Insurance law

Insurance law

Insurance and insurance law is an essential part of running a business for most entrepreneurs. It gives you peace of mind and allows you to focus on your core business. Some insurance policies may be required by law for the industry your business operates in. Other insurances may simply be a very sensible idea to take out to protect your business against unexpected events.

At Raadgiver.dk, we provide our clients with insurance law assistance both before and after the damage has occurred. We can offer business legal assistance within a range of insurance products. The legal assistance includes both advice in connection with the companies’ own internal handling of the claims, as well as business claims handling for insurance companies in the Danish market.

What we can offer

We offer insurance law assistance to companies and insurance companies within the following insurance products:

In addition, we also have experience in handling claims in multinational insurance programs.

Our assistance is based on several years of theoretical and practical experience in claims handling and is – as with all our services – characterized by eye-level advice based on a legal overview from a financial perspective.

Client examples within insurance law

Raadgiver.dk has assisted many clients with insurance law matters. We have, among others, advised the following clients, all of whom have been anonymized:

Manufacturing Company D ApS

A manufacturing company specializing in servicing casting furnaces in both Denmark and abroad contacted Raadgiver.dk with a request to have their sales and delivery terms updated. The company used general terms and conditions that had not been revised for several years and were not aligned with the company’s liability insurance policies.
The company wanted to ensure the best possible protection against financial and legal risks and therefore asked Raadgiver.dk to review and adjust their contract terms based on their specific business and existing insurance coverage.

We:

1. Reviewed the company’s sales and delivery terms in relation to the existing liability insurance policies.
2. Identified provisions where the contractual liability exceeded or did not align with the insurance coverage.
3. Adjusted, among other things, liability limitations, complaint procedures, and force majeure provisions so they reflected the company’s risk appetite, insurance conditions, and the market in which the company operates.

The result was an updated and more balanced contractual framework, where the company’s contractual liability was better aligned with the actual insurance coverage and business model. This reduced the risk of uninsured and unforeseen claims and provided management with greater confidence in day‑to‑day operations.

Demolition Company D ApS

A demolition company carried out work involving the partial demolition of interior parts of a property. During the work, damage occurred to building components that were not intended to be demolished, resulting in a claim for compensation from the client. The damage was reported to the company’s liability insurer.

The insurance company initially rejected coverage, arguing that the damage fell outside the scope of the insurance terms. However, the rejection was based on a factual understanding of the incident that did not align with the actual circumstances on the construction site.

The company contacted Raadgiver.dk for assistance with the case.

In cooperation with the client’s insurance broker, we:

1. Took over the dialogue with the insurance company together with the client’s insurance broker.
2. Reviewed the insurance policy and the reported incident in detail.
3. Obtained new documentation regarding the actual circumstances and presented it to the insurance company, including the nature of the work and how the damage occurred.

After a renewed assessment of the case, the insurance company acknowledged that the rejection had been based on a misunderstanding of the facts. The damage was subsequently recognized as covered under the liability insurance.

The result was that the company had the compensation claim covered in accordance with the insurance agreement.

Why choose Raadgiver.dk for insurance law?

Insurance contracts can be complex, and small details can have major consequences for your business. At Raadgiver.dk, we help you gain clarity and ensure that your contracts provide the right coverage. Based on your company’s insurance contracts, we assist with optimizing contractual terms in consideration of insurance conditions and coverage, and we support you if disputes arise regarding liability claims with the insurance company.

Our approach is practical and strategic – we don’t just look at the law, but also at how your insurance agreements and contracts support your business and minimize the risk of financial loss. With us, you get an advisor who makes insurance law simple and understandable.