As an entrepreneur, you are daily confronted with legal risks. Whether trouble with an ex-employee, a dispute over an unpaid invoice, or a conflict with the landlord of your commercial premises, legal conflicts cost time, nerves, and above all, a lot of money. In my neutral online consultation, I show you how Business Legal Protection ensures that you can enforce your rights without financial risk.
Key Facts at a Glance
| What is covered | Lawyer and court costs in business disputes, for example employment law disputes with staff, traffic, authorities or criminal and administrative offences. |
|---|---|
| What is not covered | Disputes about contracts with customers and suppliers without an add-on, cases before the policy started or during the waiting period, and intentional acts. Details |
| Who needs it | For self-employed people and businesses with employees, vehicles or rented premises. |
| What does it cost | For self-employed people usually around €300 to €1,500 per year depending on the scope. Non-binding guide value (as of 2026); your premium depends on your situation. You can calculate your exact premium in the comparison calculator on this page. |
| What to look out for | Employer legal protection, contract legal protection as an add-on, business premises and waiting periods. |
The Story of Michael: The Expensive Farewell
Fictional example for illustration; all persons and events are invented.
Let me tell you Michael's story. Michael runs a medium-sized craft business. He's a fair boss, but last year he had to part ways with an employee who repeatedly missed work without excuse. Michael thought the termination was watertight.
Shortly after, the lawsuit from the labor court fluttered into the house. The former employee demanded a high severance payment and claimed the termination was invalid. Michael was sure he was in the right. But then came the bill: at the labor court, in the first instance, each party bears its own costs, regardless of who wins or loses.
The lawyer costs alone for preparation and the appointment totaled over 4,500 euros. Michael was shocked: "Even if I win, I pay almost 5,000 euros for behaving correctly?" Fortunately, Michael had taken out Business Legal Protection through me. The insurance paid for his lawyer as well as the court costs and expert fees. Michael could lean back and let his lawyer handle the case. In the end, they settled, and the insurance bore the entire procedure costs. "Daniel," he told me afterwards, "without the legal protection, I probably would have paid a much too high severance payment out of fear of the costs."
Why being right and getting justice are two different things
A legal dispute can paralyze your company for months. While corporations have their own legal departments, small and medium-sized businesses often stand alone. The costs for lawyers, experts, and courts quickly reach five-figure ranges. Business legal protection is therefore your financial backup to negotiate on equal terms with opponents.
The most important components for your business
Good legal protection for entrepreneurs consists of various modules. In our consultation, we put together the right package:
- Labor Legal Protection: Protection in disputes with employees (termination, reference, salary).
- Traffic Legal Protection: Important for your vehicle fleet in case of accidents or fine notices.
- Property Legal Protection: Dispute with the landlord over rent increases or defects in the commercial property.
- Company Contract Legal Protection: The "Joker". It protects you in disputes arising from your core contracts with customers and suppliers.
- Criminal Legal Protection: Defense if you or an employee are accused of a criminal offense in the course of work.
What to look for when taking out a policy
As your broker with a market overview, I compare the market. In the consultation, we particularly look at these quality features:
Free choice of lawyer: You should always have the choice to go to a lawyer you trust, rather than having to take a lawyer assigned by the insurer.
Waiting periods: Most policies have a waiting period of 3 months for new conflicts. However, there are exceptions and solutions if you already had a previous insurance.
Telephone initial consultation: Top policies offer a lawyer hotline without additional costs. Often a dispute can be clarified by a short phone call with an expert before it escalates.
What Is Not Covered
Commercial legal protection covers many, but not all business disputes. Typical exclusions:
- Disputes with customers: Claims from sales or service contracts with customers are often only covered with an expensive contract law add-on.
- Old disputes: Anything that arose before the policy started or during the waiting period is not covered.
- Company law: Disputes between partners or shareholders are usually excluded.
- Intentional acts: Intentionally committed offences are not covered.
How I Help You in the Event of a Claim
As your broker, I am legally on your side, not the insurer's, and that matters most when something happens. This is how we proceed:
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1. Report it quickly
Let me know as soon as possible, by WhatsApp, phone, email or directly in the simplr app. Many policy conditions require prompt notification.
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2. Document everything
Keep photos, invoices, reports and the names of everyone involved. Good documentation speeds up processing considerably. How to write the claim report.
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3. Obtain confirmation of cover
Before a lawyer is instructed, we clarify cost coverage with the insurer. That way you face no unexpected costs.
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4. I take care of the rest
I submit the case to the insurer, follow up and check the settlement. If the insurer refuses or cuts benefits, we look at the reasons together. What to do after a denial.
Compare Rates Yourself
Use our comparison tool to calculate premiums and find the best rates for your situation. You can sign up directly online.
Tip: When comparing tariffs, make sure they include: a waiver of the prior-contract objection, a performance update guarantee and special criminal legal protection, and with employees also employment legal protection. Company contract legal protection is optional and considerably more expensive. I am happy to check the tariffs with you.
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