Unexpected claims from your employees, problems with the landlord of your commercial properties or trouble because of permits – legal cases such as these regularly come up in the course of ordinary business and often end up in court. With AXA-ARAG by your side, you can fight for your rights without worrying about whether you can still stay in business.
As is well known, being in the right gives no guarantee you’ll win your case. In our video, we explain why your company also needs legal protection insurance:
If your competitor performs acts of unfair competition or a customer doesn’t pay your invoice, you will often need legal counsel to be able to defend your own legal interests. But even if you just suddenly can’t see your way out of a situation – for example, if a former employee unexpectedly claims overtime – good legal advice can quickly prove very expensive. Unless, of course, you have legal protection: with the right insurance not only will the costs of legal disputes be more manageable – but in the event of a court case, the experienced attorneys of AXA-ARAG will also take a lot of work and trouble off your hands.
Filing a lawsuit in Switzerland requires advance payment of the expected procedural costs and court fees – in addition to the attorney’s fees. A financial challenge for any company – from sole proprietorship to limited companies. And it’s not without risk. Because even if the suit is won, the plaintiff is responsible for claiming reimbursement of all costs incurred as well as any benefits awarded. If the losing party cannot pay, the plaintiff must bear the default risk themselves. Due to this arrangement, many companies and self-employed persons forgo pursuing their claims in court, even when the legal situation is clear. Here, the only thing that can help is legal protection insurance, which covers the risk of costs and services in the event of legal cases against payment of a comparably low premium.
These payments are covered by the AXA-ARAG legal protection insurance for companies:
With commercial legal protection, your SME or company is protected against the high costs of legal disputes. This module covers topics that form the basis of your operations, such as the hiring of employees, disputes regarding your commercial property, or operating licenses. And it provides support to prevent a situation from even getting that far: our legal experts are there for you with helpful tips for difficult legal questions regarding your business.
The risk of becoming entangled in a legal dispute is part of everyday business life. Possible causes include employees, landlords, neighbors, or insurance. Changes in the law can also lead to unexpected disputes – with authorities, for example. As your partner, AXA-ARAG assumes the financial risk for legal cases concerning your business and provides professional advice and representation in these cases.
Good commercial legal protection offers individual options to expand coverage. After all, no two companies are alike – regardless of the sector, size, or risks. With additional modules and supplementary coverage, you can expand your legal protection according to your needs.
If you are the landlord or lessor of property, this supplementary coverage for commercial legal protection provides optimum protection. Disputes often arise in property management between landlords and their tenants. If a lawsuit ensues, you need a strong partner at your side to advise you and defend your rights.
Contracts are part of everyday life for entrepreneurs. Whether purchase, employment, or manufacturing agreements – the provisions they contain are designed to stipulate the obligations between you and your company’s customers, employees, or service providers. Non-compliance can lead to financial turbulence. As your partner, AXA-ARAG represents you and your interests in contractual disputes.
Some bills go unpaid simply because the recipient mislaid them. However, they become a problem when the customer fails to respond to a reminder. Further reminders are needed, then a final demand, and eventually perhaps debt enforcement proceedings, which are costly and time-consuming. With this supplementary coverage to contract legal protection, AXA-ARAG is the strong partner at your side, handling further demands and debt enforcement on your behalf.
Digitalization offers self-employed persons and SMEs great commercial opportunities. At the same time, being digitally networked also entails risks. Internet entries that violate personality rights, identity and credit card fraud, or disputes regarding website domains are a part of this – which is why they can also be insured if needed. AXA-ARAG protects you or your company against such rights violations.
If mobility is a part of your business activity, then motor legal protection should be too. Choose this module if you maintain company vehicles. It supplements commercial legal protection with the legal areas relevant to drivers:
Trouble with customers, questions about tenancy law, trouble with your web domain: it can happen quickly – and you are involved in a legal dispute that threatens the existence of your small business. In this case, we will make sure that you get your rights quickly.
Up to an annual revenue of CHF 800,000, the total package from AXA-ARAG offers you comprehensive legal certainty in all relevant areas of law.
A neighbor officially objects to the conversion of your office building, an insurance company refuses to pay indemnity, or you have trouble with the authorities because of a permit. Legal cases like these are common in business – that’s why they are covered by AXA-ARAG commercial legal protection.
An employee gives notice. After leaving she makes substantial salary and overtime claims.
You rented a copy machine that has now been defective for the past three days. Despite numerous notifications, Bürotechnik AG hasn’t responded.
The neighbor constantly complains about noise – and is now suing you.
Welding work starts a fire in your workshop. Even though the fire department puts it out quickly, you and your staff still face a criminal investigation.
Problems with customers, questions about tenancy law, trouble with a web domain: having a small company doesn’t mean you can’t have legal trouble that could soon threaten its continued existence. If the AHV payroll amount is below CHF 200,000 and your annual sales below CHF 500,000 , you can benefit with AXA-ARAG from an insurance solution that ensures you are on the safe side in all major legal areas.
No, as a rule, business matters are not covered by personal legal protection. However, the Work module of our legal protection insurance for private individuals offers protection for a secondary occupation on a self-employed basis up to annual revenues of CHF 36,000.
That said, commercial legal protection is also worthwhile for small companies. If your AHV payroll amount is below CHF 200,000 and your annual sales don’t exceed CHF 500,000, you can benefit from a special all-inclusive solution from AXA-ARAG. As an alternative, you can also choose legal advice only when needed – with the individual and unbureaucratic MyRight legal advice over the phone and the MyRight legal tips regarding frequently asked questions.
The premium amount of your legal protection insurance is based on several factors: annual sales, payroll amount, and operating activity. To ensure no coverage gaps occur, you must regularly report updated figures to us.
You as the policyholder and all companies and subsidiaries named in the policy. Partners, owners, trustees and members of executive boards and boards of directors (including associations), members of committees composed of communal executives as well as other members of authorities and administration employees are also insured. There is also legal protection for employees, voluntary helpers, volunteer workers, temporary personnel, and members of the insured organizations.
No, we don’t impose a waiting period. With our legal protection insurance for companies, you’re covered from day one.
No, ongoing cases cannot be insured. Legal protection insurance for companies or small businesses is taken out on a preventive basis. A legal case is covered if the triggering event and need for legal protection occur – and the case is reported – during the insurance term.
No, commercial legal protection is not mandatory, but it is highly recommended. With a company, unexpected conflicts can often occur, e.g. if a neighbor officially objects to the conversion of your office building, an insurance company refuses to pay indemnity, or you have trouble with the authorities in connection with a permit.
Problems with neighbors, insurance companies, or the authorities: anyone can find themselves facing a legal dispute, often out of the blue – and costs can quickly mount up. AXA-ARAG commercial legal protection helps you to assert and defend your rights without having to worry about the cost.
It’s great that you have personal liability insurance. It protects you in cases where you’re at fault, e.g. if you have caused damage to another vehicle. However, if someone else has damaged your car, and you want to claim compensation, that’s when you need legal protection insurance. Liability and legal protection insurance complement each other perfectly and offer all-round coverage.
Contact us as soon as you need legal support.
Reporting a case online couldn’t be simpler, and you can do it 24/7.
Go to the form
AXAjur – report your case directly to our legal experts: 0848 11 11 00 (Mon. – Fri., 8 a.m. to 6 p.m.)
AXA-ARAG Legal Protection
P.O. Box 6944
Yes, you’ll find a large selection of free templates and documents on a wide range of topics as well as a reference generator at MyRight Business. You can also opt for a one-time phone consultation and pay for it conveniently online.