Business people and private person alike are required to take out insurance in order to manage risks, whether these might affect life and health, or property, or represent the liabilities assumed in conducting business. Most businesses and private persons therefore take out several insurance policies. There are also mandatory insurance policies giving one the right to compensation, of which the most important are road traffic insurance and professional injury insurance. Many companies and trade unions insure their employees and members through collective insurance schemes.
Dalan can provide assistance with every aspect of insurance cover, including liability insurance, material damage insurance (comprehensive insurance), business interruption insurance (consequential and lost-time insurance), natural catastrophe insurance, hidden defects insurance, motor vehicle insurance, workers’ compensation insurance, life assurance, accident insurance and medical insurance.
Our legal team also assists clients in matters pertaining to retirement pension insurance and pension settlements. The tax implications in such cases, for both the recipient and the company, may be considerable, and our tax lawyers are able to determine the tax impact of the agreements made and the payments involved.
Our clients include:
- Commercial companies, organisations and persons
- Private individuals
- Housing cooperative associations
- Owner-occupied housing associations
- Employers
- Employees
- Injured parties
- Parties with personal liability insurance, including board members, auditors, estate agents and lawyers
- Parties insured against loss or damage
How Dalan can help you
We assist clients in identifying their insurance requirements and scope of coverage, including questions relating to pension schemes and generational succession issues. Moreover, we provide assistance in cases involving personal liability and compensation settlements. We provide support for both the tortfeasor as well as the injured party, and in cases involving recourse between those responsible.
The assistance we provide for our clients includes the following:
- Insurance contracts, including assistance with assessments of insurance coverage, insurance terms, damage area and scope
- Negotiations
- Identification of relevant risk information
- Pension contracts, including support for employees, employers and other pension recipients and providers
- Assessments of pension contributions and pension co-ordination
- Negotiations
- Assessment of the tax situation for employees, employers and other pension recipients and providers
- Appraisal of labour law issues for employee and employer
- Generational succession: the transfer of all or parts of the company or firm to the next generation of the family, or to business colleagues
- Support for both insured party and tortfeasor, liability insurance and hidden defects insurance
- Assessments, advice, and negotiations in connection with the professional liability of board members, lawyers, estate agents, auditors etc., towards injured parties and one’s insurance company
- Identification of the scope of product liability and coverage, advice with respect to reporting, product recall, and the duty to meet salvage operation expenses, including coverage for such expenses
- Clarification of and support in meeting deadlines for notifying insurance claims
- Advice to seller faced with hidden defects insurance claims
- Advice to injured parties
- Clarification of liabilities, compensation claims and insurance cover options
- Negotiations and implementation of insurance settlements
