Product Development


We have been assisting our clients with their product development ever since the deregulation in 1994. Here, regulatory specifications must be observed just like the semi-statutory provisions of the insurance contract law and the requirements of the general terms and conditions law.


One of our core competencies is to formulate your general conditions of insurance (GCI). Our decade-long experience in the forensic assessment of the general conditions of insurance in individual and class actions, the involvement with completely new product designing and our close cooperation with our litigation teams results in unique solutions, taking into account the most recent developments and trends in case law.


The development of completely new products is part of our work just like the giving of second opinions on already existing GCI. We prepare GCI in electronic form to ensure an uncomplicated exchange of opinions with our clients. Changes that we deem absolutely necessary are entered in mark-up mode. We make recommendations for alternative formulations in form of separate comments, or we refer to special constellations (such as upcoming legal changes) in the footnotes.
This way, we can achieve customized and yet legally compliant insurance conditions that are developed into marketable end products while observing our client's specifications. We also assist our clients with their introduction of new or foreign products to the German market, and we check whether such foreign insurance products comply with German law.

Key Contacts


Dr. Joachim Grote

Theodor-Heuss-Ring 13-15
50668 Cologne
Tel  +49 221 944027-41
Fax +49 221 944027-906  


Dr. Reinhard Dallmayr

Karlstraße 10
80333 Munich

Tel  +49 89 545877-21
Fax +49 89 545877-77