Insurance in Denmark

Bech-Bruun

Bech-Bruun's team, which is led by Anne Buhl Bjelke, demonstrates strength across corporate and regulatory issues, reinsurance mandates and insurance-related mediation and litigation. The group is frequently instructed on high-value disputes spanning professional indemnity, all-risks insurance, product liability, marine insurance, personal injury, life insurance and coverage claims. In addition, Bjelke, who regularly assists international life and non-life insurance companies, handles cross-border insurance portfolio transfers. Jes Anker Mikkelsen has experience in cases before the Maritime and Commercial High Court, Danish High Courts and the Supreme Court, as well as disputes settled by mediation.

Practice head(s):

Anne Buhl Bjelke

Other key lawyers:

Jes Anker Mikkelsen; Camilla Søbjerg Nielsen; Mogens Gaarden

Key clients

ATP

Atradius

City of Aarhus

Codan

CNA Insurance

Danica

Danske Bank

Dansk Supermarked A/S

Enstar EU limited

FM Insurance

GARD

Gjensidige Forsikring

Howden Insurance Brokers AB (part of Hyperion Group)

Live Nation

Ledernes Hovedorganisation

Lloyd’s

Marsh

Velliv (previously Nordea Liv og Pension)

Protector Forsikring

Santander Insurance/Santander Life Insurance

SKULD

Swedish Club

Topdanmark Forsikring

Tryg Forsikring

UK Defence Club

QBE Insurance

Work highlights

  • Representing accountants at a Faroese insurance company Betri in two professional indemnity lawsuits in the wake of the collapse of the Faroese Eik Bank.
  • Representing Protector Forsikring in an indemnity lawsuit related to allegedly contaminated mink feed, which may have caused nationwide transmission of a disease affecting large numbers of minkeries.
  • Representing HDI-Gerling Verzekeringen N.V. in a court case concerning cigarettes stolen in Denmark during transport.

DLA Piper Denmark

Product liability expert Georg Lett and life insurance specialist Pernille Sølling co-head DLA Piper Denmark’s insurance practice, which is frequently instructed in high-profile, multi-jurisdictional insurance, reinsurance and liability disputes. Representing a range of Danish and foreign insurance companies, business enterprises, pension companies and insurance intermediaries, the department also has experience in W&I insurance, insurance policies related to M&A, and cases concerning crime insurance, product liability and professional liability claims. Dispute resolution practice head Anders Julius Tengvad is also active in contentious insurance matters.

Practice head(s):

Georg Lett; Pernille Sølling

Other key lawyers:

Anders Julius Tengvad; Morten Schultz

Testimonials

‘I have to mention my primary contact Morten Schultz. Not only a legal expert, but also a unique personality which never has given me anything but confidence.’

‘Simply the best lawyers for insurance and pension work. With great knowledge covering a legal area that is very complicated.’

‘Great legal and practical knowledge. Great process experience.’

‘Very professional lawyers with extensive knowledge in insurance and pension law, especially Pernille.’

Key clients

Sampension

Danica Pension

Garantifonden

AP Pension

Euro Accident Liv

Copenhagen FinTech Lab

Risk Point A/S

Euclid Transactional

Chubb

Codan

Europæiske ERV Rejseforsikring

AXA XL

AIG

PFA

ATP

Work highlights

  • Representing Garantifonden for skadesforsikringsselskaber in a highly publicised €13m claim against Howden insurance Brokers AB, Gable Insurance AG (in bankruptcy) and Barbican Speciality Reinsurance Company; the claim is pursuant to reinsurance policies written by Barbican in favour of Gable with a Danish insurance agent called Husejernes Forsikringsagentur as cover holder and Howden as an insurance mediator.
  • Defending AP Pension in a group of individual cases, filed after a class action suit involving 220 claimants was dismissed.
  • Currently defending AXA XL and AIG as co-insurers in a complex case concerning coverage under recall insurance covering also product replacement regarding worldwide deliveries of defective products.

Gorrissen Federspiel

Under the leadership of Henriette Gernaa, Gorrissen Federspiel's group is skilled at handling complex insurance and reinsurance disputes, and also advises on transactional and regulatory issues. From a contentious viewpoint, the group represents insurance companies, reinsurers and brokers in a wide range of disputes and international arbitration proceedings including product liability and product recall claims, professional liability issues, commercial liability matters, personal injury claims and workers’ compensation work. Non-contentious areas of focus include Solvency II regime matters, fund issuances and insurance business restructurings. Peter Appel and Jens V. Mathiasen are particularly active in maritime insurance matters.

