Legal cover to help you get compensation
Extensive cover, advances on compensation, independence… the policy has your interests at heart!
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INSURANCE
Legal expenses insurance for businesses*
* Business buildings and contents legal expenses insurance is an optional add-on to the Belgian-law buildings and contents fire insurance policy distributed by BNP Paribas Fortis.
The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period.
Legal expenses cover for businesses
Have your business premises been damaged by a third party – for example, after work done by a neighbour? Have you suffered damage and do you disagree with the proposed compensation? Our specialists defend your interests and strive to obtain fair compensation for the damage caused to your workplace and its contents. Legal expenses are also covered if you are prosecuted as a result of an incident on your business premises covered by your fire insurance policy.
Extended cover
Lawyers' fees, investigation fees, expert witness fees and court fees? They’re all covered, whether the matter is settled out of court or decided by a judge, up to a limit of €50,000.
Helping you get compensation
Has your building been accidentally damaged, but the party responsible is insolvent? Your policy can step in and pay up to €15,000 in compensation.
Use the lawyer of your choice
Do you need a lawyer to defend your interests? You can choose one yourself: their fees are covered by your legal expenses insurance.
Advance on compensation
Has a third party been held responsible for the damage you’ve suffered? Has the amount of the compensation has been determined, but payment has been delayed? Providis can advance up to €20,000 on this amount.
A team by your side
Specialist claims managers who are fully on top of the relevant rules and any changes to them: thanks to Providis' expertise and independence, your interests are always well protected.
Who is Providis?
Providis is an independent department of AG Insurance. In the event of a dispute covered by your business buildings and contents legal expenses insurance, its specialists will assist and advise you throughout the process.
Your cover in detail
Main risks covered
a dispute related to an incident affecting your business premises or their contents caused by a third party and not covered by your business buildings and contents fire insurance policy
compensation when the third party responsible is insolvent
if you want to take legal action against the third party responsible: fees and expenses related to expert witness reports, investigations, lawyers and court proceedings
an advance on the excess when you don’t receive it from the third party responsible
Main exclusions
situations where the value of the proceedings does not exceed the excess provided for in the policy
fines, surcharges and settlements with the public prosecutor's office
fees and expenses you incurred before requesting our assistance, unless you can prove it was an urgent situation
recovery resulting from insufficient insured amounts in your buildings and contents fire insurance policy
Discover the complete list of risks covered and exclusions
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The above list of risks covered and exclusions. The exact scope of the cover can be found in the standard terms and conditions. To receive a proposal, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Any concerns?
If you have any questions, in the first instance you can contact your advisor or consult Article 21 of the standard banking terms and conditions.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel: 02 547 58 71, info@ombudsman-insurance.be - www.ombudsman-insurance.be.
Want to report an incident?
Urgent assistance, reporting a claim… Our team is here to help whenever you need us!
Contact your advisor or call the Easy Banking Centre for a video call appointment.Call us at 02 433 43 34
Extend your cover
Need even more comprehensive protection? Simply add one of the following on to your buildings and contents fire insurance policy
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Financial protection
Has there been an incident in your office or store that’s stopping you from working, and is this affecting your income? This optional add-on allows you to compensate for the loss of earnings.
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Buildings and content theft cover
Furniture, equipment, goods… Have you suffered a theft that’s caused significant harm to you? It will be covered if you take out this optional theft cover. t
Legal information
AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the control of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702 – is registered under this number with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commission, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.
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