Dr. Oliver Spieker
Partner
Insurance Law
We will explain to you what coverage an insurance policy offers and help you to obtain this coverage.
Insurance law – more than small print
Insurance policies are complex. We will help you assess your insurance coverage by conducting legal analyses of your insured risks and comparing them with your insurance policies.
Insurance companies are also subject to strict supervisory regulations. You can rely on us to help you implement innovative solutions in line with these regulations while ensuring good business sense.
As part of our expert advisory services, we offer legally compliant risk management, defence of claims and litigation.
Understanding and obtaining insurance
Insurance law
We will assist you in analysing your legal risks and your options or already existing insurance coverage. Insurance policies are often complex, but we will make them comprehensible, helping you calculate your risks.
Insurance litigation
Insurance litigation is more than disputes about insurance coverage. Insurance policies play a significant role in many disputes, since insurance claims depend on the course and outcome of litigation or arbitration. We will help you prevent errors and protect your insurance coverage.
Insurance sales law
Insurance sales are one of the principal activities of an insurance company. A variety of regulatory requirements need to be considered in this area as well, whether when structuring "classical" personal distribution channels, for "modern" online distribution channels or for mobile solutions. We assist insurance companies, insurance brokers and operators of brokerage platforms with the legally compliant design of structures and processes.
Insurance supervisory law
Insurance companies are continuously developing their business models. Frequently, they no longer consider themselves solely as bearers of risk, but instead offer their customers an innovative, comprehensive range of services in many areas of life. At the same time, they are subject to strict supervisory regulations. We support insurance companies to ensure the successful implementation of new ideas in line with these requirements. In addition to safeguarding compliance with the supervisory framework, we also concentrate on the business goals of the insurance company.
Our advisory specialisations :
- Analysis of legal (insurance-related) risks and comparison with existing or planned insurance policies
- Advice in the fulfilment of insurance law obligations and duties to maintain insurance coverage
- Advice in the sale of insurance, both in "classic" distribution structures and "modern" distribution arrangements online or through apps
- Advice in drafting the wording of insurance conditions
- Advice in matters of insurance supervisory law (requirements for insurer activities, compliance with supervisory regulations, outsourcing etc.)
- Cooperation with insurance brokers, yet also enforcement of claims due to negligent advice
- Optimisation of litigation strategies with a view to potential insurance coverage
