Legal certainty for your business
Protect your business against legal disputes. Discover the bespoke commercial legal protection insurance from nextsure – digital, comprehensive, fair.
Coverage of legal expenses
Protection in various legal fields
Customisable plans
What is a commercial legal protection insurance and who benefits from it?
Definition & Core Function of Safeguarding
Target groups: Self-employed, freelancers, companies
Distinction from private legal protection insurance
Importance for Entrepreneurial Activity
Components of Corporate Legal Protection: A Detailed Insight
A comprehensive commercial legal protection insurance consists of various components that can be tailored to the specific needs of your business. Key components include the corporate contract legal protection, which comes into play in disputes arising from contracts with customers or suppliers—such as non-payment or inadequate performance. Equally essential is employment legal protection for employers, supporting you in disputes with employees, such as wrongful dismissal claims or disagreements over employment references. The damage claim legal protection assists you in enforcing compensation claims if your company has been damaged. For conflicts with financial authorities, legal protection for tax matters in court is indispensable. Many policies also include social court legal protection for disputes with social security providers. For companies with fleets, traffic legal protection for commercial vehicles is an important component. Optionally, additional areas like property legal protection for rented or owned commercial properties or extended criminal legal protection can be added. The precise arrangement and combination of these components make it possible to configure a tailored insurance coverage that optimally addresses the individual risks of your business and protects you from high legal costs. Carefully analyse which areas of law are most relevant for your company to best structure the insurance coverage. nextsure is happy to advise you on this digitally and transparently.
Tailored Protection
Powerful building blocks for your business
Corporate contracts
Protection in contractual disputes with customers and suppliers.
Employment Law
Protection for employers in conflicts with employees.
Compensation for damages
Enforcement of one's own claims for damages against third parties.
Tax law
Support in disputes with the tax office in court.
Traffic Law
Protection for company vehicles in case of accidents and fines.
Real Estate
Legal protection for commercially used plots and buildings.
Criminal Law
Special criminal legal protection for professional criminal allegations.
Online Protection
Protection against legal infringements on the internet and data privacy issues.
Mediation
Coverage of costs for out-of-court dispute resolution procedures.
Individually configurable for optimal legal protection.
Legal peace for your business.
Calculate your rate now!
Costs and Factors: What Influences the Premium of Your Commercial Legal Protection Insurance?
The cost of a commercial legal protection insurance depends on a multitude of factors and therefore cannot be specified as a flat rate. A key influencing factor is the chosen sum insured – generally, the higher the cover, the higher the premium. The amount of the deductible also plays a crucial role: a higher deductible reduces the premium, but it means that you'll bear a larger portion of costs in the event of a claim. The industry in which your business operates influences the risk and thus the price; more high-risk industries tend to pay more. The number of employees is also relevant, as the risk of legal disputes increases with a growing workforce. The chosen extent of coverage, that is, which legal areas (e.g., contract law, employment law, traffic law) are covered, is another pricing factor. Some insurers offer discounts for young companies or longer contract durations. The claims history of your company may also be taken into account. To determine the exact costs for your commercial legal protection insurance, an individual calculation is essential. Use our digital tariff calculator or let the experts at nextsure create a tailored offer that is precisely catered to your business needs and risks. Transparency in premium structuring is particularly important to us.
Practical examples: In these situations, business legal protection insurance applies
Commercial legal protection insurance proves to be an indispensable financial support in numerous everyday business scenarios. A classic example is a dispute with a supplier: Suppose a supplier delivers defective goods and refuses to provide replacements or refund the purchase price. Here, the business contract legal protection covers the costs of legal representation and any possible court proceedings. In the field of employment law, a former employee might file an unfair dismissal claim. The legal protection insurance covers the lawyer and court costs that may arise in such a case. Another scenario involves compensation claims: for instance, if your business equipment is damaged by third parties and the perpetrator denies liability, the compensation legal protection helps enforce your claims. Conflicts may arise in tax law as well, for example, if the tax office makes additional demands after an audit that you consider unjustified. The tax legal protection in court supports you in clarifying the matter. For companies with a fleet of vehicles, traffic legal protection is relevant, such as in disputes following an accident or in the case of unjustified fines. These examples illustrate only a fraction of the cases in which commercial legal protection insurance can protect against significant financial burdens.
Contractual legal protection for businesses: Security for contracts and general terms and conditions
Contract legal protection is a fundamental component of commercial legal protection insurance and safeguards your business during legal disputes arising from contracts. This includes contracts with customers and suppliers, as well as service agreements or rental and lease contracts for business premises. Disputes may arise, for instance, if a customer fails to pay invoices, a supplier does not deliver the services contractually assured or only does so inadequately, or if there are disagreements regarding the interpretation of contractual clauses. This also covers the defence against unjustified claims made against your company on a contractual basis. Robust contract legal protection covers the costs for lawyers, court proceedings, experts, and witnesses. This protection is particularly important in the context of Terms and Conditions (T&Cs). It offers valuable support both in the creation and review of your own T&Cs, as well as in disputes arising from the T&Cs of business partners. Given the complexity of contract law and the potentially high costs of legal disputes, this component is of existential importance for almost every company, regardless of size or industry, to minimize financial risks and effectively uphold one's legal position. nextsure ensures that your contract legal protection is optimally tailored to your business needs.
