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Our specializations

"We are not only consultants in risk transfer, but also act as risk managers ourselves. Our approach is therefore to first understand and assess the risk situation and then develop a joint strategy that takes your risk appetite into account. Insurance is only part of the solution and our advice."

Our specialization

Focused on venture capital, private equity, growth companies,
life sciences and capital markets liability

We believe in consistent specialization in order to provide a market-leading service.
We only advise on risks and sectors that we really understand.

Insuring IPOs and capital market liability

Is your D&O ready to go public?
‍Involve
our expertise in the "insurance" stream at an early stage. We advise supervisory boards and management boards to avoid falling into liability traps during the IPO project. Even preparatory actions - even if the IPO is subsequently canceled or postponed - have a risk that needs to be covered.

Conventional D&O concepts and insurers often exclude this important component or require separate notification. When preparing the IPO prospectus, you will be supported by many advisors, lawyers, auditors and bankers in order to be able to map the complexity of an IPO at all. However, advisors like to "transfer" responsibility to the issuer by means of an indemnity agreement.

Suitable project cover in one policy: POSI cover
We have the right project cover via our Public Offering Securities Insurance (POSI) to cover almost all risks of the parties involved (including those that lie with the issuer via an indemnity agreement) on the project for the full liability and civil law limitation period.

Comprehensive stakeholder management under one policy, by the Management Board, Supervisory Board, (existing) shareholders (selling shareholders), issuer (company as a legal entity) and third parties, such as the banking syndicate, the auditors (own damage clause in the POSI insurance or comfort letter cover) and IPO advisors.

Being Public: Capital market liability for listed companies

Is your D&O on top of all your capital market risks?
‍Are
securities trading claims adequately covered? Adequately protected against shareholder lawsuits? KapMuG and US Class Actions are also a risk that should not be underestimated for ADR Level I-III, even for companies listed exclusively in Europe.

Laws and regulations on capital market follow-up obligations and the Market Abuse Regulation are just two of the potential stumbling blocks for claims by listed companies and their management. No decision-maker or controlling body wants to take on the risk of unlimited personal liability for executive bodies with their private assets.

Side C Coverage: Securities trading cover
Ask us about our special securities trading cover as part of D&O insurance for insured persons, board members and supervisory board members as well as a balance sheet protection clause for possible direct claims by investors and shareholders. We provide individual advice after analyzing your market cap, stock exchange and shareholder structure.

Shareholder Activism Protection Insurance (SAPI Coverage):
Protect against activist investors

SAPI insurance offers an insurance option similar in concept to cyber insurance to protect against activist investors or to actively counter this risk yourself. Depending on the maturity of your risk management, we determine the costs for you in relation to the added value of risk transfer as well as relevant assistance services.

Venture capital, private equity and fund managers as well as service providers in the industry

Responsibilities towards LPs and portfolio companies‍

The focus of venture capital activities ranges from start-up financing to advising management and playing an active role on supervisory or advisory boards. Similarly, private equity funds are involved in similar roles in buy-and-build, turnaround strategies, etc. in "liable" roles. This range of responsibilities entails very specific private and business risks that can lead to claims by third parties in connection with the performance or omission of these activities and for which appropriate protection is required.

Fast-growing startups and scaleups (pre-IPO)

Focus on growth with a conscious understanding of risk in all phases‍

Growth companies from Series B to E (to IPO) have to manage special requirements from investors and stakeholders with each financing round. The balancing act of liability fields becomes greater for all parties involved as the exit/IPO "approaches", not least because of long subsequent liability periods after the exit.

We understand the challenges in all growth phases and advise on protecting your personal liability with our special "D&O Growth" concept including a pre-IPO readiness check of the D&O insurance.

Life sciences companies and service providers in the sector

IPO planned? Take advantage of our Risk Partners IPO Flip-D&O Insurance at an early stage

Manager liability and personal liability for industry-specific requirements - adequately protect your Health & Safety Officers, Quality Officers (PRRC, Quality Director, QP), Radiation Protection Officers and others.

