{"id":1526,"date":"2024-10-17T09:27:35","date_gmt":"2024-10-17T07:27:35","guid":{"rendered":"https:\/\/ff-finanzrecht.com\/versicherungsrecht\/"},"modified":"2026-09-02T17:37:47","modified_gmt":"2026-09-02T15:37:47","slug":"insurance-law","status":"publish","type":"page","link":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/","title":{"rendered":"Insurance Law, Legal Expenses Insurance<br \/>D&#038;O Insurance"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-145nae-651eae05fb78bdd4dd273144f78011ac\">\n.avia-section.av-145nae-651eae05fb78bdd4dd273144f78011ac{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/hero-blurred.jpg);\nbackground-position:50% 50%;\nbackground-attachment:scroll;\n}\n.avia-section.av-145nae-651eae05fb78bdd4dd273144f78011ac .av-section-color-overlay{\nopacity:0.6;\nbackground-color:#084a79;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-145nae-651eae05fb78bdd4dd273144f78011ac main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  avia-full-stretch avia-bg-style-scroll av-section-color-overlay-active av-minimum-height av-minimum-height-custom av-height-custom  container_wrap fullsize'  data-section-bg-repeat='stretch' data-av_minimum_height_px='230'><div class=\"av-section-color-overlay-wrap\"><div class=\"av-section-color-overlay\"><\/div><div class='container av-section-cont-open' style='height:230px'><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1526'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgf3pjem-ee2a691ebc0a9a100bc99d372a9c72ca\">\n#top .flex_column.av-jgf3pjem-ee2a691ebc0a9a100bc99d372a9c72ca{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-jgf3pjem-ee2a691ebc0a9a100bc99d372a9c72ca{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n.responsive #top #wrap_all .flex_column.av-jgf3pjem-ee2a691ebc0a9a100bc99d372a9c72ca{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n<\/style>\n<div  class='flex_column av-jgf3pjem-ee2a691ebc0a9a100bc99d372a9c72ca av_one_full  avia-builder-el-1  avia-builder-el-no-sibling  first flex_column_div av-animated-generic left-to-right av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3\">\n#top .av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3{\nmargin:0 0 0 0;\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:4vw;\n}\nbody .av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 .av-special-heading-tag{\nfont-size:4vw;\n}\n.av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 .av-subheading{\nfont-size:25px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-jgs0mnr3-9c63a68f93f1d2687da7b558ed32b6d3 av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Insurance Law &#8211; Legal Expenses Insurance<br \/>\nD&amp;O Insurance<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='av_section_2'  class='avia-section av-qet8u-a4ecfa2daca0efb943b32ae83d31f62a main_color avia-section-default avia-no-border-styling  avia-builder-el-3  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1526'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-9wkhy-53-b7e58ab618c78239637c95e73f29c530 sc-av_one_third av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9wkhy-53-b7e58ab618c78239637c95e73f29c530\">\n#top .flex_column_table.av-equal-height-column-flextable.av-9wkhy-53-b7e58ab618c78239637c95e73f29c530{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-9wkhy-53-b7e58ab618c78239637c95e73f29c530{\nborder-radius:3px 3px 3px 3px;\npadding:40px 40px 40px 40px;\n}\n<\/style>\n<div  class='flex_column av-9wkhy-53-b7e58ab618c78239637c95e73f29c530 av_one_third  avia-builder-el-4  el_before_av_two_third  avia-builder-el-first  first flex_column_table_cell av-equal-height-column av-align-middle av-animated-generic left-to-right  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m2c7cios-85ab59d4422c405e5c149900db0cd163\">\n.avia-image-container.av-m2c7cios-85ab59d4422c405e5c149900db0cd163 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-m2c7cios-85ab59d4422c405e5c149900db0cd163 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-m2c7cios-85ab59d4422c405e5c149900db0cd163 av-styling- avia-align-center  avia-builder-el-5  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1391 avia-img-lazy-loading-not-1391 avia_image ' src=\"https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3.jpg\" alt='' title=''  height=\"1000\" width=\"1000\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3.jpg 1000w, https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3-300x300.jpg 300w, https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3-80x80.jpg 