Background: A fire in a bakery caused considerable damage, of which the fire insurance only covered part, justifiably due to the contractual conditions. (Note: We therefore recommend regularly documenting and reviewing the sums insured and the content of the insurance cover). The operator of the bakery claimed the remaining loss by holding the managing director liable for breach of duty. As a result, the managing director assigned his claim for indemnification under the D&O insurance policy to the company (see the attached diagram). D&O insurance usually covers a company's executives. In the event of a claim, claims must first be asserted against the insured person before they can be enforced against the insurer. This often results in complex and time-consuming liability and coverage disputes. In practice, the dispute is increasingly being conducted in direct proceedings by assigning the insured person's right to indemnification to the policyholder. This allows the policyholder to assert its claims directly against the insurer. The decision: In its ruling of 26.02.2024(case no. 16 U 93/23), the Higher Regional Court of Schleswig stated that this assignment of the right to indemnification constitutes a "truce agreement" (pactum de non petendo) was implicitly concluded. This agreement prevents liability proceedings against the managing director as long as the claim against the insurer exists and suspends the limitation period for statutory liability claims. The suspension under cover law by filing a direct action or a direct claim with the insurer therefore also suspends the statutory limitation period.