Patent protection (IP liability insurance) and cyber insurance for sensitive data.

Liability arising from clinical trials and test person coverage in phases I-IV.

Special public and product liability (incl. AMG and MPDG).

Our services

A holistic approach to risk management

We place identified and insurable risks on the global insurance markets for you in the best possible way. We know that this does not always solve all your challenges. Strong growth can lead to bottlenecks in the insurance department and/or a professionalization of risk management may be necessary. We can help you with this.

For listed corporations and SMEs

Rent-an-Insurance-Manager

We place identified and insurable risks on the global insurance markets for you in the best possible way. We know that this does not always solve all your challenges. Strong growth can lead to bottlenecks in the insurance department and/or a professionalization of risk management may be necessary. We can help you with this.

On the other hand, many companies do not (yet) have an insurance department with their own staff or cannot find suitable personnel. Above a certain size, your industrial risk and insurance issues require professional support to ensure that your investments and strategies are adequately protected. This is where we provide you with support tailored to your needs.

Building up your own staff to deal with your internal insurance issues is time-consuming and cost-intensive. This work is often carried out by the head of finance or legal, for example, but not by professionally trained insurance staff.

Our solution for your company: Rent-an-Insurance-Manager

  • Rent your "own" insurance department for a certain period of the year
  • Simply outsource the management and administration of insurance contracts
  • Reduce costs - increase security

Our "Rent-an-Insurance-Manager" concept allows you to hire core competencies in the field of insurance for a limited period of time and tailored to your needs, as if you had your own staff in place.

As an outsourced insurance department, Risk Partners manages and handles your company's insurance work, e.g. as an in-house contact for insurance issues, an interface to your insurance broker or to your insurers.

Your added value through Rent-an-Insurance-Manager:

  • Efficient use of personnel and costs. Existing processes are optimized while at the same time freeing up your internal resources in their specialist areas (legal/finance)
  • "Bookable on a temporary basis", for example if you have staff shortages during peak periods such as renewals or annual financial statements and need support at short notice
  • Saves time: freed-up capacity can be used in other core areas of your company
  • "Professional sparring" relieves and supports your existing team with a second opinion
  • Professional support for your insurance issues through the use of qualified insurance expertise
  • By increasing the quality of work, you also reduce risks for your management's liability

"We invest at least one day a month as a team to evaluate new approaches for the transfer of complex risks. Our proposals are discussed with our insurance partners. Research & Development is just as important for us as it is for our life sciences clients."

References

We let our work and our clients speak for us.

Blog / News

OLG Schleswig – Statute of Limitations for Liability Claims in the Case of Direct Claims in D&O Insurance

OLG Schleswig: Limitation of liability claims for direct claims in D&O insurance. There is a new, exciting ruling from the world of D&O insurance. We recently reported on the decision of the Higher Regional Court of Cologne in the context of direct claims. Now the Higher Regional Court of Schleswig has also made a groundbreaking decision. What was it about? The focus was on the question of the statute of limitations. However, it must be borne in mind that the question of limitation in D&O claims is not trivial.

Read more "

Finance Day 2024

Growth capital for biotechnology and life sciences - Finance Day 2024 A few days ago, Jutta and Florian from our team attended Finance Day 2024 at the analytica trade fair in Munich. The event once again offered exciting expert panels on current financing and capital market issues for life sciences companies. As the panels focused on three of our key consulting areas, namely life sciences, venture capital and IPOs, a visit was of course a must for us as a specialist insurance broker. Our team has

Read more "

Public prosecutor's office investigates: Suspicion of deception in short-time work (Sono Motors)

No startup bonus for criminal and administrative offenses. The incident and possible insurance coverage. As exclusively researched by the team led by Hannah Schwär from Capital Magazine, the founders of Sono Motors are now also threatened with problems with the public prosecutor's office. According to Capital Magazine, subsidy fraud is in the context of short-time work and the programs related to the Corona crisis. The company, which is listed on the NASDAQ via De-SPAC, was reported to the SEC

Read more "

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