Practice head(s):

Henriette Gernaa

Other key lawyers:

Peter Appel; Jens V. Mathiasen; Jacob Skude Rasmussen; Lotte Eskesen; Kenneth Hvelplund Pedersen

Testimonials

‘The team are very analytic when cases are examined.’

‘The group is dedicated with individuals working 24/7 to help clients.’

Key clients

Deloitte Danmark

FSN Capital Partners

BUPA

Uni-Tankers

Scandlines

West of England P&I

Skuld P&I

Orskov Yard

ITIC

Work highlights

  • Represented FSN Capital Partners in arbitration proceedings regarding warranty claims totalling $150m.
  • Representing Deloitte in proceedings instigated by several of the bankruptcy estates of the (former) OW Bunker group.

Kennedys

The team at Kennedys primarily acts in insurance and reinsurance disputes, with a particular focus on corporate and commercial insurance matters, including coverage and defence work. Acting for a wide variety of Danish, Scandinavian and international insurers and reinsurers, the practice handles personal injury claims, provides regulatory advice and advises insured companies on coverage issues on behalf of insurers. The team is led by Morten Erritzøe Christensen, who also has a track record in D&O, IPO, professional indemnity and cyber-related claims.

Practice head(s):

Morten Erritzøe Christensen

Plesner

Plesner’s insurance group is spearheaded by Torben Bondrop, who is ‘one of the most well-respected, experienced and knowledgeable insurance lawyers in Denmark’. The team represents several large domestic and international insurers and pension funds in insurance and reinsurance matters, most notably in product liability, commercial liability and personal injury claims. Other key areas of strength include matters relating to workers' compensation, property damage and regulatory issues, particularly in connection with the establishment and restructuring of insurance companies and pension funds. It is also active in reinsurance matters and insurance-related mediation.

Practice head(s):

Torben Bondrop

Other key lawyers:

Charlotte Hasseriis Iversen

Testimonials

‘The team has very strong – and always updated – competencies, are always available when needed, and the response time is very short, which is an extremely important factor for me’

‘The professional skills are absolutely sublime and the individuals that I work with both have really strong personalities. They are trustworthy, provide a feeling of security and they are responsive to alternative thinking if you present an alternative point of view to a legal issue.’

‘What makes the team unique is that they work closely together as a unit. No information is lost, and the lawyers’ cooperation on the cases creates great value and efficiency.’

‘Torben Bondrop and Charlottes Hasseriis Iversen stand out as individuals. They are both extremely skilled lawyers and practitioners; and at the same time, they are very decent and likeable people, which one can always trust.’

‘Torben Bondrop is an excellent lawyer – solid, diligent and easy to work with.’

‘Partner Torben Bondrop is one of the most well-respected, experienced and knowledgeable insurance lawyers in Denmark. He is also a brilliant litigator.’

Key clients

Codan (RSA)

Tryg

Danica Pension

PFA Pension

PenSam

LB Forsikring

AXA XL

Barbican Reinsurance

Swiss Re

BNP Paribas Cardif

AP Pension

Lloyds Syndicates

SAMLINO

AnaCap Financial Partners

nærpension forsikringsformidling

Dental Accident Appeal Agency

Gjensidige Forsikring

Work highlights

  • Acting for PFA Pension and Danica Pension in a large number of disability insurance claims, where there is a suspicion of fraud.
  • Defending Topdanmark and its policyholder HME in the High Court against a large recourse claim from Zürich Insurance and Codan (RSA) based on a very large fire in the Danish science centre, Experimentariet, which also damaged adjacent buildings.
  • Defending Gjensidige Forsikring against a large PI claim under a construction project policy.

Accura Advokatpartnerselskab

The insurance team at Accura Advokatpartnerselskab focuses on insurance litigation and commercial arbitration work, with notable experience in D&O, professional indemnity, product liability, project insurance and W&I disputes. As well as acting for domestic and international insurer clients, the group also receives instructions from pension funds, engineering companies and insolvent corporations. Jacob Møller Dirksen, who leads the group, also has experience in cross-border coverage issues.

Practice head(s):

Jacob Møller Dirksen

Testimonials

‘Jacob Møller Dirksen has a solid background within insurance especially in regard to W&I insurance, management liability insurance, professional liability insurance and product liability insurance. He has a unique practical angle on these types of insurance because he has deep insight into the cases which are usually covered under such insurance.’

‘Jacob Møller Dirksen has a natural elegance – he makes a mark in the world by his results and excellent skills, not by making a fuss around himself.’

‘They have a small but good team.’

