Wilhelm Rechtsanwälte


"Know-how at the highest level": legal 500 ranking released


Liability expert and Former insurer ceo Jürgen Wolters joins Wilhelm


BGH Judgement on corona closures leaves questions unanswered




We are counsel to companies and their managers in complex matters – highly specialized, international and pragmatic.

About us

Our law firm specializes in insurance law and liability, criminal law and corporate law.

Advising in critical situations

We advise domestic and multi-national corporations, medium-sized companies, investors, shareholders and decision makers in critical situations – for example when facing a possible personal liability, when experiencing an unexpected loss or after a breach of law by an employee.

We analyze the respective situation and put up a team of experts. For this, we combine interdisciplinary expertise:

  • Damages and insurance
  • Dispute resolution
  • Restructuring and financing
  • Commercial criminal law and compliance

More than just legal excellence

We question accepted legal arguments and thus find new, sometimes controversial approaches. By combining specialized legal expertise with technical and economic know how, we find pragmatic and efficient solutions for our clients in challenging situations.








What others say:

“Brilliant minds who are very engaged and act strategically”. 

JUVE Handbook German Commercial Law Firms 2016/17

Recognised for its “efficient and structured approach and very high quality standards”.

The Legal 500 Germany 2019

“The firm is always excellent, precise and very flexible,” enthuses a client. Another client highlights the team's “extraordinary skills in solving complex cases”.

Chambers Europe Guide 2019










Our approach is international. We advise our multi-national clients for example on insurance and liability issues or on transactions connected to German law. Our firm handles matters in German, English, Russian and French.

Our network

In international projects and disputes, we work together with local law firms chosen by our clients. In many cases, we partner with a network of more than 200 lawyers specializing in insurance and liability at offices in Chicago, New York, London, Paris, Rome and Brussels.

Our teams support clients in complex matters in various jurisdictions worldwide:

  • Proceedings before courts in the US, UK and Continental Europe
  • Settlement of cross-border liability and coverage disputes
  • Optimization of international insurance programs
  • Advice on national company law, regulatory law and capital market law
  • Settlement of reinsurance disputes

We would be happy to advise you on the best choice of legal representation wherever around the globe you need support.











Our lawyers in Germany work at two offices:

Düsseldorf Office (seat):


Wilhelm Rechtsanwälte DüsseldorfReichsstraße 43
40217 Düsseldorf
Tel: +49 211 687746 26
Fax: +49 211 687746 20


How to find us (PDF)

Berlin Office:

Fasanenstraße 65
10719 Berlin
Tel: +49 (0) 30 . 81 72 732-0
Fax: +49 (0) 30 . 81 72 732-20



















































With their individual qualifications, experiences and specializations, our lawyers and employees together form a strong team.

Lawyers & Consultants

Dr. Mark Wilhelm, LL.M.

Dr. Mark Wilhelm, LL.M.

Lars Winkler

Lars Winkler

Felix Schaefer

Felix Schaefer

Dr. Fabian Herdter, LL.M. Eur.

Dr. Fabian Herdter, LL.M. Eur.

Dr. Friedrich Isenbart

Dr. Friedrich Isenbart

Magdalena Möhlenkamp

Magdalena Möhlenkamp

Tobias Wessel

Tobias Wessel

Petra Ruf

Petra Ruf

Dr. David Ulrich

Dr. David Ulrich, LL.M.

Alicia Verdugo Morales

Alicia Verdugo Morales

Valerie Steinwachs

Valerie Steinwachs

Andreas Shell

Dr. Andreas Shell

Verena Lee

Verena Lee

Raimund Mallmann

Raimund Mallmann

Jem Schyma

Jem Schyma

Johannes Laiblin

Johannes Laiblin

Michael Rausch

Michael Rausch

Dr. Jürgen Wolters

Dr. Jürgen Wolters

Th. Christian Jurascheck

Th. Christian Jurascheck

Bernd Guntermann, LL.M.

Bernd Guntermann

Christoph Manke

Christoph Manke

Dr. Mark Wilhelm, LL.M.

Dr. Mark Wilhelm, LL.M.

