With company legal assistance insurance, you get legal assistance in case of business disputes. Think of conflicts with customers or staff, a contract problem with suppliers, or defaulters who do not pay the invoice after a large assignment.
"}},{"componentType":"paragraph","title":"Experts from DAS legal aid","richBody":{"value":"With the company legal assistance insurance of ING, you get legal advice from DAS:
Consultation with specialised lawyers in more than 40 jurisdictions
DAS is independent, employs 800 lawyers and over 100 advocates
They are quickly accessible and regionally available, so often close to you
The company legal assistance insurance is for you as an entrepreneur:
With a business account at ING
In sectors such as construction, catering, personal care, business services, retail, and wholesale
With an annual salary sum* of up to €1 million
* The total annual salary includes the base salary, bonuses, overtime, holiday pay, and any other financial benefits or allowances that employees receive in that year.
"}},{"title":"Self‑employed professionals (zzp)","richBody":{"value":"As a self‑employed professional, you often don’t have large financial reserves. A legal dispute – for example about a contract or a non‑paying client – can have a significant impact straight away. This insurance gives you access to professional legal support, allowing you to stay focused on your work.
"}},{"title":"Sole proprietorship with employees","richBody":{"value":"Do you employ staff? Then you may encounter complex employment law matters, such as dismissal procedures or disputes about employment terms. This insurance provides support in these situations, helping you manage risks and keep costs under control.
"}},{"title":"Partnerships and companies (VOF, BV, NV)","richBody":{"value":"For partnerships and limited companies, the stakes are often higher and the financial risks greater. Think of conflicts with suppliers, business partners or issues related to commercial leases. Legal expenses insurance helps prevent these issues from disrupting your business operations.
"}}]},{"componentType":"sectionTitle","title":"What does a company legal assistance insurance cover?"},{"componentType":"paragraph","richBody":{"value":"The company legal assistance insurance of ING covers legal assistance in case of business disputes, conflicts, and collection assistance in case of default.
What is and isn't insured? Read below.
"}},{"componentType":"comparisonCards","comparisonCardList":[{"title":"This is insured","subtitle":"Conflicts about or with:","usps":[{"body":"Customers or suppliers","iconType":"check-mark"},{"body":"The franchisor","iconType":"check-mark"},{"body":"Staff","iconType":"check-mark"},{"body":"Recovering damages caused by someone else","iconType":"check-mark"},{"body":"Recovering damages to an employee's car","iconType":"check-mark"},{"body":"Environment","iconType":"check-mark"},{"body":"Construction agreements","iconType":"check-mark"},{"body":"Processing (commissioning) of personal data","iconType":"check-mark"},{"body":"With the government: environmental law, zoning plan, permits","iconType":"check-mark"}]},{"title":"This is not insured","subtitle":"Conflicts about or with:","usps":[{"body":"Asset management or grants","iconType":"cross"},{"body":"Generally binding legal rules","iconType":"cross"},{"body":"Industrial and intellectual property","iconType":"cross"},{"body":"Associates among themselves or (legal) parts of the company","iconType":"cross"},{"body":"Franchisees","iconType":"cross"},{"body":"Tax disputes","iconType":"cross"},{"body":"Disputes in traffic (covered by traffic legal assistance)","iconType":"cross"}]}],"title":"This is insured,This is not insured"},{"componentType":"paragraph","richBody":{"value":"Please note: This insurance has a waiting period of 3 months. This means that you are not insured for disputes that occur within 3 months after the start of the company legal assistance insurance. You will still pay a premium. Also, cases that were already known before the start of the insurance are not insured.
"}},{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"What factors influence the premium?
"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"The premium you pay depends on several characteristics of your business. These are the key factors:
The larger your business, the higher the likelihood of legal disputes. Bigger companies therefore generally pay a higher premium.
A private or public limited company typically faces more complex legal issues than a self‑employed professional. This is reflected in the premium.
Do you operate in a sector with extensive contracts or strict regulations, such as construction or hospitality? If so, the risk of legal disputes is higher — which can increase your premium.
A higher turnover usually means greater interests at stake and increased risk. This may lead to a higher premium.
Employing staff introduces employment‑law‑related risks. The more employees you have, the higher the risk — and therefore the premium.
The more comprehensive the cover you select, the higher the premium. This includes optional modules for specific risks.
"}}]}]},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"We cooperate with the insurer Allianz Direct, and where necessary with other insurers within Allianz Group. You can apply for an insurance, change your coverage or make a claim in My ING Business or the ING App. This insurance is underwritten by Allianz Benelux, which means that they will collect your premium and pay out any successful claims.
Terms and conditions
Below you will find more information about the cooperation and the policy conditions of this insurance. Review and save these documents.
Sometimes a little more time is needed to check your application, you will be kept informed. It may also be that your business activity cannot be insured through us, which you will see directly in your application.
"}},{"componentType":"cta","microCopy":"*You can calculate your premium in My ING Business","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/legal","text":"Calculate your premium"}},{"componentType":"highlight","title":"Why insure your company through ING?","richBody":{"value":"A clear overview of your insurances in your ING environment
Report conflicts directly via the app and My ING Business
Change or cancel your policy daily
As a business owner, you can unexpectedly find yourself in a legal dispute. This could involve a conflict with a customer, supplier or even an employee. Without insurance, legal costs can rise quickly. With legal expenses insurance, you:
The premium you pay for this insurance depends on your situation. Factors such as your business activities, annual salary, and chosen coverage, among other things, influence the cost.
You can calculate what you pay for this insurance via the 'calculate your premium' button.
"}},{"title":"What is the deductible of the company legal assistance insurance?","richBody":{"value":"There is no deductible applicable to this insurance.
"}},{"title":"Where am I covered by company legal assistance insurance?","richBody":{"value":"You are insured by default in the Netherlands. You are also insured for certain conflicts in Europe and the countries around the Mediterranean. Please check the policy conditions for more details.
"}},{"title":"Can I choose my own lawyer?","richBody":{"value":"Yes, if your conflict goes to court, you can choose your own legal representative. This is allowed even if the opposing party in your conflict also receives legal assistance from DAS.
"}},{"title":"My invoice is not being paid, what now?","richBody":{"value":"Defaulters cost you time, money, and frustration. If you don't want to chase unpaid invoices yourself, use the collection assistance from DAS.
This is subject to these conditions:
The outstanding amount is at least €400
This occurs during (and not before) the term of the company legal assistance insurance
You have already requested the payment in writing twice
There is no other collection agency working on it yet
You report this claim to DAS within 6 months after the invoice date
This is not about bankruptcy or suspension
The collection assistance is valid in the Netherlands