‘Good customer service.’

Key clients

Swiss Re

Allianz

Zurich Insurance

Codan Insurance

RiskPoint A/S

Crawford & Company

AXA Insurance

AP Pension

SONY

MSIG Insurance Europe AG

Work highlights

  • Representing multiple insurance companies in multi-party construction liability and insurance disputes following the massive fire at Experimentarium (Copenhagen Scientific Center).
  • Advising a global insurance company on matters of coverage, double insurance etc. regarding a directors and officer’s insurance taken out by a well-known Danish listed company relating to the sale and scrapping of a vessel in Asia.

ARK Advokatpartnerselskab

Handling a variety of matters containing dispute resolution and insurance issues, boutique firm ARK Advokatpartnerselskab is split into a number of sub-specialised practice groups. Jesper Ravn heads up the compliance, fraud, personal injury, employers liability, private insurance and life insurance teams; Allan Kvist-Kristensen spearheads the product liability, risk management and property insurance groups; and Thomas Dall Jensen focuses on professional indemnity and finance-related matters.

Practice head(s):

Jesper Ravn; Allan Kvist-Kristensen; Thomas Dall Jensen

Other key lawyers:

Anne Mette Myrup Opstrup

Key clients

Topdanmark Forsikring

Tryg Forsikring

ALKA

AIG

Allianz

Protector Forsikring

QBE

HDI

Gjensidige Forsikring

Købstædernes Forsikring

Concordia Forsikring

Velliv Liv og Pension

Work highlights

  • Representing Købstædernes Forsikring at the Eastern High Court in a case regarding whether the client was the correct defendant or if the injured should have taken out a subpoena against the insured company instead.
  • Representing Thisted Forsikring in relation to a recovery claim regarding a train accident in 2018.
  • Acted for 15 Danish insurance companies in a fraud case, where a policyholder had taken out accident insurance policies with 17 insurers within two and a half years prior to him getting his finger amputated in an alleged accident; the Appeals Court found the policyholder to have acted intentionally.

Horten

The ‘very approachable, knowledgeable and experiencedChristina Steen heads up Horten’s wide-ranging insurance practice, which regularly assists an assortment of major domestic and international insurers and brokers. In its contentious work, the group is instructed in a large variety of D&O, cyber crime, product liability, construction liability and coverage claims. Steen is also adept at handling commercial disputes and professional liability matters, particularly in litigation and arbitration proceedings relating to the liability of executives and board members.

Practice head(s):

Christina Steen

Testimonials

‘Horten has very good experience within the insurance sector and provides very good and practical advice.’

‘Christina Steen is very approachable, knowledgeable and experienced, and gives very practical advice.’

Key clients

Zurich Insurance (US)

AIG

Allianz Insurance (Europe)

Allianz (China)

CNA Hardy

Topdanmark

Chubb

Willis Towers Watson

RiskPoint A/S

Codan

Gable Insurance AG (in bankruptcy)

The Appeals Board of the Patient Compensation Association

Axis Re

Brockwell

Arch

Hiscox

Fitness World

RSA Insurance

Work highlights

  • Acted for the City of Copenhagen in legal proceedings regarding directors’ and officers’ liability.
  • Representing a former board member of Chubb in legal proceedings regarding director’s liability due to decisions on unequal division of marital assets, which is claimed to have inflicted a loss on the Danish Tax Authority.
  • Advising various W&I insurers underwriting W&I insurance relating to M&A transactions.

Kromann Reumert

Instructed by a variety of life and non-life insurance companies, captive insurers and pension funds, Kromann Reumert has a particular focus on corporate and M&A transactions in the insurance space, with additional expertise in contentious matters. Non-contentious insurance specialist Jakob Rosing and regulatory and corporate expert Jens Steen Jensen head up the practice, which counts product liability and marine insurance work among its key areas of expertise. Litigation and arbitration practice head Jens Rostock-Jensen also has a track record in class actions and coverage matters.

Practice head(s):

Jakob Rosing; Jens Steen Jensen

Other key lawyers:

Jacob Høeg Madsen; Jens Rostock-Jensen

Testimonials

‘Very skilled within insurance, both administration and complex challenges.’

