The sector right now

The insurance industry is characterised by increased competition both nationally and internationally, and the industry is facing still increasing regulation in a large number of areas.

This raises the bar for product development and handling of compliance issues, and new cooperation forms and consolidations, both in Denmark and across borders, also result in new legal challenges. 

To ensure profitability, increasing demands are made on companies' organisation and claims handling, and efficient and professional claims handling is an important competitive parameter, not least in liability cases.

How we can assist

Horten knows the business and its terms, and we provide top-level advice both in connection with transactions, transfers of portfolios, regulatory affairs, claims and disputes.

Our team consists of lawyers with strong skills within tort law and insurance, and we are likely to be the law firm in Denmark conducting most legal and arbitration proceedings concerning damages and insurance.

In the regulatory area, we have a unique position established through many years' advice in the public sector, and we are thus able to offer top level advice in relation to compliance, including processing of personal data, the provisions of the Financial Business Act, and on the special regulatory affairs applicable to transactions, transfers of portfolios, outsourcing and co-operation.

We advise Danish and international insurance companies, pension providers, insurance brokers and agents, public authorities, companies and financial institutions.

  • Liability

    Liability cases are often very complex, and handling such cases requires experience and professionalism. Liability is an important business area for Horten's insurance and liability team, and the team's members have wide experience in these types of cases. 

    We advise on e.g.: 

    • D&O
    • Auditors' and attorneys' liability 
    • Professional liability of advisers 
    • Liability in the financial sector 
    • General commercial liability and product liability 
    • Contract liability 
    • Environmental and pollution liability 
    • Prospectus liability 
    • Public liability
    • Maritime and transport liability
  • Property

    In line with globalisation and the general development of insurance solutions, the complexity of property insurance is increasing.

    Horten follows this development very closely, advising on:   

    • Drafting of insurance terms and special terms 
    • Property insurance and all risks insurance
  • Regulatory affairs and reinsurance

    The sector is to an increasing extent exposed to intensive regulation, and regulatory affairs play an important role in connection with operation, transactions and transfers of portfolios.

    We advise on e.g.: 

    • Reinsurance
    • Personal data and the rules on disclosure in the Financial Business Act
    • Insurance mediation
    • Cross-border issues
    • Fit & proper regulation
    • Investment and placement regulation. 

Our team

Christina Steen

Partner (H)

Horten ‘consistently delivers top-class, business-oriented advice’.

Legal 500