Your specialists in complex risk situations.
Ever-increasing legal challenges and international character present you and your business model with equally complex risks. We accompany you and support you on this journey.
Finlex – the IPO Powerhouse
Experience and know-how coupled with international market access are of particular importance. Individual advice and a tailored insurance solution, which are also guaranteed worldwide through our network partners, are decisive criteria.
As experts in the field of financial lines, we deal with complex risk situations every day, especially IPOs and their transfer to the insurance market – at every stage of your company’s development.
Our clients include well-known financial service providers, emerging (bio)tech companies and start-ups and also international corporations, including DAX-40 companies.
Our promise
Your advantages
Product development
As experts in the field of financial lines, we continuously adapt our product portfolio to the legal framework and the market conditions.
Innovation
We recognize the current requirements of the market and develop customized and innovative products.
Expert knowledge
We support you in complex issues and risk situations with our extensive market expertise.
Digitization
The digitization of our business processes provides maximum efficiency and thus maximum time savings for your company.
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- Broad international insurer network
- Renowned customers
- Numerous industries
- Innovative products
- Specialized claims experts
- Finlex special concepts
- Premium terms and conditions
Thanks to our long-term experience, we know what is important in claims processing
Case studies of complex situations
D&O insurance is used to cover the personal liability risk of the acting responsible persons, in particular the executive bodies of the participating companies:
– Liability of the bodies/managing directors vis-à-vis the company (“internal liability”/”external liability”)
– Personal liability of the bodies resulting from their activities as bodies vis-à-vis third parties
D&O/E&O insurance is a combined financial loss liability insurance for the “classic” personal liability risks of members of corporate bodies (D&O insurance) and the liability risks arising from operational business activities (E&O insurance). E&O insurance covers the liability risk of the legal entity (the insured company) and all persons acting on its behalf (including employees) “outside the activity of corporate bodies” towards third parties.
The combination of the two insurances avoids gaps in coverage or problems in case of a claim, which very often arise when only D&O insurance is purchased.
Every business is exposed to a variety of risks, and as a business owner, manager, or employee, you must be legally responsible for your decisions. In this context, the public prosecutor’s office must already ex officio pursue all tips and suspicious facts. There are numerous possibilities: failure to comply with occupational health and safety regulations, endangering consumer protection, environmental pollution and violations of commercial law. The costs of criminal defense are significant.
IPOs or other measures to increase capital (e.g., by issuing additional shares, issuing bonds or through an SPO (Secondary Public Offering)) entail a considerable liability risk for your company. There are numerous possibilities for this. Starting with false information during roadshows, through issuing false/misleading guarantees, to errors in the prospectus. In addition, there are also downstream duties for management (e.g., ad hoc duties), non-compliance with which triggers liability for the members of bodies. An IPO or POSI insurance policy provides the issuing company and its management with insurance coverage for the existing prospectus liability risk.
Reduce your risk as a buyer or seller in a share or asset deal in a M&A transaction. W&I insurance can cover recourse against you and your company from breach of warranty and indemnity claims. This facilitates the clear cut.
Brainfood
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Crowdstrike-Vorfall – Erhalten betroffene Unternehmen eine Entschädigung aus ihrer Cyber-Versicherung?
Ein fehlerhaftes Update des US-amerikanischen IT- Sicherheitsdienstleisters Crowdstrike hat am Freitag zu weitreichenden Störungen geführt. Experten sprechen vom größten, nicht…
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Weshalb ein stabiler D&O-Markt unwahrscheinlich ist
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Berkley Deutschland – einer der führenden Anbieter von Spezialversicherungen und Risikolösungen für den Mittelstand mit umfassendem Produktangebot in Deutschland und Österreich
Im Interview sprechen Alexa von Brevern, Manager Financial Lines und Manuel Metz, Manager Cyber Europe darüber, warum Versicherungsschutz insbesondere für…
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Finlex Financial Lines Summit Austria 2024
[vc_column width="1/1"]This was our 1st Financial Lines Summit Austria - the industry meeting of the rapidly growing cyber and financial…
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New Cyber Expert Lane on the Finlex platform with innovative tender feature
Specialist broker Finlex is launching its new Cyber Expert Lane for companies of all sizes and in all sectors. The…
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Smarter D&O-Versicherungsschutz auch für große Kanzleien
Erweitertes Angebot der Zurich Gemeinsam mit den Versicherern Markel, ERGO, Newline und Zurich bietet Finlex eine spezielle Unternehmens-D&O-Versicherung für Kanzleien…
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The requirements of § 81 para. 2 VVG (grossly negligent causation of the insurance case) in Cyber insurance
[vc_column width="1/1"] (Erichsen/Seiz, r+s 2024, S. 97) Unfortunately, Cyber attacks on businesses are no longer uncommon, but rather part of…
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Impact of the current ECJ jurisdiction on Art. 82 GDPR on Cyber insurance
In three recent judgments (C-687/21, C-340/21 and C-456/22), the ECJ has clarified its jurisdiction on the data protection responsibility of…
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Personal D&O insurance on Finlex platform with three insurers
Managers now can protect themselves against liability risks targeting their personal assets. They can purchase a personal D&O insurance via…
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Finlex expands its Cyber Ecosystem
To counteract the developments in Cyber crime, Cyber insurance is continuously changing and improving. Companies, however, need a symbiosis of…