Key clients

AIG

AIP Management (PKA)

Alm. Brand

AmTrust Europe

Arch Re Accident & Health

ATP Pension

Chubb Insurance Company of Europe

CNP assurances

Codan Forsikring

Danica Pension

Echelon Insurance

Forsikring & Pension

Gjensidige Forsikring

Global Dental Insurance

If Forsikring

P+ (former DIP & JØP)

Købstædernes Forsikring

LD Pension

Letpension

Lokal Forsikring

Norli Pension Livsforsikring

PensionDanmark

PFA Pension

PKA

Sampension

Swiss Re

Tryg Forsikring

Topdanmark

Velliv, Pension & Livsforsikring

XL Insurance

Zürich

Royal and Sun Alliance (RSA Group)

Dahlberg Assurance Agentur A/S

CNA Hardy

Lockton Companies LLP

Work highlights

  • Advised on the merger of pension fund Juristernes og Økonomernes Pensionskasse and Danske civil- og akademiingeniørers Pensionskasse into P+, Pensionskassen for Akademikere, which combined have more than 90,000 members and DKK120bn in assets.
  • Representing Echelon Financial Holdings in a €45m arbitration against the New Nordic Advisors group alleging misrepresentations by EHF at the time EHF sold Qudos insurance to New Nordic Advisors group.
  • Represented XL Insurance in a cargo recovery claim under a charter party with a Danish disponent owner for damage to three wind turbine blades during sea carriage from Hull to Belfast in early 2018.

Poul Schmith

Considered ‘true experts in insurance law’, the ‘extremely well-coordinated and well-resourced’ insurance team at Poul Schmith has recently handled litigation and arbitration in the private insurance market, expanding beyond its previous focus on state-related insurance and liability issues. The department, which is led by Henrik Nedergaard Thomsen, acts for a wide variety of insurance companies, insurance brokers and insured companies in insurance disputes and court proceedings concerning product and professional liability claims. Sigrid Majlund Kjærulff, who was promoted to partner in 2020, is another key name to note.

Practice head(s):

Henrik Nedergaard Thomsen

Other key lawyers:

Christian Bo Kolding-Krøger; Sigrid Majlund Kjærulff; Inge Houe

Testimonials

‘The practice has a depth of knowledge about the insurance sector, across jurisdictions.’

‘My experience of this team is that they are extremely well coordinated and well resourced. It comprises strong and experienced lawyers. There is consistency in the service delivery and they understand their clients’ needs. They have excellent advocates who provide solid legal advice in a very commercial manner. They are true experts in insurance law.’

‘Henrik Nedergaard Thomsen is a fantastic advocate – he is smooth and compelling. He also provides extremely commercial advice and fully understands his clients’ needs.’

‘The team has been extremely responsive and goes to great lengths to accommodate client needs.’

‘Henrik Nedergaard Thomsen has a detailed knowledge of Danish insurance law and practice and is delightful to work with.’ 

‘Very professional and in-depth handling of cases. Always take their time to discuss different issues. Advice is objective and deliberate. Calm and patient in any matters.’

‘Professional, skilled, kind and empathetic.’

Key clients

AXA XL, a division of AXA

AIG Europe

Allianz Global Corporate & Specialty

CHUBB European Group

Sedgwick Leif Hansen A/S

Sedgwick Ireland

Canopius

Gard

Zurich Insurance

Topdanmark

QBE Insurance (Europe) in bankruptcy

Markel International Insurance

Aviva plc

RiskPoint

Codan

AP Pension

VSW − Die Versicherergemeinschaft für Steuerberater und Wirtschaftsprüfer

Garantifonden for Skadesforsikring

Banedanmark

Justitsministeriet

Rigspolitiet

Politiet

Kriminalforsorge

Domstolsstyrelsen

Forsvarsministeriet

Udenrigsministeriet

Arbejdsmarkedets Erhvervssikring

Ankestyrelsen

Work highlights

  • Representing AXA XL in an international arbitration regarding insurance coverage and subrogation rights in relation to certain renewable energy facilities.
  • Representing Garantifonden for Skadesforsikring, the Danish Guarantee Fund for Non-life Insurers, in a dispute regarding whether the Danish Guarantee Fund, as a consequence of the bankruptcy of the Danish insurance company Alpha Insurance, is liable to indemnify the Norwegian Guarantee Scheme for payments to certain injured Norwegian workers.
  • Acting for AP Pension in a number of complex cases regarding alleged insurance fraud, mainly relating to work ability loss, and claims brought by the insured before The Insurance Complaints Board.

Lundgrens

At Lundgrens, the insurance group specialises in life insurance and high-profile professional liability matters, acting for accountants, board members and lawyers. In particular, the group has notable litigation and arbitration expertise and is frequently instructed in claims arising from bankruptcies, financial losses and tax issues. The team is led by Jesper Hjetting, who has additional experience in establishing insurance companies and formulating insurance terms in contracts. The group also assists with insurance matters relating to real estate transactions.

