The smarter …
… choice
is us.
Insurance disputes demand experience.
You should not face them alone – but with experts
who truly understand insurance law.
We are not generalists.
We are experts
in insurance law.
For more than 20 years, insurance law has been our core specialisation. This consistent focus enables a depth of expertise that generalists cannot reach. We know the arguments insurers use, we know the case law — and we know how to win.
We have conducted proceedings before all regional and appellate courts in the region and act nationwide and internationally. Continuous professional development keeps us at the forefront of insurance law.
Selected proceedings have been accompanied all the way to the Federal Court of Justice (BGH) and the Federal Constitutional Court — with decisions that have lastingly shaped insurance law in Germany.
Whether a claim enforcement action, a coverage dispute, or a complex insurer confrontation — we know the subject from both sides and enforce your rights at the highest professional level.
Click on a practice area to learn more.
Disability insurance (Berufsunfähigkeitsversicherung) is one of the most important policies — and one where insurers most frequently and skilfully deny benefits. Pre-contractual disclosure breaches, medical expert disputes, abstract referral to other occupations: we know all defence mechanisms from years of practice and know how to counter them. Our goal is full enforcement of your disability pension — in and out of court.
Following accidents, insurers regularly dispute the degree of invalidity, the progression scale, causation, and the definition of "accident" itself. Questions of pre-existing conditions and notification deadlines add further complexity. We secure the full contractual benefit owed to you — with the necessary resolve.
Fire, burglary, water damage, storm — with property losses, full indemnity is what counts. Insurers regularly raise duty breaches, underinsurance, increased risk, or pre-damage deductions. We handle buildings and contents insurance as well as commercial property cover and lead expert appraisal proceedings where parties dispute the extent of loss.
Life and pension policies promise security — and do not always deliver. Inadequate surrender values, opaque profit participation, invalid objection notices, or improper cancellation deductions are frequent disputes. We know the extensive BGH case law and enforce your entitlements.
Private health insurance is a frequent source of disputes — particularly regarding reimbursement of treatment costs and premium increases. Recent case law has recognised substantial claims against insurers for unlawful premium adjustments. We represent policyholders against their PKV insurer.
Legal expenses insurance is meant to secure access to justice — but is frequently used by insurers as a cost-avoidance instrument. Denial on grounds of lack of prospects, disputes about the insured event, coverage gaps: we know the typical defence tactics and enforce your cover.
Directors & Officers policies, E&O covers, cyber insurance and other specialty lines are legally complex. We advise on both the insurer and policyholder side and accompany coverage disputes and internal liability defence. Errors in handling D&O claims can reach company-threatening proportions.
From private liability to complex commercial liability: we represent policyholders in enforcing cover against their liability insurer. Product liability, environmental liability, and recall costs are areas where legal expertise can be decisive for a company's survival.
Business interruption insurance protects companies against economic losses arising from an operational standstill — whether caused by fire, water damage, machinery breakdown, or regulatory closure orders. When insurers deny cover, shorten indemnity periods, or reduce compensation, the consequences can be existential. We enforce your full entitlement with the necessary resolve — in court and out of court.
Construction projects sit at the intersection of builders' risk, liability, and specialty insurance — a complex and dispute-prone area. Contractors' all-risk insurance, fire during construction, construction site liability, developer liability, and completion guarantees are legally multifaceted. We represent developers, contractors, and builders in coverage disputes with litigation experience at all levels.
We represent professional indemnity-insured solicitors and tax advisors in liability claims — exclusively on the advisor and insurer side. This mandate demands deep understanding of both professional law and insurance law. Both are our daily practice.
We analyse the allegation, coordinate the defence, and accompany judicial and extrajudicial proceedings with the care and discretion these sensitive mandates require.
Get in touchIn this practice area we act exclusively for the advisor or insurer — not for claimants.
Missed deadlines, negligent advice, defective contracts — we coordinate defence and PI coverage for solicitors and their professional indemnity insurers. From first notification to final resolution.
Negligent structuring, omitted warnings, missed filing deadlines — we represent tax advisors and their PI insurers in civil liability disputes.
Not every liability claim triggers insurance cover. We review policy terms, duties and exclusions from the insurer's perspective and litigate disputed coverage with experience.
Claims can often be reduced or defeated. We develop defence strategies, negotiate settlements and represent in proceedings — with efficient resolution as our aim.
What happens when two specialist lawyers for insurance law with over two decades of shared practice think through your case together? A quality of argumentation that sole practitioners and generalists cannot achieve. The structured professional exchange, the complementary areas of focus, the four-eyes principle in strategy — this is the model of this firm.
Complex mandates are discussed by both lawyers. What one side does not see, the other sees. What one builds, the other sharpens. This benefits you directly.
Tobias Küverling advises and litigates primarily in disability insurance, coverage law and specialty lines. His medical law expertise is a key advantage in BU cases where medical and legal questions are inseparably linked.
Andreas Freitag specialises in the judicial enforcement of insurance claims and liability law. His capital markets expertise completes the firm's profile in investment-linked policy and capital products disputes.
We appear before all courts in the region — and work equally nationwide and internationally. We know the characteristics of the individual court locations and prepare our cases accordingly.
For international clients or those unable to travel, consultations are available by video conference.
We will arrange an appointment with you promptly — in person or by video conference.
