Insurance in Denmark

Bech-Bruun

Bech-Bruun advises on corporate and regulatory work, reinsurance and represents in insurance mediation as well as in litigation concerning the defence of claims. The practice’s litigation expertise includes professional indemnity, all-risk insurance, product liability, marine insurance and personal injury. The firm also advises on life insurances and workers’ compensation. Practice head Anne Buhl Bjelke assists international life and non-life insurance companies with product compliance, passporting and distribution through permanent establishments or by use of Danish insurance intermediaries. Jes Anker Mikkelsen has expertise in shipping as well as offshore and energy insurance.

Practice head(s):

Anne Buhl Bjelke

Other key lawyers:

Mogens Gaarden

Testimonials

‘Highly responsive and proactive.’

‘Very qualified individuals across all levels of seniority.’

‘In-depth knowledge about how insurance branches are regulated. Good at combining this with related areas of law like tax, VAT and compliance. Delivers on time and in accordance with fee estimates.’

‘They are skilled and have a very good understanding of Danish law. Furthermore, they are excellent in court, bringing forward the best arguments that support my case.’

‘The team is responsive and has a commercial but still deeply professional approach.’

‘Anne Buhl Bjelke offers a responsive and value-add service with real insight.’

‘Anne Buhl Bjelke is second-to-none in advising in highly complex, high-value and matter of principle coverage disputes. Anna Buhl Bjelke is one of few Danish lawyers also advising on the regulatory aspects of the Insurance sector. She is analytically strong, pro-active and with an innovative mind-set which is quite rare for lawyers.’

‘Anne Buhl Bjelke is an expert on insurance regulatory work. In relation to setting up insurance branches and in relation to the running of a branch or insurances companies. Absolute value for money when receiving advice from Anne.’

‘Anne Buhl Bjelke is a pleasure to work with. Efficient and deeply professional.’

Key clients

City of Aarhus

City of Copenhagen

Codan

CNA Insurance

Dansk Supermarked A/S

Enstar EU limited

Finansforbundet

FDM

FM Insurance

GARD

Gjensidige Forsikring

Howden Insurance Brokers AB

Live Nation

Ledernes Hovedorganisation

Lloyd’s

BITZER ELECTRONICS

Marsh

Mercer

Velliv

Noreco

Protector Forsikring

Santander Insurance/Santander Life Insurance

Semler Group

SKULD

Skandia Link Livsforsikring A/S

Swedish Club

Topdanmark Forsikring

Tryg Forsikring

UK Defence Club

QBE Insurance

Work highlights

  • Representing the accountants in two professional indemnity lawsuits in the wake of the collapse of the Faroese Eik Bank.
  • Acting for the City of Copenhagen in two lawsuits against Codan Insurance and Swiss Re originating from an extensive fire in a municipal property
  • Representing Protector Insurance in an indemnity lawsuit related to presumably contaminated mink feed causing nationwide transmission of disease affecting large numbers of minkeries

DLA Piper Denmark

DLA Piper Denmark represents Danish and foreign insurance companies, business enterprises and insurance intermediaries in insurance and liability disputes. The team is also involved in matters relating to W&I Insurance and other insurance policies related to M&A. The firm also advises on cases concerning crime insurance, product liability cases and cases concerning professional liability. Georg Lett and Pernille Sølling jointly head the practice and are experienced acting for pension companies in cases regarding matters of principle.

Practice head(s):

Georg Lett; Pernille Sølling

Other key lawyers:

Anders Julius Tengvad

Testimonials

‘The team is one of the best in Denmark in insurance matters.’

‘Very open collaborative mind-set. Great communication skills and always very pragmatic and solution-oriented. Impressive client focus. Creative in problem-solving. In general, a really excellent team and that anyone would want to join.’

‘Full service – top within insurance and damages.’

‘High quality, flexible and pragmatic.’

‘Very good understanding of our business and our products.’

‘Georg Lett and Pernille Sølling have a great knowledge and understanding of the life insurance industry.’

‘Pernille Sølling is very experienced within insurance-matters, which makes her very valuable for us.’

‘Pernille Sølling and Georg Lett are amongst the best lawyers in Denmark in insurance matters.’

‘Georg Lett stands out regarding legal knowledge in tort and legal liability within international finance law. The department also stands out regarding settlement and resolution skills.’

‘Extremely professional and skilled. Deep subject matter expertise. Very good in relationship and stakeholder management.’

‘Pernille Sølling has a high legal level and has heard many cases before the courts. She is very welcoming, helpful, professional and really makes the client feel in safe hands. The legal sparring is at a very high level, and she has a particularly high knowledge of litigation.’

