawyer

You can reach our lawyers either by phone or conveniently via live chat. For urgent questions - for example, on the subject of DSGVO or short-time work - a single consultation can be enough to provide clarity.

Update guarantee for rates

Automatically benefit from the best performance. Future improvements and additions within your selected premium rate automatically apply to your existing contract as well. So you're always optimally protected without having to change your contract.

In many business relationships, no major trigger is needed for a legal dispute to arise - even minor differences of opinion or misunderstandings are often taken as an opportunity to have them resolved in an "official" manner. Especially when a company is still in the start-up phase, legal costs can quickly become an unexpected business risk.

Corporate legal expenses insurance ensures that this risk doesn't exist, and in the event of a lawsuit, you won't have to worry about whether you can afford to pay the right lawyer for another week.

Good commercial legal protection covers all instances in the event of a court hearing and also covers all other "phases" of a legal dispute. Both the business owner and the employees are insured, so the following costs are usually fully covered:

• initial legal consultation
• attorney fees, court costs & litigation expenses
• expert witnesses and appraisers
• witness fees / compensation
• security deposits (loans)

• advances

Important: Most benefits are subject to a waiting period after conclusion of the contract, which is often 3 months. Insurers set this period in order to prevent company legal protection from being taken out only when a threatened legal dispute is already imminent. Commercial legal protection therefore does not work retroactively.

Since business legal protection insurance policies are usually structured according to a modular principle, the above-mentioned benefits form something like the "core". Depending on the industry and company, it can therefore make sense to expand the legal protection and thus also adapt to special circumstances and risks. These include, for example:

• legal protection of commercial traffic

  • e.g. accidents with company vehicles, fine proceedings of the company fleet.

• legal protection for commercial real estate

  • e.g. legal protection in the event of rental disputes.

• extended criminal law protection

  • e.g. special types of proceedings such as fraud.

• corporate contract legal protection

  • e.g. contractual disputes with customers, suppliers, manufacturers or service providers.

• employer protection

  • e.g., litigation regarding terminations, severance pay, etc.

• private legal protection insurance

  • e.g. coverage of the managing director's family.

Special industry-specific services can often be integrated into the legal protection policy. Examples include the assumption of receivables management (incl. debt collection processing), credit checks, special internal legal protection insurance for DSGVO issues, or mediation for out-of-court settlements.

Of course, it is difficult to generalize which modules are actually relevant for individual industries. By answering a few questions about your business, our insurance experts will put together the legal protection for you that covers all your potential risks without you paying for any unnecessary extras.

Legal protection is one of those insurances whose benefits you may never make use of. This fact naturally tempts you not to take it out in the first place, as you tend to be convinced, especially at the beginning of a business, that you will not have much to do with legal disputes anyway.

Since this approach can quickly take revenge, the following should be said: The premiums for a business legal protection insurance are in any case low compared to the costs that even small legal disputes can bring. At insureQ, you can find offers that often start at as little as €17 per month. Since the costs are difficult to generalize, you can simply give us some key data about your industry and you will receive a personalized offer directly.