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
Examples
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 pro- ceedings 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
AXA-ARAG assumes costs of up to CHF 500,000 per insured legal case;
company furniture and equipment costs of up to CHF 300,000.
Supplementary modules:
Legal protection related to contracts
Legal protection related to debt collection
Legal protection related to mobility (free of charge)
Legal protection related to
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
Examples
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.
AXA-ARAG assumes costs of up to CHF 150,000 per insured legal case.
Only available as a supplementary module to business legal protection insurance and legal protection related to contracts
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.
Customized solutions
Legal protection related to
businesses
Every company faces a large number of potential risks, which in a worst-case scenario can lead to much work, annoy- ance 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)
Legal protection related to
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 notifi- cation 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.
AXA-ARAG assumes costs of up to CHF 50,000 per insured legal case.
Only available as a supplementary module to business legal protection insurance and legal protection related to contracts
Legal protection related to
motor vehicles
Cars, cargo and delivery trucks, construc- tion 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 pro- tect. 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)
Examples
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.
AXA-ARAG assumes costs of up to CHF 500,000 per insured legal case.
Supplementary module:
Mobility legal protection insurance (free of charge)
Legal protection related to
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)Legal protection related to
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
Examples
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.
AXA-ARAG assumes costs of up to CHF 150,000 for Switzerland/Europe or CHF 50,000 worldwide per insured legal case.
Included free of charge when pur- chasing business legal protection for companies or legal protection related to motor vehicles.
Contract law Property law Neighbor law Formal expropriation
Legal protection for landlords (optional) Legal protection for builder-owners
(optional) Examples
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
AXA-ARAG assumes costs of up to 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.
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)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!
You can use the different basic and supplementary modules to adjust legal protection coverage flexibly and
in accordance with your company’s requirements.
Always the best representation
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 Guaranteed coverage up to
Business legal protection
Basic module CHF 500,000 Switzerland/Europe
Supplementary module:
Legal protection related to contracts CHF 150,000 Switzerland/Europe Legal protection related to debt collection CHF 50,000 per insurance year
Switzerland Legal protection related to mobility
(free of charge)
CHF 150,000 Switzerland/Europe CHF 50,000 worldwide
Legal protection related to motor vehicles
Basic module CHF 500,000 Switzerland/Europe
Supplementary module:
Legal protection related to mobility (free of charge)
CHF 150,000 Switzerland/Europe CHF 50,000 worldwide
Legal protection related to real estate
Basic module CHF 500,000 Switzerland
AXA-ARAG’s legal protection insurance ensures that you will receive professional legal assistance and pro-
tects you against the costly legal disputes.
WMIC C&P 2731 En – 08.13
AXA-ARAG Legal Protection Ltd Affolternstrasse 42
P. O. Box 6944 8050 Zurich
Telephone 0848 11 11 00 Fax 058 855 96 00 AXA-ARAG.ch
This document is for information purposes only and not binding.