‘Pernille Sølling has a very good understanding of our business, our products, and the sector in general. Her advice is always on point.’

Key clients

Sampension

Danica Pension

Garantifonden

AP Pension

Euro Accident Liv

Copenhagen FinTech Lab

Risk Point A/S

Work highlights

  • Successfully defended Ernst & Young in a case pending before the Eastern Division of the Danish High Court concerning the external auditors’ potential liability in regard to Roskilde Bank’s collapse in the summer of 2008.
  • Representing Sampension in a matter of principle before the Danish FSA in a matter concerning whether Sampension is entitled to change the insurance terms from a guaranteed product to a market rate product.
  • Representing Garantifonden for skadesforsikringsselskaber in a €13m claim against Howden insurance Brokers AB, Gable Insurance AG in bankruptcy and Barbican Speciality Reinsurance Company.

Gorrissen Federspiel

Gorrissen Federspiel specialises in insurance and reinsurance disputes as well as in transactional and regulatory insurance work. The firm acts for insurance companies, reinsurers, brokers and corporate clients in litigation and arbitration involving product liability and product recall, professional liability, commercial liability, personal injury and workers’ compensation. The practice also advises on matters arising from take-overs of brokers, brokers’ rights and binder agreements. Henriette Gernaa heads the firm’s dispute resolution and cross-practice insurance group and is experienced in advising on reinsurance matters. 

Practice head(s):

Henriette Gernaa

Other key lawyers:

Peter Appel; Jens V. Mathiasen

Testimonials

‘The team was always responsive and ready to deliver a bit more. One of the partners was always involved and the quality was guaranteed. Even in times of personnel changes, the quality was consistent.’

‘Great capabilities in litigation and arbitration on maritime law and thereby maritime insurance matters. Great understanding of not only Danish law but also underlying conventions, English and other relevant foreign law as well second-to-none understanding of the maritime industry.’

Key clients

Deloitte Danmark

FSN Capital Partners

BUPA

Codan Forsikring

Work highlights

  • Acting for Deloitte in DKK2.2bn liability proceedings instigated by several of the bankruptcy estates in the former OW Bunker group

Kennedys

Kennedys acts on the insurer side and advises on coverage disputes and the defence of claims against other insurers. The firm is experienced in advising on P&I and W&I insurances, general and product liability as well as on cyber crime matters. The practice also provides regulatory advice and offers coverage advice to insured companies on behalf of insurers. Practice head Morten Erritzøe Christensen also advises on directors’ and officers’ liability, professional indemnity and personal injury cases.

Practice head(s):

Morten Erritzøe Christensen

Testimonials

‘Deep knowledge about insurance.’

‘Dedicated and committed.’

‘We have good experience to work with Kennedys on PI claims.’

Plesner

The insurance practice at Plesner advises insurers and insurance intermediaries as well as insured companies and individuals on product liability, commercial liability and personal injury matters. The team additionally advises on workers’ compensation arising from the loss of earnings. The practice also represents in coverage disputes regarding fire, storm, theft and other property damages. Torben Bondrop is the practice head and is experienced in litigation and arbitration proceedings concerning consultants, product, D&O and general commercial liability.

Practice head(s):

Torben Bondrop

Other key lawyers:

Charlotte Hasseriis Iversen

Testimonials

‘Excellent knowledge of financial regulation regarding life insurance companies.’

‘Torben Bondrop is very well respected in all areas of the Danish insurance sector and one of the very best litigators in Denmark. He deals with all kind of insurance-related issues.’

‘Torben Bondrop is a great lawyer. Excellent knowledge of financial regulation regarding life insurance companies.’

Key clients

Codan (RSA)

Tryg

Danica Pension

PFA Pension

PenSam

LB Forsikring

XL Catlin

Qatar Reinsurance Company

Barbican Reinsurance

Swiss Re

AXA

BNP Paribas Cardif

ALD Automotive

AP Pension

FM Insurance Company Ltd.

Lloyds Syndicates

SAMLINO

AnaCap Financial Partners

FF Forsikring

Dental Accident Appeal Agency

Work highlights

  • Represented DePuy in a €10m recall case concerning hip implants.
  • Represented FM Global in a $2.5m subrogation case under a business interruption policy against an electronic components manufacturer following a factory fire in Thailand in November 2014.
  • Representing Rambøll Danmark in a case concerning large TV masts in France.