Practice head(s):

Jesper Hjetting

Other key lawyers:

Nicholai B. Sørensen; Michael Amstrup

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, Pension Fund

The Danish Guarantee Fund for Non-Life Insurance Companies

Lægernes Pension (Danish Physicians’ Pension Fund)

Skandia Pension

APC, Pension Brokers

ISP (Danish Engineers’ Pension Fund)

Dansk Fartøjsforsikring

Work highlights

  • Acted as counsel to the former mayor of Taarnby, who was a former member of the board of directors of Amagerbanken, in a case concerning director’s and officer’s alleged liability.
  • Represented the former CEO of the now-collapsed Eik Bank in a professional liability case brought by Finansiel Stabilitet.
  • Represented the former public accountant of the collapsed bank Løkken Sparekasse in a professional liability matter.

Lundsgaard & Partnere

Lundsgaard & Partnere’s insurance team is led by Søren Lundsgaard, who has extensive experience in professional liability cases, representing directors and board members in court proceedings and preliminary investigations. As a litigation boutique specialising in litigation and arbitration proceedings, the firm also acts in general commercial and D&O disputes, as well as advising on the interpretation and preparation of new insurance products. The team has cross-border insurance experience, especially in litigation concerning Faroe Islands and Greenland entities.

Practice head(s):

Søren Lundsgaard

Testimonials

‘I think the experience and skill when handling complex D&O court cases is near the very top of the Danish market – if not the top. The dedication and knowledge are highly respected by us.’

‘Søren Lundsgaard is a very clever insurance litigator.’

‘I primarily work with Søren Lundsgaard. I believe he stands out due to a combination of, on one side, knowledge and experience – something that some other peers also have – but in, on the other side, the tactical understanding of defending a D&O claim, from the complex legal arguments down to the practicalities of getting the D&O’s to work together in the most efficient way. It is of outmost importance to have an understanding of all the dynamics in a D&O case in order to make the best strategy and I have always been impressed with Søren’s tactical approach.’

Key clients

AIG Europe Limited

CNA Hardy

Codan Forsikring A/S (RSA)

RiskPoint

FSN Capital Partners A/S

Work highlights

  • Represented private equity fund FSN Capital Partners A/S in a dispute against a warranty & indemnity insurance company for a insurance cover claim of €50m.
  • Representing four members of the former management of the cooperative bank Andelskassen J.A.K. Slagelse in relation to an action brought by Andelskassen J.A.K. Slagelse with a claim for compensation of DKK14m.
  • Represented a former chairman of the board 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.

Andersen Partners

Jointly led by Kolding-based Ulrik Christrup and Christiane Feist in Hamburg, the insurance team at Andersen Partners is best known for handling insurance litigation and arbitration proceedings, particularly for clients with operations in Kolding. The practice focuses on representing clients in claims proceedings relating to fire, transport damages and product liability issues.

Practice head(s):

Ulrik Christrup; Christian Feist

Nielsen Nørager

Michael S. Wiisbye , Jan Presfeldt and Michael Kjær Lauritsen jointly lead the Nielsen Nørager insurance practice, which has expertise ranging from dispute resolution to insurance contracts; professional liability litigation, commercial issues and product liability claims are particular areas of focus for the team. Singled out for his ‘exceptional insurance knowledge’, Wiisbye has experience in arbitration proceedings and cases before the Supreme Court concerning fundamental principles in Danish insurance and tort law.

Practice head(s):

Michael S. Wiisbye; Jan Presfeldt; Michael Kjær Lauritsen

Testimonials

‘Excellent knowledge of insurance.’

‘Michael Wiisbye stands out.’

‘Quick, informal and practical approach.’

‘Michael S. Wiisbye is a market leader in insurance disputes. He stands out due to his exceptional insurance knowledge and a very solid and calm way of litigating.’

‘Nielsen Nørager is a highly respected Danish law firm and the insurance partners are well known for their dispute resolution work and their ability to obtain a high level market knowledge relevant to the cases they conduct.’

Key clients

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

If Skadeforsikring

HDI Danmark

ALKA Forsikring

Alm Brand

Codan

Work highlights

  • Represented Codan in a large insurance case regarding insurance coverage relating to the death of a very large stock of pigs.
  • Represented a large construction company in the High Court of Greenland regarding a large insurance claim based on liability in connection with a large construction project.
  • Represented Tryg Insurance in an Eastern High Court case establishing legal principles concerning whether ex gratia insurance coverage, which according to the insurance contract could have been rejected, obligated the insurance company to cover such damages in the future.