Insurance broker / Criminal defence insurance / Policy wording archive Criminal defence insurance
KS/AUXILIA AUXILIA: the policy wording in full
Gruppenvereinbarung für Mitglieder der DGGG mit Straf-, Ordnungswidrigkeiten-, Disziplinar- und Standesrechtsschutz für die berufliche Tätigkeit, mit festen Höchstbeträgen für Honorarvereinbarungen je Verfahrensabschnitt und Rückwärtsversicherung.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for KS/AUXILIA AUXILIA.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | as stated in the policy schedule | ||
| Annual aggregate limit | not addressed | ||
| Standalone special criminal defence cover (not just a section of liability or D&O cover) | yes | „Sondervereinbarung Spezial-Straf-Rechtsschutz zwischen DGGG e.V. und KS/AUXILIA …“ | Kopf, page 1 |
| Deductible per claim | not addressed | ||
| Territorial scope (Europe, worldwide, USA and Canada excluded) | not addressed | ||
| Proceedings before foreign authorities and courts covered | yes | „an den Ort des zuständigen ausländischen Gerichtes, wenn dieses das persönliche …“ | 2 f), page 1 |
Insured persons and companies
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Company itself insured (proceedings against the company, corporate fine, confiscation) | not addressed | ||
| Managing directors, board members and legal representatives insured | yes | „Für Honorarvereinbarungen mit Rechtsanwälten beträgt die Höchstentschädigung bei …“ | 2 b), page 1 |
| All employees insured without naming them | not addressed | ||
| Former employees and officers covered for acts during their service | not addressed | ||
| Supervisory board, advisory board and appointed officers (data protection, environment, safety) insured | not addressed | ||
| Subsidiaries covered | not addressed | ||
| Newly founded or acquired subsidiaries automatically covered | not addressed | ||
| Agency workers, freelancers and interns covered | not addressed |
Covered proceedings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Criminal proceedings for alleged negligence | yes, up to the sum insured | „wenn im Zusammenhang mit der im Versicherungsschein genannten Tätigkeit des …“ | 1, page 1 |
| Criminal proceedings for alleged intent (misdemeanours and felonies) | not addressed | ||
| Felonies also covered (not only misdemeanours) | not addressed | ||
| Repayment of costs after final conviction for intent | not addressed | ||
| Administrative offence proceedings (fines) | yes, up to the sum insured | „Die AUXILIA übernimmt nachfolgende, unter „Leistungsumfang“ aufgeführten Kosten in …“ | 1, page 1 |
| Proceedings for corporate fines or sanctions (sec. 30 OWiG, VbVG, art. 31 bis Spanish Criminal Code) | not addressed | ||
| Breach of supervisory duty (sec. 130 OWiG) covered | not addressed | ||
| Cover from the start of the investigation | yes | „wenn im Zusammenhang mit der im Versicherungsschein genannten Tätigkeit des …“ | 1, page 1 |
| Counsel for insured persons as witnesses | yes, up to EUR 2,050 | „Im Zeugenbeistand € 2.050“ | 2 b), page 1 |
| Company counsel for searches, seizures or information requests without accusation | yes, up to EUR 2,600 | „Die Höchstentschädigung für Honorarvereinbarungen mit Rechtsanwälten bei …“ | 2 b), page 1 |
| Disciplinary and professional conduct proceedings | yes, up to the sum insured | „sowie in standes-, disziplinar- oder verwaltungsrechtlichen Verfahren“ | 1, page 1 |
| Tax criminal and tax administrative offence proceedings | not addressed | ||
| Environmental criminal and fine proceedings | not addressed | ||
| Data protection fine proceedings (GDPR) | not addressed | ||
| Antitrust fine proceedings | not addressed | ||
| Proceedings after workplace accidents and occupational safety breaches | not addressed | ||
| Road traffic criminal and administrative proceedings | not addressed | ||
| Extradition proceedings | not addressed | ||
| Costs of internal investigations after a suspicion | not addressed | ||
| Preventive advice before proceedings start (compliance, initial advice) | not addressed | ||
| Costs as victim, joint plaintiff or complainant | yes | „die gesetzliche Vergütung des für den gegnerischen Nebenkläger tätigen Rechtsanwaltes …“ | 2 e), page 1 |
Costs and benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Agreed fees above the statutory scale (RVG, AHR, fee scale) | yes | „Im Ermittlungsverfahren € 4.100 In der Hauptverhandlung je Tag € 1.550 In gerichtlichen …“ | 2 b), page 1 |
| Maximum reimbursed hourly rate of defence counsel | not addressed | ||
| Several defence lawyers per case or person | not addressed | ||
| Private expert opinions | yes, up to EUR 25,000 | „jedoch höchstens bis zu einem Stundensatz des Sachverständigen von € 260, maximiert auf …“ | 2 d), page 1 |
| Travel costs of counsel and insured person | yes, up to EUR 2,600 | „die gesetzlichen Kosten für notwendige Reisen des für den Versicherten tätigen …“ | 2 c), page 1 |
| Interpreter and translation costs | not addressed | ||
| Bail as a loan | not addressed | ||
| Crisis PR and reputation costs | not addressed | ||
| All instances including appeal on points of law and constitutional complaint | not addressed | ||
| Fines, penalties and conditions are not paid | not addressed | ||
| Costs of enforcement of sentences and clemency proceedings | not addressed |
Time scope and waiting period
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiting period from inception | not addressed | ||
| Prior acts cover for unknown acts before inception | yes | „Wegen der enthaltenen Rückwärtsversicherung müssen der AUXILIA vor Vertragsabschluß …“ | Hinweis, page 1 |
| Trigger of the insured event (start of proceedings or time of the act) | not addressed | ||
| Extended reporting period after expiry | not addressed | ||
| Continuous cover when switching insurers | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of proceedings known or foreseeable at inception | not addressed | ||
| Exclusion of proceedings the company brings against insured persons | not addressed | ||
| Exclusion of antitrust and competition proceedings | not addressed | ||
| Exclusion of tax criminal proceedings | not addressed | ||
| Exclusion of traffic offences | not addressed | ||
| Exclusion of proceedings in the USA and Canada | not addressed | ||
| Exclusion for breaches of sanctions and embargoes | not addressed |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Free choice of defence counsel | not addressed | ||
| Insurer consent needed before agreeing fees | not addressed | ||
| Duty to report proceedings promptly | not addressed | ||
| Advance payment of defence costs | not addressed | ||
| Premium basis (turnover, headcount, payroll) | not addressed | ||
| Contract term and notice period | not addressed | ||
| Insurer right to cancel after a claim | not addressed | ||
| Spain: criminal defence as a section of a D&O or legal expenses policy instead of a separate contract | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- AUXILIA Sondervereinbarung Spezial-Straf-Rechtsschutz (Mitglieder DGGG e.V.) Edition: Sondervereinbarung DGGG e.V. und AUXILIA (ohne Datum) Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for KS/AUXILIA AUXILIA and available as plain text.
Volltext KS/AUXILIA AUXILIA Spezial-Straf-Rechtsschutz · As text (Markdown) KS/AUXILIA AUXILIA Criminal defence insurance