Horten

Horten handles contentious work relating to D&O, cyber crime, product liability, construction liability and coverage issues. The practice additionally provides advice on non-contentious matters, including regulatory advice as well as advice in relation to the underwriting of warranty and indemnity insurances. Christina Steen heads the practice and is specialised in commercial disputes and professional liability, particularly in litigation and arbitration in connection with the liability of executives and board members. Jacob Møller Dirksen left the practice in February 2019 to become practice head at Accura Advokatpartnerselskab.

Practice head(s):

Christina Steen

Testimonials

‘Christina Steen has several years of experience dealing with claims in the insurance sector.’

Key clients

Zurich Insurance

AIG

Topdanmark

Chubb

Willis Towers Watson

Assurance Partner A/S

Codan

Crawford & Company

Gable Insurance AG

The Appeals Board of the Patient Compensation Association

Pembroke

Tokio Marine HCC

Allied World Assurance Company

Brockwell

Arch

Ambridge

ANV

Fitness World

Work highlights

  • Represented Zurich Insurance Plc in a €20m dispute arising from a fire during the construction work at the Experimentarium of the Copenhagen Scientific Centre.
  • Acting for Codan in a number of insurance disputes related to liability in connection with construction projects and the liability for architects and other advisors in this regard.
  • Representing ING Bank N.V. in a dispute with the Danish branch of Atradius Crédito y Caución S.A. de Seguros y Reaseguros regarding cover under two credit insurance policies taken out by O.W. Bunker & Trading A/S and Dynamic Oil Trading Holding A/S prior to these companies’ bankruptcies and assigned to ING Bank N.V. as security.

Kromann Reumert

Kromann Reumert handles both non-contentious and contentious matters and is experienced in advising on the pension, life and non-life insurance sector, which includes expertise in product liability, product liability and marine insurance. The firm also covers regulatory advice as well as insurance policies in connection with M&A transactions, financing and employment. Jakob Rosing and Jens Steen Jensen jointly head the practice and assists with the drafting of insurance clauses and conditions. Jens Rostock-Jensen has expertise in class actions and advises on coverage matters.

Practice head(s):

Jakob Rosing; Jens Steen Jensen

Other key lawyers:

Jacob Høeg Madsen; Jens Rostock-Jensen

Testimonials

‘Excellent knowledge of financial regulation regarding life insurance companies.’

‘Very knowledgeable and practical. Combined good legal strategy with practical solutions to problems.’

‘Strong, experienced and dedicated team – strength within M&A, Insurance practice and regulatory practice. To-the point advice.’

‘Excellent knowledge of financial regulation regarding life insurance companies.’

‘Always accessible and available. Understood the need for business solutions as well as legal solutions. Very knowledgeable about the insurance business and appreciative of our particular issues. An excellent business partner.’

‘Deep knowledge within M&A, insurance law, competition issues as well as dispute. Competent and engaged individuals.’

Key clients

AIG

AIP Management

Alm. Brand

AmTrust Europe

Arch Re Accident & Health

ATP Pension

Chubb Insurance Company of Europe

CNP assurances

Codan Forsikring

Danica Pension

DIP

Echelon Insurance

Forsikring&Pension

Gjensidige Forsikring

Global Dental Insurance

If Forsikring

JØP

Købstædernes Forsikring

LD Pension

Letpension

Lokal Forsikring

Norli Pension Livsforsikring

PensionDanmark

PFA Pension

PKA

Sampension

Tryg Forsikring

Topdanmark

Velliv, Pension & Livsforsikring

Zürich

Royal and Sun Alliance

Dahlberg Assurance Agentur A/S

CNA Hardy

Work highlights

  • Advised Gjensidige Insurance, Mølholm Insurance and Nykredit Insurance on the mergers between Gjensidige Forsikring and its wholly owned insurers Mølholm Forsikring and Nykredit Forsikring.
  • Advised Købstædernes Forsikring in connection with the acquisition of EADK A/S and Mia A/S.
  • Acted for CNA Hardy on a cargo claim case concerning contamination of approximately 7000 mega tons of ULSD oil on board a tanker vessel.

Lundgrens

Lundgrens has a particular expertise in life insurance and professional liability for accountants, board members and lawyers in connection with claims arising from bankruptcies, financial losses and tax disputes, which involves both non-contentious advice and experience in litigation and arbitration proceedings. The firm also assists with insurance matters arising from real estate transactions and construction. Jesper Hjetting heads the practice and assists with setting up insurance companies and formulating insurance terms in contracts.    

