Insurance Law

Insurance law issues play a central role in complex damage and liability situations. The scope of coverage, obligations, and risk exclusions often determine whether economic burdens are absorbed or must be borne by a company itself.

This requires legal precision, reliability, and a keen sense of insurance industry contexts. All too often, it is not the volume of the argument that counts, but the quality of the legal assessment. FGvW has been providing comprehensive advice on insurance law for many years and is one of the few German law firms with proven expertise in this area.

Numerous primary insurers and reinsurers, as well as companies and insured persons, rely on our experience in the legal assessment of insurance claims, the structuring of coverage concepts, and the consistent representation of their interests. Our consulting approach is solution-oriented and focused on the practical feasibility of legal requirements.

A particular focus of our work is on supporting clients in complex claims scenarios. We handle the defense of claims, the monitoring of major claims, and the review and assessment of existing coverage, always tailored to the insurer’s objectives and strategy. Our experience in contract drafting also flows into the development and adaptation of insurance terms and conditions, an aspect that is becoming increasingly important in light of ongoing legal changes. In addition, we advise on insurance regulatory issues.

Our main areas of expertise in insurance law include in particular:

• Property, liability, and financial loss insurance, including D&O
• Product liability insurance and recall cost insurance
• Manager liability and D&O insurance
• Environmental liability, property, and fire insurance
• Coverage reviews and enforcement of claims against insurers
• Advising and representing insurers in complex claims
• Insurance-related liability issues, particularly in the case of major claims
• Litigation in insurance law disputes
• Advice on obligations, risk exclusions, and recourse issues

We see insurance law as an indispensable component of effective risk management. Through close cooperation with related areas of law, we consistently incorporate aspects of liability law, corporate law, and regulatory law, thereby creating a solid basis for decision-making.