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Legal protection

OUR LEGAL PROTECTION INSURANCE FOR COMPANIES PROTECTS YOUR BUSINESS AGAINST LEGAL AND FINANCIAL RISKS – USING A MODULAR, FLEXIBLE APPROACH

Thanks to its modular structure, our legal protection insurance for companies lets you take out cover in every area that affects your business. As the name suggests, the Basic commercial legal protection module provides reliable basic cover for every kind of business and can be combined flexibly with up to six other modules.

Fortuna Basic commercial legal protection

 

Modular legal protection for your company

Basic commercial legal protection insurance helps protect you from the impact of disputes in core areas of law affecting your business. It can be combined flexibly with several other modules, depending on your needs.

 

Basic module: basic insurance covering the major risks you might face

  • Reliable basic cover for every kind of business
  • Worldwide protection
  • For disputes involving compensation awards, criminal prosecutions, employment, tenancy and insurance law
  • Up to CHF 1,000,000 per legal case for lawyers’ and court fees, expert opinions and other costs of proceedings

 

Additional modules: What other modules are available under legal protection insurance?

 

We offer a range of modules that can be added to Basic commercial legal protection as optional extras. You are free to choose whichever modules your company most needs to extend its basic cover. The following insurance modules are available:

How you benefit

  • Attractive basic cover that can be extended by adding your own choice of modules to exactly match your company’s needs
  • Up to CHF 1,000,000.– per legal case for lawyers’ and court fees, expert opinions and other costs of proceedings
  • Worldwide protection
  • No deductible, no minimum amount in dispute
  • Fast, competent help from experienced legal experts and lawyers

How Basic legal protection insurance works

 

Real-life examples

Compensatory damages

The postman unintentionally scratches a valuable picture hanging in the reception area of Office AG. Fortuna enforces the company’s claims for damages.

 

Criminal law

Fire breaks out in the workshop of Construction GmbH during welding. Although the fire service manages to put the fire out quickly, Construction GmbH receives a summary penalty order due to its negligence in causing the fire. Fortuna successfully defends the company’s interests.

 

Victim support law

The cashier at Security AG becomes the victim of a hold-up. Fortuna helps the company’s cashier to assert his claims.

 

Employment law

An employee of Salary GmbH hands in her notice. After leaving the company, she claims it still owes her a significant amount of salary and overtime. Thanks to Fortuna, these claims can be successfully rejected.

 

Tenancy law

The landlord of the business premises used by Office AG unfairly increases the rent. Fortuna helps the company pursue and defend its rights.

 

Insurance law

Blue AG’s commercial liability insurance refuses to pay out benefits. Fortuna steps in and proves that the commercial liability insurance has an obligation to pay.

FAQS

Your cover begins after a waiting period of 60 days from the date the contract begins. The insurance covers legal cases that occur during the contract term and are reported to Fortuna during that period. When the contract comes to an end, the insurance is renewed automatically for one year at a time unless cancelled one month beforehand.

Basic commercial legal protection insurance has a limit of indemnity of CHF 1,000,000 per legal case in Switzerland and, if specified, CHF 500,000 in Europe and CHF 100,000 in the rest of the world.

Depending on the module and insured risk, cover applies in Switzerland, Europe and the rest of the world. 

Your company and the day-to-day operations of the co-insured companies and subsidiaries listed in your policy. 

The premium depends on your company’s business activities, revenue, payroll and number of the employees.

Helpful documents

Additional cover options

TOP COMMERCIAL LEGAL PROTECTION

Supplements your basic insurance by providing extensive worldwide cover in contract disputes.

MOTORISTS’ LEGAL PROTECTION

For companies wishing to insure themselves against disputes involving vehicles and road traffic incidents anywhere in the world.

INTERNET LEGAL PROTECTION

For companies seeking worldwide cover for disputes involving cyberbullying and cybercrime, and disputes over domain names.

REAL ESTATE AND LANDLORDS’ LEGAL PROTECTION

For companies looking to protect themselves in disputes relating to commercial premises.

DEBT COLLECTION LEGAL PROTECTION

For companies that don’t want to handle debt collection themselves and would like to insure the collection of receivables.

ADVISORY LEGAL PROTECTION

For companies wishing to obtain comprehensive, first-hand advice from a lawyer on all legal matters.