BUSINESS LEGAL EXPENSES INSURANCE DEFEND YOUR INTERESTS.
A dispute with a client, a supplier or an employee can quickly cost tens of thousands of francs in lawyers' fees and court costs. Business legal expenses insurance covers these costs.
DISPUTES ARE PART OF THE RISK. UNEXPECTED COSTS DON'T HAVE TO BE.
Employment law, commercial contracts, business premises or administrative proceedings: discover the main types of legal cover for defending your company's interests in Switzerland.
CONFLICTS & DISMISSALS
Employment law
A disputed dismissal, a pay dispute or a disagreement over an employment contract: get legal assistance to handle disputes with your employees and defend your company's interests.
CLIENTS & SUPPLIERS
Contract disputes
A client refuses to pay an invoice, or a supplier fails to meet its commitments? The right legal expenses insurance can support you in contractual disputes linked to your business.
RENTS & LEASES
Commercial tenancy law
A disputed rent increase, the termination of your lease or a disagreement with your landlord: protect your company's interests in disputes concerning your offices, shops or other business premises.
DECISIONS & APPEALS
Administrative law
An administrative decision affects your business? Depending on the cover you have taken out, your legal expenses insurance can assist you in certain proceedings and challenges before the authorities.
Compulsory cover, lawyers' fees, waiting periods and commercial disputes: find the answers to the key questions about protecting your business legally.
EVERYTHING YOU NEED TO KNOW ABOUT BUSINESS LEGAL EXPENSES INSURANCE IN SWITZERLAND
Is legal expenses insurance compulsory for a business in Switzerland?
No, business legal expenses insurance is generally not compulsory in Switzerland. It is nevertheless recommended for SMEs, self-employed people and companies that want to protect themselves against the high costs a legal dispute can bring.
What is the difference between business legal expenses insurance and professional liability insurance?
Professional liability insurance comes into play when your company is required to compensate a third party for damage it has caused, within the limits of the policy. Business legal expenses insurance helps you assert your rights or defend yourself in the disputes covered. The two types of cover complement each other and meet different needs.
Does business legal expenses insurance cover lawyers' fees?
Yes, for disputes that are covered, the insurance can pay lawyers' fees, court costs, expert fees and certain procedural expenses. Benefits are subject to the limits, deductibles and conditions of the policy. The choice of lawyer may also be restricted.
Can you take out legal expenses insurance when a dispute is already under way?
As a rule, no. Legal expenses insurance does not retroactively cover a dispute that was already known or arose before the cover started. Some areas also have a waiting period during which new disputes are not yet insured.
Does business legal expenses insurance cover disputes abroad?
Some business legal expenses policies also cover disputes that arise abroad, particularly in international business relationships. The geographical scope varies by insurer and by area of law, so it is important to check which countries are covered and the cover limits before signing up.
Can self-employed people and small businesses take out business legal expenses insurance?
Yes. Self-employed people, sole proprietorships, LLCs (Sàrl) and public limited companies (SA) can all benefit from legal expenses insurance tailored to their activity. Cover and premiums depend in particular on the business sector, the size of the company, its turnover and the risks to be insured.