CGA Legal Expenses (2023).pdf

Status: August 2023, without guarantee and in CHF
Insured Parties:
- CGA Assicurazione dei mestieri (2017)
- CGA Assicurazione dei mestieri (2023)
Covered Individuals:
- Contractor and co-insured companies
- Shareholders, independent workers, board members, foundation council members, and association committee members (excluding association directors and self-employed workers)
- Employees, freelancers, loaned personnel, and family members working in the company
- Drivers, owners, renters, passengers, lessees, and assignees of commercial vehicles, boats, and aircraft
Insurance Features:
- Territorial Validity: Freedom House countries only
- Temporal Validity: Coverage applies if the event occurred and legal assistance was needed during the contract's validity period, after the waiting period. Event is considered the first, presumed, or actual violation of laws or contracts.
- Sum Assured:
- Switzerland: Maximum 600'000
- Outside Switzerland: Maximum 150'000 (2017) or 250'000 (2023)
- Waiting Period: 60 days (2017) or 30 days (2023)
- Deductible: None
- Minimum Dispute Amount: None
- Notice Period: 1 day
Covered Services:
- Legal fees, expert reports, court and administrative fees, arbitration and mediation costs, translation costs (2023 only), travel expenses, lost profits, bail bonds, collection costs, non-disclosure of Swiss execution registry, and waiver of reduced benefits in case of gross negligence.
- Sectors of Law Covered:
- Labor law (300'000), license revocation (600'000), client protection (150'000 or 50'000), authorizations, data protection (150'000), property and rights, expropriation, vehicle taxation, contract law, intellectual property, debt collection, internet law, tenancy law, neighborhood law, public construction and planning, travel law, damages and moral harm, tax and customs law, property plans, criminal law, unfair competition, tenant protection, insurance law, and vehicle contract law.
- Consultation: Unlimited in all Swiss legal areas
Comparison of Legal Protection for Businesses:
- (No details provided)