Protecting your interests

Transcription

1 Legal protection for companies Protecting your interests Legal disputes regarding claims by employees, landlords, suppliers, customers or other persons and institutions harbor an undefinable financial risk for every company. Legal protection insurance is therefore an essential component of corporate cost planning. Services Advice and representation regarding the insured branches of law Analysis of the legal situation Review of the prospects for the case Handling of the case by specialists Advice when retaining an independent lawyer Collection of compensation awarded Online legal portal: MyRight.ch Costs paid Expert opinions Court fees and procedural costs Fees of an independent lawyer (with prior consent) Non-court costs awarded to the opposing party Bail to avoid pre-trial detention (advance payment) Costs for mediation Translation costs Travel costs to attend court proceedings abroad Modular freedom to design coverage Legal risks that can be budgeted Online portal MyRight.ch

2 Customized solutions While you continue to focus on your core activities, you can rest assured that AXA-ARAG will competently represent your legal interests and pay for all the costs incurred. Thanks to its basic module and supplementary module, the corporate legal protection insurance can be tailored perfectly to cover the risks your company faces. businesses Every company faces a large number of potential risks, which in a worst-case scenario can lead to much work, annoyance and enormous expenses for lawyers, courts and damages. Legal protection for businesses provides the most effective protection against the financial risks associated with the disputes in which companies are most likely to become embroiled. Areas of law covered Civil damages law (incl. crime victims compensation) Criminal law Administrative law Insurance law Landlord and tenant law Contract law (e. g. purchases, contract for work and services, leasing) for company furniture and equipment Property law Labor law (optional) A party who caused a loss refuses to pay damages A new production machine is defective, but the supplier does not agree The authorities initiate criminal proceedings against a company and its managers A social insurer (e. g. accident insurance) reduces or refuses to pay benefits An insurance company does not want to pay for a loss An employee takes the employer to court A dispute arises with the landlord CHF 500,000 per insured legal case; company furniture and equipment costs of up to CHF 300,000. Supplementary modules: contracts debt collection mobility (free of charge) contracts Contracts play a central role in every business. If contracts are violated, a company can be abruptly plunged into financial crisis. Areas of law covered Contract law Business information Association and foundation law (advisory services) Sector-specific coverage such as under medical law, vehicle contract law, construction contract law A machine sold to a customer does not work as it should A customer fails to pay or demands a reduction in the price because he is complaining about the work that was done A delayed delivery of materials leads to disputes with the supplier and the customer A customer complains about the repairs that were done Business information Purchasing the supplementary module for legal protection relating to contracts allows you to check the creditworthiness of private individuals and companies online for around CHF 200 per insurance year. CHF 150,000 per insured legal case. Only available as a supplementary module to business legal protection insurance and legal protection related to contracts

3 debt collection By purchasing the supplementary module for legal protection for debt collection you can protect yourself against inconvenient and costly debt collection procedures. AXA-ARAG will enforce the debt and pay for the costs incurred. Scope of insurance Debt collection of undisputed claims Assumption of any cost from debt collection proceedings until a notification of attachment or a bankruptcy notice has been obtained Payment of court fees On expiry of the reminder period you can submit the case to AXA-ARAG s regional legal service, which will collect the payment for the outstanding claim plus interest on arrears and then transfer it to you. CHF 50,000 per insured legal case. Only available as a supplementary module to business legal protection insurance and legal protection related to contracts motor vehicles Cars, cargo and delivery trucks, construction vehicles or busses regardless of the types of vehicles included in your fleet, whatever is on the road in the name of your company is valuable enough to protect. This is the only way in which your company can calculate the daily risks of legal disputes that may face your vehicles, their drivers and passengers. Areas of law covered Civil damages law (incl. crime victims compensation) Criminal law Insurance law Vehicle taxation Disqualification from driving Property law Vehicle contract law (optional) Gross negligence and procedural costs (optional) The person who caused an accident refuses to take responsibility for the damage. Claim for compensation, demands for satisfaction, personal and social insurance claims after a serious road accident. Disputes with a garage concerning work under guarantee. CHF 500,000 per insured legal case. Supplementary module: Mobility legal protection insurance (free of charge) real estate Legal protection for properties and parts of properties for which the insured company is responsible as the owner, tenant, leaseholder. The insurance covers disputes concerning the company s own or rented properties in the following areas of law: Civil damages law Criminal law Insurance law Landlord and tenant law as a tenant or leaseholder MyRight.ch, your legal information portal Do you need legal help? AXA-ARAG now offers online legal support for its customers. MyRight.ch offers you a wealth of options (available in German, French and Italian)

4 Contract law Property law Neighbor law Formal expropriation Legal protection for landlords (optional) Legal protection for builder-owners (optional) The landlord refuses to repair water damage. Renovation work is not done professionally. The neighbors complain about the noise made by a company and file a complaint mobility Legal protection for business trips and business travel. The insurance covers disputes related to business trips in the following areas of law: Road traffic law Transport contracts Vehicle rental Guest accommodation and tourist travel agreements An employee is in danger of losing his driver s license after a traffic accident. The return flight was canceled and the airline refuses to pay for the costs of the subsequent overnight stay. CHF 150,000 for Switzerland/Europe or CHF 50,000 worldwide per insured legal case. Included free of charge when purchasing business legal protection for companies or legal protection related to motor vehicles. CHF 500,000 per insured legal case, up to CHF 150,000 under legal protection for landlords, and up to CHF 20,000 annually for legal protection for builders. Areas of law Contract law Labor law Tenancy law Travel law Family law / inheritance law Property law / real estate law Company law Liability law / insurance law Traffic law / criminal law Public building law Tax law Your advantages Download sample templates Draw up personalized contracts interactively Answers to standard legal questions Have a look at MyRight.ch Unrestricted access and downloads around the clock, user-friendly, reliable and up-to-date: Just log on and benefit!

5 Always the best representation You can use the different basic and supplementary modules to adjust legal protection coverage flexibly and in accordance with your company s requirements. Business legal protection Basic module Supplementary module: contracts debt collection mobility (free of charge) motor vehicles Basic module Supplementary module: mobility (free of charge) Guaranteed coverage up to CHF 500,000 Switzerland/Europe CHF 150,000 Switzerland/Europe CHF 50,000 per insurance year Switzerland CHF 150,000 Switzerland/Europe CHF 50,000 worldwide CHF 500,000 Switzerland/Europe CHF 150,000 Switzerland/Europe CHF 50,000 worldwide Individual solutions Do you need more comprehensive coverage or a larger amount of insurance? With our individualized products we can offer you a customized solution. The advantages of an individual solution Individual, tailor-made contracts Optimized, needs-tailored coverage of corporate risks Risk-adjusted premiums real estate Basic module CHF 500,000 Switzerland

6 AXA-ARAG s legal protection insurance ensures that you will receive professional legal assistance and protects you against the costly legal disputes. This document is for information purposes only and not binding. WMIC C&P 2731 En AXA-ARAG Legal Protection Ltd Affolternstrasse 42 P. O. Box Zurich Telephone Fax AXA-ARAG.ch