Dr. Mark Wilhelm

Lawyer (Rechtsanwalt)
Master of Insurance Law

Tel +49 (0)211 . 68 77 46-0

Dr. Mark Wilhelm specializes in insurance, reinsurance and liability. He advises national and multi-national companies and stock corporations as well as reinsurers and social insurance carriers on issues regarding liability and coverage. He offers legal, strategic and tactical advice to managers.

Dr. Mark Wilhelm advises on liability, coverage and complex insurance products.


  • Strategic and tactical advice on important management decisions
  • Prevention and protection against liability risks for companies and their managers
  • Claiming against and defending managers
  • Coordination of complex multi causal liability cases


  • Coverage disputes in commercial insurance
  • Issues regarding D&O insurance
  • Supervision / coverage counsel for reinsurers in international disputes
  • Run-off of insurance portfolios

Drafting/ development

  • Development of insurance products for special risks
  • Drafting of insurance contracts
  • Group insurance contracts
  • Financial reinsurance, ART, alternative financing

Dr. Mark Wilhelm worked several years for an international law firm. In spring 2006, he founded the law firm Wilhelm together with Lars Winkler. In the course of a post-graduate program of studies, he obtained the “Master of Insurance Law – LL.M.” He is a specialist solicitor (Fachanwalt) for insurance law.

Dr. Mark Wilhelm acts as a counselor in the field of negotiation. He gives lectures and seminars on this issue and is author of the book “Verhandeln im Schadenfall” (“Negotiation in the event of loss”).


Highly recommended in insurance law  (JUVE Handbook German Commercial Law Firms 2009/10 - 2015/16)

“Highly qualified and experienced“  (JUVE Handbook German Commercial Law Firms 2014/15)

“Combines ‘a comprehensive knowledge of the law, a quick grasp of issues and practical advice’“  (Legal 500 Germany 2016)

"Known for his experience in D&O and coverage matters. Sources commend his negotiating ability."  (Chambers Europe 2016)

Leading Lawyer in Insurance and Reinsurance Germany  (Expert Guides 2015)


Only a genuine counselor can give qualified advice.


Recent publications

Lars Winkler

Lars Winkler

Lars Winkler

Lawyer (Rechtsanwalt)

Tel +49 (0)211 . 68 77 46-0

Lars Winkler is Head of our Litigation-Team. He represents companies, public corporations and decision-makers to ward off claims or to assert damages or cover claims.

The first goal of our advice is always to find a pragmatic dispute resolution out-of-court. Often however, a judicial proceeding is inevitable. Our clients then profit from Lars Winkler‘s extensive trial experience and legal know-how in insurance and liability law, corporate law and labour law.


  • Representing clients in litigations and arbitration proceedings particularly with regard to liability and insurance matters
  • Representing clients in appeal proceedings including appeal against denial of leave to appeal
  • Representation before labour courts and social courts


  • Claiming against and defending managers and board members
  • Advice on issues regarding liability, employment and labour in critical business situations
  • Product liability law and product insurance law
  • Assessment and assertion of damages

Dispute resolution in further areas

  • Representation of companies in matters regarding the collective labour law (mergers, partial shut downs, section 613 a German Civil Code) 
  • Representation of social insurance carriers in disputes with third parties
  • Advice and representation of companies, board members and mangers in proceedings regarding individual labour law (e.g. protection against dismissal)

Lars Winkler worked several years as a partner for a medium sized law firm. In 2006, he founded the law firm Wilhelm together with Dr. Mark Wilhelm.

In 2012, the acquisition of the former Commerzbank subsidiary PJSC Bank Forum on which Lars Winkler and Dr. Friedrich Isenbart advised received the “Ukrainian Banker Award: M&A Deal of the Year” issued by the Ukrainian InvestGazeta.


Highly recommended in insurance law  (JUVE Handbook German Commercial Law Firms 2013/14, 2014/15, 2015/16)

Recommended in Litigation (Handelsblatt Best Lawyers 2016)

“Tough opponent in proceedings“  (JUVE Handbook German Commercial Law Firms 2014/15)

“Very good understanding of technologically difficult issues and their translation for the court”  (JUVE Handbook German Commercial Law Firms 2015/16)

"Lars Winkler is ‘very structured and analytical’ "  (Legal 500 Germany 2016)


“It is so easy to convert others. It is so difficult to convert oneself.” (Oscar Wilde)


Recent publications

Felix Schaefer

Felix Schaefer

Felix Schaefer

Lawyer (Rechtsanwalt)

Tel + 49 (0) 211 . 68 77 46-0

Felix Schaefer specializes in corporate and insolvency law. He advises companies and decision makers in critical business situations, for example in case of imminent insolvency or during corporate restructuring projects. He has extensive expertise in advising companies of the financial industry.


