Professionally secured. Strong legal protection.
Protect yourself from legal disputes in the workplace. Nextsure offers you comprehensive employment legal protection – digital and straightforward.
Protection against dismissal
Warning assistance
Examination of certificates
What is legal protection insurance for employment and why is it important?
Definition & Protection Goals
Need for Employees
Covered Risks
Financial Security
Typical cases of conflict in employment law: When does protection apply?
An employment legal protection insurance can assist in numerous conflict situations that may arise in everyday professional life. One of the most common cases is a wrongful termination lawsuit: If you receive a dismissal that you believe is unjustified, the insurance covers the costs for legal representation and court proceedings. Even in the case of a warning, which often serves as a precursor to dismissal, you can file an objection with insured legal protection and have its legality checked. Other typical applications are disputes over salary and wage payments, for example, if overtime is not compensated, bonuses are withheld, or salary reductions are made unlawfully. Contesting a deficient employment reference that could negatively impact your professional future is also covered. Additionally, employment legal protection provides assistance in conflicts regarding holiday claims, discrimination, or bullying at work, as long as they can be pursued legally. The insurance covers both out-of-court settlement attempts and legal disputes to best preserve your interests.
nextsure Services
Your professional legal protection
Protection against dismissal
Assistance with unjustified dismissal and review.
Cease and desist letters
Support when receiving a warning letter.
Examination of certificates
Analysis and correction of your work certificate.
Salary expectations
Enforcing your wage and salary claims.
Termination agreement
Review and advice on termination agreements.
Bullying Support
Legal action against workplace bullying.
Mediation costs
Coverage of costs for out-of-court settlements.
Freedom to Choose a Lawyer
You decide which lawyer represents you.
Online Degree
Apply for your protection digitally and effortlessly.
Comprehensively secured in working life with nextsure.
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Scope of Employment Legal Protection Insurance: What is Covered?
The exact scope of coverage of employment legal protection insurance can vary depending on the tariff and provider, but core benefits are usually standardised. Fundamentally, the insurance covers the costs incurred in the course of a legal employment dispute. This primarily includes statutory fees for your own lawyer as well as court costs. Should the opposing party win the case, the costs of the opposing lawyer are also usually reimbursed. Furthermore, fees for expert witnesses and assessors are often covered if their expertise is necessary to clarify the facts of the case. Witness fees and travel expenses for court appointments within the country can also be part of the benefits package. Many modern tariffs, such as those from nextsure, also include the costs for mediation procedures, which enable an out-of-court, quicker, and often less stressful conflict resolution. It is important to note the agreed insurance sum, which represents the upper limit of cost reimbursement per insurance claim, as well as any agreed excess, which you bear yourself in the event of a claim.
Waiting times and exclusions: What you need to know!
When taking out employment legal protection insurance, it is essential to become familiar with the terms concerning waiting periods and exclusions. Typically, there is a three-month waiting period from the start of the contract before coverage for newly occurring employment law cases comes into effect. This rule exists to prevent insurance from being concluded only when a conflict is already foreseeable or has occurred. Insurance cases whose causes predate the conclusion of the contract or arise during the waiting period (pre-contractuality) are therefore usually not covered. Common exclusions include disputes resulting from intentional criminal acts, disputes related to company pension schemes, or conflicts concerning construction, property, or tenancy matters, even if they have a professional context. Collective legal disputes (e.g., those involving collective wage agreements) or disputes under corporate law are also often excluded. Therefore, it is essential to carry out a thorough review of the terms and conditions of the chosen policy before concluding.
Costs of legal protection insurance for employment: Rates and factors.
The cost of employment legal protection insurance depends on several factors and can therefore vary. An essential aspect is the chosen scope of benefits: More comprehensive tariffs with higher coverage sums and additional benefits such as worldwide coverage or special advisory offers are naturally more expensive. The level of the deductible also plays a crucial role: A higher deductible reduces the insurance premium but means that in the event of a claim, you will bear a larger share of the costs yourself. Some providers also differentiate their contributions by professional groups or status (e.g., employee, worker, public service). It is therefore highly advisable to compare various tariffs and providers. In doing so, pay attention not only to the price but above all to the price-performance ratio and ensure that the covered risks suit your individual needs. Digital insurers like nextsure can often offer competitive conditions through efficient processes. Use online comparison calculators and examine the contract details carefully to find the appropriate and cost-effective protection.