Practice head(s):

Jesper Hjetting

Other key lawyers:

Michael Amstrup; Nicolai Bo Sørensen

Key clients

AIG

Codan

Topdanmark Life Insurance

Velliv

HDI Gerling Insurance

Dahlberg Insurance Brokers

AON

APC Insurance Brokers

Norli Pension

Sampension

AP Pension

Forenede Gruppeliv

ISP Pension

Willis Tower Watson

SISA

The Danish Guarantee Fund for Non-Life Insurance Companies

Lægernes Pension

Skandia Pension

Aon

APC, Pension Brokers

ISP

Dansk Fartøjsforsikring

Work highlights

  • Representing Skandia Pension in an appeal in a DKK2.5m matter raised against a broker for negligence in connection with the setup of a pensions scheme.
  • Representing Brian Toft in his defence against personal liability claims in connection with the financial crisis.
  • Representing Topdanmark Livsforsikring in matters relating to claims regarding compensation for a disability pension

Law Firm Poul Schmith

Poul Schmith acts for insurance companies and insurance brokers, insured companies and the Danish Government on insurance disputes and represents clients in court proceedings in connection with product and professional liability claims. The practice also has experience in advising on industrial injuries and vehicle insurance claims as well as on reinsurance aspects. Henrik Nedergaard Thomsen heads the practice and is experienced in advising on insurance covers for energy, offshore and property damages.

Practice head(s):

Henrik Nedergaard Thomsen

Other key lawyers:

Christian Bo Kolding-Krøger; Sigrid Majlund Kjærulff

Testimonials

‘We find the team very professional and it solves the cases we send them in a serious way and with high legal standards.’

‘Very user-friendly and experienced litigators.’

‘Working with Kammeradvokaten/Poul Schmith is more than the mere relation between a client and a lawyer. It is a dynamic relation where we do not need to explain what we work with and what we stand for. Exactly as we know that a lawyer in Kammeradvokaten will have the professionalism, intellectuality and knowledge to handle our cases, they also know and have the respect for our professionalism and knowledge about our specific work area.’

Key clients

AXA XL – XL Catlin Services SE

AIG UK Limited

Allianz Global Corporate & Specialty

Zurich Insurance

QBE Insurance

Markel International Insurance

AVIVA Insurance

RiskPoint

Codan

Garantifonden for Skadesforsikring

Banedanmark

Rigspolitiet

Politiet

Udenrigsministeriet

Ankestyrelsen

Ankenævnet for Patienterstatningen

Work highlights

  • Represented 24 international insurance companies in a $384m case against Noreco and INEOS regarding coverage provided under a Marine Offshore Package Insurance.
  • Represented 20 insurance companies and insurance syndicates in a City Court case against the Norwegian based oil company Noreco claiming that the insurers must indemnify the losses suffered in connection with alleged unjustified rejection of insurance coverage of the Siri platform including refinancing of loans, increased interest expenses, the sale of the Siri platform shares and third party litigation funding to pursue the claims for the damage relating to the Siri platform.
  • Representing Codan Forsikring in two cases regarding CFO fraud in relation to both conducting investigations regarding the money flow and retrieving the defrauded sum.

ARK Advokatpartnerselskab

Insurance boutique ARK Advokatpartnerselskab is 'very specialised in insurance fraud and is one of the best law firms handling these types of issues'. Jesper Ravn leads the compliance, fraud, personal injury, employers liability, private insurance and life insurance teams; Allan Kvist-Kristensen heads up the product liability, risk management and property insurance work; and Thomas Dall Jensen focuses on professional indemnity and finance-related mandates. The firm acts for a notable client roster of domestic and international insurers; key examples include Tryg Forsikring, AIG and XL Catlin.

Practice head(s):

Jesper Ravn; Allan Kvist-Kristensen; Thomas Dall Jensen

Testimonials

‘The team is very specialised in insurance fraud and is one of the best law firms handling these types of issues.’

‘Unique knowledge within insurance fraud.’

‘Jesper Ravn is one of the best insurance fraud lawyers in Denmark.’

‘Allan Kvist-Kristensen finds solutions.’

Key clients

Topdanmark Forsikring 

Tryg Forsikring 

ALKA

AIG 

Allianz 

Protector Forsikring 

QBE Insurance 

XL Catlin 

Gjensidige Forsikring 

Købstædernes Forsikring 

Work highlights

  • Acted for a private individual, who sued for losses which arose from online gambling – the first case in Europe where an online gambling site was found to be liable.
  • Acted for Tryg Forsikring and Latvian insurer Compensa Insurance in a claim arising from the loss of a highway bridge following a collision by a truck.
  • Representing AIG in a professional negligence issue relating to a real estate agent’s alleged undervaluation of a property.

