Seamless security. Attractive combined product. Coverage tailored to specific needs. The MyRight.ch portal. Legal protection for self-employed persons

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1 Legal protection for self-employed persons Seamless security Legal disputes, whether private or job-related, don t just wear you down. They also end up costing a lot of time and money. The offers we ve designed for self-employed persons cover the major legal risks you will be exposed to as a business owner or private individual. Services Analysis of the legal situation Advice and representation in the areas of law that are insured Review of the prospects for the case Case handling by specialists Advice on the involvement of an independent lawyer Collection of any compensation awarded Access to MyRight.ch, the legal information portal Protection for individuals or the whole family Costs paid for Expert opinions Court fees and the costs of proceedings Fees of an independent lawyer (by prior agreement) Non-court costs awarded to the opposing party Mediation costs Translation costs Attractive combined product Coverage tailored to specific needs The MyRight.ch portal

2 Security in every case Whether you are a road user, private individual, vacationer, tenant, or self-employed person, AXA-ARAG provides professional legal representation in the event of a dispute and assumes any costs you may incur. Professional legal protection Every company faces a large number of potential risks that can result not only in a great deal of work and frustration but also in major expenses for attorneys and court time. A party who caused a loss refuses to pay damages. A social insurer (e. g. accident insurer) refuses to pay benefits. Your neighbors complain about noise pollution from your business and file a complaint. Personal and professional legal protection Personal legal protection As a private individual you will be insured as a tenant, owner-occupier, patient, or consumer as well as in other areas of your private life. Private legal protection insurance will assist you in the following areas: Civil damages law (incl. crime victims compensation) Criminal law Patient law Insurance law Labor law as an employee Landlord and tenant law as a tenant or leaseholder Lending law Contract law as a private individual or landlord Individual, family and inheritance law (advice) Property law Neighbor law The notebook computer you just bought doesn t work when you get home. The retailer claims that you caused the damage yourself. A married couple has been living for years in an old apartment building. The landlord suddenly informs them that the building is going to be renovated and that the rent will rise drastically as a result. Is the landlord acting within his rights? to per insured legal case, or up to with Supplementary coverage: Inclusion of other persons Inclusion of other real estate (in addition to your home) Legal protection for landlords (amount of insurance ) Legal protection for contracts Contracts play a central role in every business. If contracts are breached, a company can suddenly find itself in severe financial difficulties. A customer demands a reduction in the agreed price because he is dissatisfied with what has been produced. A delay in the delivery of materials leads to disputes with the supplier. to per insured legal case, or up to with Supplementary coverage: Your life partner s company Labor law as an employer (amount of insurance ) Commercial contract law (amount of insurance )

3 Legal protection for road users Legal protection for road users covers you as the owner or registered user of insured vehicles, as the driver or passenger in your own or a third-party vehicle, as a pedestrian, or as a passenger in a public or private means of transportation. Legal protection for road users will help you in the following areas: Civil damages law (incl. crime victims compensation) Criminal defense Insurance law Disqualification from driving Vehicle taxation Vehicle contract law Property law You drove through a red light and now face having your driver s license revoked. A speedster collides with an oncoming car while overtaking but denies all responsibility. There are no witnesses. to per insured legal case, or up to with Supplementary coverage: Inclusion of other persons Extended coverage for commercial vehicles and watercraft with an engine Aircraft with a takeoff weight of up to 5.7 tons Legal protection for travelers Legal protection for travelers offers you benefits in the following areas when traveling worldwide, either privately or on business: Civil damages law Criminal defense Patient law Landlord and tenant law Travel contract law The police are threatening someone with a jail term for a speeding offense in Australia. AXA-ARAG puts up bail in order to prevent the person from being put into pre-trial custody and arranges for a local attorney to handle the case. When returning a rental car in America, the rental agency claims there was damage to the car and imposes penalty charges. to per insured legal case, or up to with MyRight.ch, your legal information portal Do you need legal help? AXA-ARAG now offers online legal support for its customers. MyRight.ch offers you a wealth of options (available in German, French and Italian)

4 A clever combination Legal protection for travelers with worldwide coverage is included free of charge if you purchase Personal and professional legal protection and Legal protection for road users insurance as a package. Legal protection Plus An additional premium buys even better protection: Twice the guaranteed amount Needs-oriented extended coverage: e. g. for criminal, labor, building, and building contract law; for property law, and inclusion of legal advice in connection with divorce law. No benefit reduction in the event of gross negligence. Assumption of the costs of legal proceedings in relation to first-instance rulings under legal protection for road users for up to CHF 500 per year. Policyholders Legal protection for self-employed persons as sole proprietors can be purchased either as individual insurance or family insurance. The key factors determining coverage are sales (max. CHF 2 million per year) and salary (max. CHF 200,000). You can find additional information about the benefits in the General Insurance Provisions. Areas of law Contract law Labor law Tenancy law Travel law Family law / inheritance law Property law / real estate law Company law Liability law / insurance law Traffic law / criminal law Public building law Tax law Your advantages Download sample templates Draw up personalized contracts interactively Answers to standard legal questions Have a look at MyRight.ch Unrestricted access and downloads around the clock, user-friendly, reliable and up-to-date: Just log on and benefit!

5 Individual solutions for your protection Your requirements as a private individual and as an entrepreneur are complex and diverse. With legal protection for self-employed persons, you can choose additional modules that go beyond the basic options and enable you to match your insurance to your individual needs. Personal and professional legal protection Basic module Extended coverage: Labor law as an employer Commercial contract law Legal protection for landlords Additional individuals Additional properties Life partner s company Amount of insurance With legal protection Plus Legal protection for road users Basic module Extended coverage: Commercial vehicles and watercraft Aircraft Additional persons Legal protection for travelers Supplementary module to the combined product

6 Legal expenses insurance from AXA-ARAG ensures that you receive expert legal advice and protects you from the costs involved in legal disputes. This document is for information purposes only and not binding. WMIC C&P 2784 En AXA-ARAG Legal Protection Ltd Affolternstrasse 42 P. O. Box Zurich Telephone Fax AXA-ARAG.ch