Employment legal protection: Security for employers in conflicts with employees
Employment legal protection is an essential component of commercial legal protection insurance for all companies with employees. It provides financial security and legal support for a variety of conflicts that may arise in the employer-employee relationship. Common applications include unfair dismissal claims, where former employees contest a dismissal. Disputes over warnings, employment references, salary claims, holiday entitlements, or the interpretation of employment contracts are also covered under employment legal protection. This component can even apply to disagreements regarding allegations of discrimination or workplace bullying. The costs of employment legal disputes can be significant, as alongside your own legal fees, you may also have to cover those of the opponent and court fees. In the first instance, each party bears their own legal fees at the labour court, regardless of the outcome. A robust employment legal protection insurance covers these costs, allowing you to assert your rights as an employer confidently and without incalculable financial risk. This gives you the necessary backing to act confidently in complex employment legal situations and make business decisions based on a solid legal foundation. Nextsure helps you find the right employment legal protection for the size and structure of your company.
Niche focus
Tailored Protection
Digital Process
Fast & Transparent
Expert Consultation
Competent & Clear
Tax legal protection before courts: Support in financial disputes
Tax legal protection before the courts is an important component of business legal protection insurance, supporting companies in legal disputes with tax authorities. This protection typically applies when disputed tax assessments arise following an audit, or when the tax office, for example, refuses to recognise business expenses, leading to significant claims. Tax legal protection can also be relevant in disputes over the assessment of VAT, trade tax, or corporation tax. It covers the costs for court clarification of such tax legal conflicts, including legal fees, court costs, and potentially costs for tax advisors if they act as support or experts within the court proceedings. It is important to note that tax legal protection generally only applies from the court proceedings onwards; the preliminary objection procedure with the tax office is often not covered, or only included in certain tariffs. Given the complexity of German tax law and the potentially high financial impact of tax disputes, this component offers valuable security. It allows companies to effectively defend their tax interests against the tax authorities without the risk of high legal costs. nextsure advises you comprehensively on the details and optimal scope of your tax legal protection.
Special Criminal Legal Protection: Protection against criminal allegations in the workplace
Special Criminal Legal Protection is a significant addition to commercial legal protection insurance, safeguarding companies, their executives, and employees from the financial consequences of criminal investigations in a professional context. This component is activated when there is an allegation of a negligently or intentionally committed crime that is said to have occurred during the course of professional activities. Examples could include suspicion of negligent bodily injury (such as in a workplace accident), environmental offenses, tax evasion, delay in filing for insolvency, betrayal of trade secrets, or corruption offenses. Unlike general administrative criminal legal protection, which often only covers negligence allegations, special criminal legal protection frequently also covers intent allegations, as long as there is no final conviction for intent. It covers the often very high costs of specialised criminal law attorneys, experts, witnesses, and court costs. Defence in corporate criminal cases can be extremely expensive; therefore, this protection is particularly important for managing directors, board members, and senior executives. Therefore, special criminal legal protection not only provides financial relief but also ensures the right to the best possible defence in critical situations that could be existential threats to the company and the individuals involved. nextsure helps you to assess the necessity and appropriate scope of this specialised protection.
Find the optimal tariff for your commercial legal protection insurance
Choosing the optimal policy for your commercial legal protection insurance requires a careful analysis of your individual business risks and needs. Start by taking stock: Which areas of law are particularly relevant to your business? Do you often face contract negotiations? Do you have employees and thus a potential risk for employment law conflicts? Do you use a company fleet? Based on this risk analysis, you can define the necessary performance components. Pay attention to the amount of insurance coverage; it should be sufficiently high to cover complex and lengthy legal disputes. Consider the appropriate level of deductible – a higher deductible indeed reduces the premium, but increases your personal contribution in case of damage. Compare not just the price, but above all the benefits and exclusions of the different offers. Read the small print carefully, especially regarding waiting periods, cancellation deadlines, and exclusions for certain legal areas or activities. Use digital comparison portals and tariff calculators like the one from nextsure to get an initial overview. An individual consultation with our experts can help you understand the nuances of the policies and choose insurance cover that is precisely tailored to your corporate profile. Also, pay attention to additional services such as telephone legal advice or mediation, which are often included in the insurance cover and can help resolve disputes out of court.
For which types of businesses is commercial legal protection insurance advisable?
At nextsure, you benefit from a fully digitised process, even in the area of commercial legal protection insurance. This begins with the conclusion: Our online platform enables you to transparently compare rates and conclude a contract easily and paperlessly. In the event of a claim, we consistently continue this digital approach. You can report your legal protection case simply and quickly via our customer portal online—around the clock and from any device. Upload relevant documents directly and track the processing status of your report transparently online. This digital process significantly accelerates communication and decision-making. Additionally, we offer digital services such as access to legal databases, template contracts, or an initial telephone legal consultation with independent lawyers, often even before an official legal protection case arises. Our aim is not only to provide you with financial security in the event of an emergency but also to support you preventively and during a legal dispute with modern, efficient digital tools. This focus on digital solutions saves you time, reduces administrative effort, and ensures maximum transparency. Discover the benefits of a digital-first commercial legal protection insurance with nextsure—for quick and straightforward support when you need it most.