  • Advising managers on crucial decisions to avert liquidity crises
  • Advice on issues regarding insolvency law
  • Advice on capital market law


  • Drafting of group restructuring concepts
  • Development of financial reorganization strategies
  • Conception and transaction of mergers, takeovers and joint ventures

Before joining Wilhelm Rechtsanwälte, Felix Schaefer worked for several years as a partner with an international major law firm.




Dr. Fabian Herdter, LL.M. Eur.

Dr. Fabian Herdter, LL.M. Eur.

Dr. Fabian Herdter, LL.M. Eur.

Lawyer (Rechtsanwalt)
Master of European and International Business Laws

Tel + 49 (0) 211 . 68 77 46-50

Dr. Fabian Herdter specializes in insurance, reinsurance and liability. He supports our clients in asserting and enforcing liability claims as well as in fighting off defense claims. He represents clients in coverage disputes, particularly in D&O and fidelity insurance. Dr. Fabian Herdter further assists our clients in drafting and reviewing insurance programs and in developing and revising group insurance concepts.

Liability and coverage

  • Advising managers and executive boards in the event of expected claims
  • Representing managers and members of executive boards in liability disputes
  • Assertion and enforcement of coverage claims in commercial insurance on behalf of companies
  • Advising reinsurers on coverage issues and on how to enforce such claims

Insurance programs and insurance contracts

  • Optimization of international insurance programs
  • Identifying gaps in coverage in layer based insurance programs
  • Improving primary and excess cover (harmonization of insurance terms)
  • Improving co-insurance concepts
  • Drafting of insurance and reinsurance contracts
  • Review of insurance terms and conditions in order to avoid gaps in coverage

Group insurance

  • Drafting of group insurance concepts
  • Examination of existing group insurance contracts (liability risks, tax issues, suggestions for improvement)

Dr. Fabian Herdter obtained his doctorate on group insurance as a research assistant at the Institute for Insurance law in the House of Finance at the Goethe-University Frankfurt. He gave lectures at the Université Lumière Lyon and at the Open University Hagen. Dr. Fabian Herdter holds a Master of European and International Business Laws (LL.M. Eur.). He is business fluent in English and French. Before coming to Wilhelm, he worked as a lawyer in the practice group Insurance/ Reinsurance of an international law firm.


Highly recommended in insurance law  (JUVE Handbook German Commercial Law Firms 2015/16)

"Analytically outstanding"  (Legal 500 Germany 2017)

Rising Star in Insurance and Reinsurance Germany (Expert Guides 2015 and 2016)

Recent publications

Dr. Friedrich Isenbart

Dr. Friedrich Isenbart

Dr. Friedrich Isenbart

Lawyer (Rechtsanwalt)

Tel + 49 (0) 211 . 68 77 46-0


Dr. Friedrich Isenbart specializes in corporate law, compliance, regulatory and reinsurance law.

Dr. Friedrich Isenbart advises on domestic and cross-border transactions (asset and share deals) and on issues concerning capital market and regulatory law. He has particular expertise with transactions in the financial industry.

A further focus of his advice is on compliance and the organization of companies. He advises clients on the optimization of internal processes and structures as well as on the development of effective compliance systems. 

Dr. Friedrich Isenbart furthermore advises reinsurers in the context of major liability proceedings (litigation monitoring) and on coverage issues.


  • Domestic and cross-border M&A-transactions and private equity investments
  • Restructurings
  • Asset deals (esp. real estate and loan portfolios)


  • Assessment and optimization of processes and organizational structures
  • Design of compliance systems and advice on their implementation
  • Advice on compliance requirements

Regulatory and capital market law

  • Advice on Solvency II
  • Capital market law (esp. securities trading law, MiFID II)
  • Regulatory advice on transactions in the banking and insurance sector 


  • Advice in major (national and international) liability proceedings (litigation monitoring)
  • Advice on coverage issues under reinsurance agreements
  • Regulatory advice

Dr. Friedrich Isenbart worked with a major international law firm in the areas of corporate and restructuring as well as with a renowned German law firm specializing in banking law. He studied law in Osnabrück, Paris und Lausanne.