Employment law protection for employees: Your rights in the workplace.
As an employee, you are entitled to numerous rights, the knowledge and enforcement of which are essential for a fair and secure employment relationship. An employment legal protection insurance is a strong partner that helps you to exercise these rights without financial barriers. This starts with protection against dismissal: a dismissal must be socially justified and adhere to deadlines. If in doubt, legal protection supports you in a dismissal protection lawsuit. Your entitlement to a correct and favourable work reference is also an important right, as it influences your further career opportunities. In cases of unjustified wording, the insurance aids in enforcing a correction. Other key employee rights include salary (timely and full payment, minimum wage), holiday entitlements, regulations on working hours and overtime, as well as protection against discrimination and bullying. The employment legal protection insurance enables you to access qualified legal assistance in case of violations of these rights and to enforce your claims in court if necessary, without having to fear the cost risk.
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Legal protection
Occupational disability
Insurance
Cyber-
Protection
Employment law protection in special situations: probation period, apprenticeship, fixed-term contract.
Even in special employment situations such as the probationary period, during an apprenticeship, or with a fixed-term employment contract, legal protection insurance is of great importance, as specific regulations may apply. During the probationary period, for example, termination is often possible with a shortened notice period and without stating reasons, yet basic protection provisions must be observed. In conflicts, for instance, regarding the validity of a termination even during the probationary period, legal protection offers support. Apprentices benefit from special protection against dismissal after the probationary period and have specific rights and obligations, the compliance with which the insurance secures. With fixed-term employment contracts, questions about the admissibility of the fixed term, early termination, or extension may arise. Employment legal protection insurance helps you to understand the complex legal frameworks in these special scenarios and to effectively assert your interests. The waiting period of the insurance contract should also be observed here.
The right provider: How do I find the best employment legal protection insurance?
The selection of the right legal protection insurance requires careful research and comparison of different offers. To find the best provider for you, you should first analyze your individual needs: Which services are particularly important to you? Do you need, for example, a high coverage amount or specific clauses for certain professional groups? Use independent comparison portals on the internet to get an initial overview of tariffs and conditions. Pay attention not only to the price but especially to the detailed scope of services, the amount of the deductible, and any waiting periods. Customer reviews and test reports from specialist magazines can also provide valuable insights into a provider's service quality and reliability. Check whether the provider offers straightforward claims reporting and competent advice, ideally also digitally – an aspect that nextsure highlights as an Insurtech. Read the insurance terms (AVB) thoroughly before signing a contract to ensure that the chosen protection fits your needs optimally.
Employment law claim: How to correctly report a claim.
If an employment law conflict arises and you wish to make use of your employment legal protection insurance, a correct and prompt approach is crucial. Notify your insurer immediately about the insurance claim – ideally in writing or via the online portal provided by the provider. Describe the facts of the case precisely and truthfully. Attach all relevant documents, such as the employment contract, dismissal letter, warnings, pay slips, or other correspondence with the employer. Many insurers, including nextsure, provide checklists or forms for this purpose. Adhering to deadlines is important, both in relation to the employer (e.g., for an unfair dismissal claim within three weeks) and when reporting to the insurance company. Before you engage a lawyer or incur costs, you should definitely obtain a coverage confirmation from your insurer. This ensures that cost coverage is clarified. Open communication with your insurer significantly facilitates the process.
From when does employment law protection apply after the contract is concluded?
The world of work is undergoing rapid change, driven by digitalisation, globalisation, and new working models. These developments also bring new challenges for employment law, highlighting the importance of comprehensive employment protection insurance. Issues such as home office regulations, legally compliant handling of mobile work, workplace data protection (especially when using digital tools), and the impact of artificial intelligence (AI) on employment relationships raise complex legal questions. Disputes can, for example, arise regarding the equipment for home workspaces, recording working hours in home offices, or the protection of personal employee data. Questions surrounding digital training and adapting employment contracts to new technologies are also gaining relevance. Forward-thinking employment protection insurance, like that offered by nextsure, helps you to act legally and securely on these modern employment law issues and to protect your interests effectively in the digital age.
