Legal Protection
Insurance Manage legal risks. Refine products. Design market-competitive coverage.
Legal risks
Legal disputes are among the key operational and financial risks faced by companies, institutions, and organizations. Labor disputes, contractual disputes, administrative proceedings, compliance cases, or regulatory disputes can quickly incur significant costs and tie up management resources. exxis develops high-performance legal protection insurance solutions for insurers and brokers—from the initial product concept through policy terms and conditions, premium calculation, and underwriting logic to successful market launch.
Our concepts combine legal expertise, actuarial know-how, and claims experience to create marketable, predictable, and financially sustainable legal protection solutions.
Our legal protection concepts enable brokers to offer their clients distinctive products—and allow insurers to underwrite legal expense risks in a transparent, manageable, and financially profitable manner.
Product Development & Design
exxis designs comprehensive legal protection insurance products, including:
- Drafting of policy terms and conditions and modular coverage components
- Definition of benefit types, waiting periods, sublimits, and deductibles
- Development of premium models and rating logic
- Creation of underwriting guidelines and underwriting policies
- Risk segmentation by industry, company size, and line of business
Placement & Market Access
We design and place legal protection solutions with national and international insurers:
- Access to leading legal protection insurers and specialized capacity
- Structuring of quota share, consortium, and excess solutions
- Development of exclusive and well-designed brokerage concepts
Underwriting & Claims Assessment
The close integration of product development, underwriting, and claims management results in practical, legally sound, and financially viable legal protection solutions.
– Melina Middeke, Financial Lines Account ManagerLegal protection provides peace of mind when decisions carry weight.
Product Highlights of Our Legal Protection Plans
Comprehensive legal protection – legally sound, operationally practical, and cost-effective
Coverage of attorneys', court, and expert witness fees.
Mitigation of key operational legal risks.
Legal representation in preliminary investigations and administrative fine proceedings.
Protection in disputes with government agencies and regulatory bodies.
Coverage of costs for alternative dispute resolution procedures.
Efficient processing for insurers, brokers, and policyholders.
Claims Handling – Examples
Labor Law in the Workplace
An employee’s (m/f/d) unfair dismissal claim or a dispute over bonuses/overtime – funding for the defense, including settlement negotiations and the taking of evidence.
Fleet & Field Service
Accident involving a company car with disputed liability, unjustified traffic ticket issued to the driver – enforcement of claims or defense.
Commercial Rent & Business Premises
Issues with rental properties (e.g., heating/mold), disputed operating costs, or unlawful rent increases – enforcing rent reductions or claims for damages, or defending against such claims, including expert witness fees.
Why choose legal protection through exxis?
Extensive claims expertise in complex legal cases --> Review by and coordination with exxis Claims.
Under “Legal Protection,” exxis offers structured solutions to cover the legal risks of companies, management, and organizations.
Contact us
exxis - Your insurer for complex risks
Would you like to learn more or speak with us directly?
Email: info(at)exxis(dot)de
Phone: +49 (0) 5231 603-0
Location: Detmold