Dr. Friedrich Isenbart received the Financial Business Award 2014 and Law Award 2015 for Wilhelm Rechtsanwälte (both in the category Private Equity) issued by Finance Monthly Magazine. In 2012, the acquisition of the former Commerzbank subsidiary PJSC Bank Forum on which Lars Winkler and Dr. Friedrich Isenbart advised received the “Ukrainian Banker Award: M&A Deal of the Year” issued by InvestGazeta.

Dr. Friedrich Isenbart regularly publishes on issues concerning corporate, regulatory and reinsurance law. Besides the selection of recent articles listed below, he published among others the chapter “Anforderungen an Leitungsorgane und deren Mitglieder“ (“requirements for management bodies and their members”) in the book “MiFID II und MiFIR – Umsetzung in der Bankpraxis“ (“MiFID II and MiFIR – implementation in the banking practice“) and the commentary on sec. 43 German Limited Liability Companies Act (director’s liability) in the German Limited Liability Companies Act’s online commentary.

Recent publications

Magdalena Möhlenkamp

Magdalena Möhlenkamp

Magdalena Möhlenkamp

Certified Compliance-Officer

Tel + 49 (0) 211 . 68 77 46-57

Magdalena Möhlenkamp advises companies and decision makers on corporate and liability law.

Magdalena Möhlenkamp focuses among others on risk management and the design of compliance systems. Magdalena Möhlenkamp advises companies and decision makers on minimizing liability risks, for example in the context of transactions and investments or in critical situations of the company. In this context, she considers insolvency and insurance law issues.

Corporate law

  • Advisory of companies and decision makers on corporate design options
  • Preparation of decisions of managers and supervisory boards with regard to the prevention of personal and corporate liability
  • Restructuring and reorganization


  • Drafting and design of compliance systems
  • Assessment and optimization of processes and organizational structures
  • Advice on individual measures with regard to the avoidance of personal and corporate liability


  • Evaluation of liability potentials for board members and the respective D&O insurance coverage
  • Advising companies and decision makers in crisis
  • Advice of decision makers on (imminent) claims for damages

Magdalena Möhlenkamp studied law at the University of Passau and at the Rheinische Friedrich-Wilhelms University in Bonn. She passed a specialist language training for lawyers in English. During her legal traineeship, she worked with a leading corporate law firm specializing in property and liability law in New York City. She is certified Compliance-Officer (University of Muenster).

She is Vice President of the Supervisory Board of Bonn Conference Center Management GmbH (BonnCC).








































Tobias Wessel

Tobias Wessel

Tobias Wessel

Lawyer (Rechtsanwalt)

Tel + 49 (0) 211 . 68 77 46-29

Tobias Wessel represents clients in legal disputes, in particular in the area of property insurance law.

With his experience in litigation and out-of-court conflict resolution, Tobias asserts among others claims for damages or recourse and coverage claims or defends clients against unjustified claims. He has extensive knowledge and experience in property and technical insurances. He regularly represents insured companies against insurers to enforce claims arising, among others, from fire and business interruption insurance.

Litigation and settlement of disputes

  • Representation in court proceedings
  • Enforcement of claims (e.g. for damages or insurance payment)
  • Out-of-court representation and settlement negotiations to resolve disputes

Property insurance

  • Enforcement of insurance claims arising from property and technical insurance, e.g. machinery insurance, fire insurance, business interruption insurance and EAR insurance
  • Substantiation of damage caused by production stoppages, malfunctions and delay in start-up (e.g. of power plants or production facilities)
  • Advice on the drafting of insurance contracts for industrial and construction companies

Tobias Wessel studied law in Freiburg im Breisgau. During his legal internship, he worked with a nationwide law firm specializing in liability and insurance law and represented clients in numerous liability proceedings.


































Petra Ruf

Petra Ruf

Petra Ruf

Specialist Solicitor (Fachanwältin) for Insurance Law
Specialist Solicitor (Fachanwältin) for Banking and Capital Markets Law

Tel + 49 (0) 30 . 81 72 732-80

Petra Ruf advises clients in liability and insurance law as well as banking and capital markets law at our Berlin office.