Accura Advokatpartnerselskab

The practice at Accura Advokatpartnerselskab has particular expertise in insurance litigation and arbitration arising from faulty products, construction failures, W&I disputes, M&A and bankruptcy. The practice also handles insurance claims linked to anti-competitive behaviour. Practice head Jacob Møller Dirksen joined from Horten in February 2019 and regularly acts for insurers in cross-border and domestic coverage disputes. Other clients include pension funds, engineering companies and insolvent corporations.

Practice head(s):

Jacob Møller Dirksen

Testimonials

‘Accura Advokatpartnerselskab has recently strengthened their insurance capabilities by hiring Jacob Møller Dirksen.’

‘I have found them to be extremely responsive and they have displayed a high level of knowledge in insurance coverage work.’

‘They are reliable and provide timely advice.’

‘Jacob Møller Dirksen is very competent within litigation, international arbitration, post-M&A disputes, product liability, professional liability and the insurance products that relate to these sectors. He also has a good understanding of insurance law in general.’

‘Jacob Møller Dirksen is a well-established lawyer in insurance matters, particularly in areas of product liability and related insurance litigation.’

‘Jacob Møller Dirksen is very competent within insurance and has a very pleasant personality. He is realistic in his assessments of the merits of a case, which means that unnecessary proceedings are avoided.’

Key clients

Swiss Re

Allianz

Zurich Insurance

Codan

Crawford & Company

AXA

Work highlights

  • Representing insurance companies in a €15m construction liability and insurance litigation following the fire at Experimentarium.
  • Represented an insurance company in a €10m product liability and coverage dispute with its insured.
  • Acted for an insurance company in relation to a US Department of Justice price fixing investigation

Andersen Partners

The insurance practice at Andersen Partners specialises in insurance litigation and arbitration, which includes representation in claims proceedings in connection with fire, transport damages and product liability in sectors such as engineering, the manufacturing of electronics, agriculture and commerce. Kolding-based Ulrik Christrup and Hamburg-based Christiane Feist jointly head the practice and provide regulatory advice on compensation acts.

Practice head(s):

Ulrik Christrup; Christian Feist

Work highlights

  • Represented If Skadeforsikring in a court case regarding the Workers Compensation Act.

Lundsgaard & Partnere

Lundsgaard & Partnere is a dispute resolution boutique specialising in litigation and arbitration, which also includes the representation during preliminary investigations. The practice advises professional liability disputes and regularly acts for directors, board members, lawyers, accountants and technical advisers. The practice also represents in court proceedings concerning claims in connection with warranty and indemnity insurance policies. Practice head Søren Lundsgaard is experienced in assisting with the interpretation of policy conditions and clauses in insurance contracts.

Practice head(s):

Søren Lundsgaard

Testimonials

‘I think they represent a unique skill set with defending D&O claims. Not only the legal part, but understanding the dynamics in each case and creating a defence that matches that.’

‘Søren Lundsgaard is definitely a D&O lawyer from the very top.’

Key clients

AIG Europe Limited

CNA Hardy

Codan Forsikring A/S (RSA)

RiskPoint

FSN

Work highlights

  • Representing AIG Europe Limited and the former chairman of the board of Amagerbanken in a case regarding board members’ liability in relation to the bankruptcy of the Danish bank Amagerbanken with a claim originally amounting to more than DKK1bn.
  • Representing the former members of the board of Andelskassen J.A.K. Slagelse in relation to a bank court case regarding a claim for compensation.
  • Represented FSN Capital A/S in a successful €50m dispute regarding the insurance cover from a W&I insurance company related to a M&A transaction.

Nielsen Nørager

The practice at Nielsen Nørager has expertise in court proceedings regarding professional liability in connection with mismanagement and bankruptcies, which includes the representation of board members, executive officers, lawyers, auditors, engineers and architects. The firm also represents in commercial and product liability claims, particularly in the construction sector. Michael S. Wiisbye is the practice head and regularly acts for insurance companies as arbitrator and also advises on workplace-related personal injury claims.

Practice head(s):

Michael S. Wiisbye

Other key lawyers:

Jan Presfeldt

Key clients

24 international insurance companies and insurance consortiums in the so-called Siri Case.

If Skadesforsikring

HDI Danmark

Alka Forsikring

Alm Brand

Codan

Work highlights

  • Representing Codan as the insurance of an autistic person attacking a nurse, leading to permanent injuries.
  • Represented a manager in a corporate litigation case before the Danish High Court regarding liability for the board of management in respect of a €1.3m claim regarding a number of transactions that lead to the company’s bankruptcy.
  • Successfully represented a large construction company and HDI Denmark Insurance in a DKK6m construction liability claim before the High Court of Greenland.