80w, https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3-768x768.jpg 768w, https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3-36x36.jpg 36w, https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3-180x180.jpg 180w, https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2018\/05\/services3-705x705.jpg 705w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9wkhy-50-93767cdd1bceae904c81bc6c685e417f\">\n#top .flex_column_table.av-equal-height-column-flextable.av-9wkhy-50-93767cdd1bceae904c81bc6c685e417f{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-9wkhy-50-93767cdd1bceae904c81bc6c685e417f{\nborder-radius:3px 3px 3px 3px;\npadding:40px 40px 40px 40px;\nbackground-color:#f7f7f7;\n}\n<\/style>\n<div  class='flex_column av-9wkhy-50-93767cdd1bceae904c81bc6c685e417f av_two_third  avia-builder-el-6  el_after_av_one_third  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-middle av-animated-generic left-to-right  '     ><p><section  class='av_textblock_section av-jgrx3l5f-8a36b3c947446d8518a6ac296ef57fb2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Since its formation as a Rechtsanwaltsgesellschaft mbH in 2010, FF FinanzRecht\u00ae has advised national and international private and corporate clients, with a particular focus on advising members of governing bodies \u2014 that is, management board members and supervisory board members of financial services undertakings.<\/p>\n<p>Since 2014, Dr Froehlich has served as an expert adjudicator (Schiedsgutachter) appointed by the Bar Association of Munich and Upper Bavaria. This role concerns, in particular, cases involving the binding opinion procedure under legal expenses insurance (Stichentscheid) and, in older insurance matters, cases under section 18(3) ARB 1994 \u2014 where the firm is situated in the district of the Munich I Regional Court, that is, in a judicial district other than that in which the lawyer instructed by the policyholder has his or her office.<\/p>\n<p>In all legal expenses matters, up to and including more complex questions of D&amp;O insurance law, we represent clients against legal expenses insurers who refuse or dispute their obligation to indemnify, or who otherwise withhold payment properly due by placing an idiosyncratic construction on the clauses of the ARB terms laid down by the insurance industry.<\/p>\n<p>In our longest engagement to date, a member of a governing body responsible for risk controlling at a former DAX-listed group required assistance over many years in defending damages claims brought in model proceedings for capital investors (Kapitalanleger-Musterverfahren). For sixteen years we advised in parallel against the opposing claimants, carried out complex coordination work in relation to the D&amp;O cover, and \u2014 not least \u2014 acted against the client\u2019s own former DAX company, through to the complete conclusion of the matter and final settlement by way of payments from the D&amp;O insurer and the excess layer insurer.<\/p>\n<p>Members of governing bodies of a company in crisis in particular \u2014 having paid substantial premiums over many years \u2014 repeatedly encounter out-of-court resistance from the specialist law firms instructed by D&amp;O insurers. Experience shows that in such cases it is of considerable value to have at one\u2019s side counsel who is strong, effective in asserting a position, and experienced in litigation.<\/p>\n<p>Here it is character that counts, not the name of a large firm.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgf4q5kq-47-701e1fcf4af9e10f36bd57facb787fb4\">\n#top .hr.av-jgf4q5kq-47-701e1fcf4af9e10f36bd57facb787fb4{\nmargin-top:50px;\nmargin-bottom:65px;\n}\n.hr.av-jgf4q5kq-47-701e1fcf4af9e10f36bd57facb787fb4 .hr-inner{\nwidth:50px;\nborder-color:#d3d3d3;\nmax-width:45%;\n}\n.hr.av-jgf4q5kq-47-701e1fcf4af9e10f36bd57facb787fb4 .av-seperator-icon{\ncolor:#072f4c;\n}\n.hr.av-jgf4q5kq-47-701e1fcf4af9e10f36bd57facb787fb4 .av-seperator-icon.avia-svg-icon svg:first-child{\nfill:#072f4c;\nstroke:#072f4c;\n}\n<\/style>\n<div  class='hr av-jgf4q5kq-47-701e1fcf4af9e10f36bd57facb787fb4 hr-custom  avia-builder-el-8  el_after_av_textblock  avia-builder-el-last  hr-center hr-icon-yes'><span class='hr-inner inner-border-av-border-thin'><span class=\"hr-inner-style\"><\/span><\/span><span class='av-seperator-icon avia-iconfont avia-font-justice' data-av_icon='\uf119' data-av_iconfont='justice' ><\/span><span class='hr-inner