Her focus is on out-of-court and in-court dispute resolution. She has many years of litigation experience and expertise in pragmatic conflict resolution. In particular, she has conducted a large number of successful proceedings before district and higher regional courts throughout Germany, especially in the areas of prospectus liability and professional liability.

She advises policyholders on insurance law, including claims from commercial property insurance and liability insurance.

Liability and insurance

  • Assessment and enforcement of claims, among others against managing directors, advisors and shareholders 
  • Advice and representation in coverage law disputes re commercial insurance (property and liability insurance)

Banking and capital market law

  • Liability law advise on investment models and capital market instruments
  • Enforcement of and defense against claims arising from prospectus liability and investment advice

Petra Ruf is a specialist solicitor for insurance law as well as for banking and capital market law. She studied law at the University of Konstanz. Before joining WILHELM, she worked for more than 10 years in medium-sized law firms and conducted a high number of proceedings in capital market and insurance law.



















































Dr. David Ulrich, LL.M.

Dr. David Ulrich

Dr. David Ulrich, , LL.M. (Kent)

Lawyer (Rechtsanwalt)

Tel + 49 (0) 30 . 81 72 732-40

As part of our Berlin team, Dr. David Ulrich advises clients on liability and insurance law.

One of his main focuses is directors' and officers' liability and D&O insurance. He represents decision-makers in defending liability claims and in coverage disputes against the D&O insurer. In this context, he also advises managers on issues of criminal law protection and in settlement proceedings of the German Federal Cartel Office. In addition, Dr. David Ulrich evaluates potential claims for damages against former decision-makers on behalf of companies and advises companies on the efficient settlement of claims.

Dr. David Ulrich also has extensive knowledge and experience in the areas of competition law and compliance. As a research assistant, he worked for major international law firms in the areas of internal investigations and antitrust law and was involved in negotiations with the German Federal Cartel Office as well as in the largest antitrust damages action in Germany to date.


  • Defending managers as well as claiming damages against managers
  • Advising companies on options for action after financial loss and compliance incidents
  • Advice on antitrust damages as well as competition law risks and antitrust compliance issues


  • Advice of decision makers on D&O-insurance matters and criminal legal protection insurance
  • Assertion of claims, in particular from liability and fidelity insurance

Dr. David Ulrich obtained his doctorate from the European-University Viadrina Frankfurt (Oder) on the subject "The direct claim against the D&O-insurer". He holds a Master in European and International Commercial Law from the University of Kent.





















Alicia Verdugo Morales

Alicia Verdugo Morales

Alicia Verdugo Morales

Lawyer (Rechtsanwältin)

Tel + 49 (0) 211 . 68 77 46-28

Alicia Verdugo Morales advises our clients on insurance law and liability law. She regularly clarifies matters of damages or coverage in the context of directors' and officers' liability and breach of fiduciary duty. She also contributes her expertise in criminal and labor law in order, for example, to be able to take coordinated action at all levels against damaging parties and responsible parties in cases of fraud or breach of trust.

She furthermore advises companies and their insurance brokers on the drafting of group-wide insurance concepts and on the structuring of insurance purchasing. 

Insurance and liability

  • Assessment of insurance claims, i.a. under D&O and fidelity as well as criminal expenses insurance policies
  • Asserting liability and cover claims
  • Examination and drafting of insurance programs and individual policies

Criminal law

  • Supporting companies in dealing with compliance incidents
  • Filing criminal charges against damaging parties, coordinating cooperation with investigative authorities

Labor Law

  • Advice of companies on labor law issues
  • Employment law advice to decision-makers in the context of breach of trust and directors' and officers' liability cases

Alicia Verdugo Morales studied law in Tübingen. Before being admitted as a lawyer, she had already spent two years with the law firm WILHELM as a research assistant and legal trainee working on major claims. In addition, she worked at the federal headquarters of a leading employees' association during her optional legal training and completed internships at renowned criminal law firms. She is fluent in English, French and Spanish.





















Valerie Steinwachs

Valerie Steinwachs

Valerie Steinwachs

Lawyer (Rechtsanwältin)

Tel + 49 (0) 211 . 68 77 46-14

Valerie Steinwachs is specialized in property insurance, product liability and product liability insurance.