inner-border-av-border-thin'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1526","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Law, Legal Expenses InsuranceD&amp;O Insurance - FF-Finanzrecht<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Law, Legal Expenses InsuranceD&amp;O Insurance - FF-Finanzrecht\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/\" \/>\n<meta property=\"og:site_name\" content=\"FF-Finanzrecht\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-02T15:37:47+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/insurance-law\\\/\",\"url\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/insurance-law\\\/\",\"name\":\"Insurance Law, Legal Expenses Insurance D&O Insurance - FF-Finanzrecht\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/#website\"},\"datePublished\":\"2024-10-17T07:27:35+00:00\",\"dateModified\":\"2026-09-02T15:37:47+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/insurance-law\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/insurance-law\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/insurance-law\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Start\",\"item\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance Law, Legal Expenses InsuranceD&#038;O Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/\",\"name\":\"FF FinanzRecht\u00ae Rechtsanwaltsgesellschaft mbH\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/#organization\",\"name\":\"FF FinanzRecht\u00ae Rechtsanwaltsgesellschaft mbH\",\"url\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/ff-finanzrecht.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/ff-logo-01rl-2-1.jpg\",\"contentUrl\":\"https:\\\/\\\/ff-finanzrecht.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/ff-logo-01rl-2-1.jpg\",\"width\":1300,\"height\":370,\"caption\":\"FF FinanzRecht\u00ae Rechtsanwaltsgesellschaft mbH\"},\"image\":{\"@id\":\"https:\\\/\\\/ff-finanzrecht.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Insurance Law, Legal Expenses InsuranceD&O Insurance - FF-Finanzrecht","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/","og_locale":"en_US","og_type":"article","og_title":"Insurance Law, Legal Expenses InsuranceD&O Insurance - FF-Finanzrecht","og_url":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/","og_site_name":"FF-Finanzrecht","article_modified_time":"2026-09-02T15:37:47+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/","url":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/","name":"Insurance Law, Legal Expenses Insurance D&O Insurance - FF-Finanzrecht","isPartOf":{"@id":"https:\/\/ff-finanzrecht.com\/en\/#website"},"datePublished":"2024-10-17T07:27:35+00:00","dateModified":"2026-09-02T15:37:47+00:00","breadcrumb":{"@id":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ff-finanzrecht.com\/en\/insurance-law\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ff-finanzrecht.com\/en\/insurance-law\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Start","item":"https:\/\/ff-finanzrecht.com\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Insurance Law, Legal Expenses InsuranceD&#038;O Insurance"}]},{"@type":"WebSite","@id":"https:\/\/ff-finanzrecht.com\/en\/#website","url":"https:\/\/ff-finanzrecht.com\/en\/","name":"FF FinanzRecht\u00ae Rechtsanwaltsgesellschaft mbH","description":"","publisher":{"@id":"https:\/\/ff-finanzrecht.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ff-finanzrecht.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ff-finanzrecht.com\/en\/#organization","name":"FF FinanzRecht\u00ae Rechtsanwaltsgesellschaft mbH","url":"https:\/\/ff-finanzrecht.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ff-finanzrecht.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2026\/08\/ff-logo-01rl-2-1.jpg","contentUrl":"https:\/\/ff-finanzrecht.com\/wp-content\/uploads\/2026\/08\/ff-logo-01rl-2-1.jpg","width":1300,"height":370,"caption":"FF FinanzRecht\u00ae Rechtsanwaltsgesellschaft mbH"},"image":{"@id":"https:\/\/ff-finanzrecht.com\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/pages\/1526","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/comments?post=1526"}],"version-history":[{"count":6,"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/pages\/1526\/revisions"}],"predecessor-version":[{"id":1599,"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/pages\/1526\/revisions\/1599"}],"wp:attachment":[{"href":"https:\/\/ff-finanzrecht.com\/en\/wp-json\/wp\/v2\/media?parent=1526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}