She advises clients on product liability issues in connection with the production, inspection or further processing of defective products. She assists manufacturers and purchasers in defending or asserting product liability claims and gives advice on the legal aspects of product recalls. Valerie Steinwachs enforces claims against insurers under product liability insurance policies and recall cost insurance policies.

Following industrial damages such as factory fires, explosions or natural hazards, she examines coverage issues and asserts claims on behalf of our clients under fire and business interruption insurance policies, machinery insurance policies or assembly insurance policies.

She is also currently representing a number of restaurant and hotel owners in court to enforce claims under business closure insurance in connection with the Covid crisis.

Property Insurance:

  • Insurance law assessment of business interruption/loss of revenue damages and property damages
  • Advice on critical clauses and contract drafting in technical insurance and other industrial insurance policies
  • Representation of industrial policy holders in claims settlement against the insurer

Product liability and product liability insurance:

  • Defense against product liability claims arising from allegedly defective products
  • Preservation and assertion of recourse against third parties (e.g. suppliers)
  • Review and assertion of claims under product liability and recall cost policies

Why does Valerie Steinwachs pursue these above mentioned legal specialty areas? Already as a child, she accompanied her father, an industrial insurance broker, to inspect claims sites. Thus, she remained passionate about industrial insurance, chose it as her major and it subsequently became a focus of her studies.

During her legal traineeship in the Foreign Claims Department of the industrial insurer HDI in Chicago, she handled major claims of foreign companies in the U.S. (with a focus on product liability). During her legal traineeship with the law firm Wilhelm, she focused on major claims settlement.

Valerie Steinwachs holds both German and U.S. citizenship and grew up bilingually. She lived in France for two years during her studies, where she worked in the European Parliament, and is also fluent in French. 


Dr. Andreas Shell

Andreas Shell

Dr. Andreas Shell

Of Counsel

Tel + 49 (0) 211 . 68 77 46-0

As former Global Head of Claims with a multinational insurer, Dr. Andreas Shell is one of the leading experts in Germany for property insurance. After more than 25 years of experience in commercial insurance, Dr. Andreas Shell today advises reinsurers as well as insured companies on claims settlement and related insurance issues.

Policy holder advice

  • Supporting policy holders during claim settlement, in particular re the communication with insurers
  • Representation in negotiations with insurers and before international arbitral courts
  • Pre-contractual advice on individual risks and on drafting of property insurance policies

Re-insurance advice

  • External Claims Control Counsel (loss adjuster) re medium-sized and major insured events
  • Advising on cost-optimization in claims handling and on accumulation of reserves
  • Party representation in (re-)insurance arbitration

For many years, Dr. Andreas Shell was responsible for the settlement of major damages around the world at Allianz Global Corporate & Specialty (AGCS), for example coordinating the claims settlement across all lines after September 11, 2001. A special focus of his expertise is on property, energy and technical insurance.

Dr. Andreas Shell knows how insurers decide, argue and negotiate, which helps him advising insureds with complex major losses seeking cover.

He is fluent in English, French and Italian.













Verena Lee

Verena Lee

Verena Lee


Tel + 49 (0) 211 . 68 77 46-43

Verena Lee advises on insurance contract law as well as employment and corporate law.

She represents policyholders in coverage disputes regarding commercial insurance claims. She advises companies on all questions within the fields of liability insurance and property insurance.

Another focus of her expertise is on corporate law. She advises on management employment contracts and enforces claims arising from management contracts. 

Her advisory services comprise i.a.:

  • Evaluation of coverage claims from commercial insurance contracts and examination of objections by insurers 
  • Advice on intermediary liability and potential claims for damages arising from breaches of advisory duties
  • Enforcement of claims arising from property, liability and legal expenses insurance contracts before court and out-of-court
  • Assessing and optimizing of management contracts

Verena studied law in Cologne with a focus on insurance law and employment law as well as accompanying studies of US law. In addition to her studies, she managed the accounting and HR departments of three medium-sized companies in the real estate and healthcare sectors.

She completed a part of her legal clerkship at the Düsseldorf Chamber of Industry and Commerce. There she advised international companies, in particular from the USA, China and South Korea. In this context, she worked with the Korean Desk and the Ministry of Economic Affairs of North Rhine-Westphalia and attended meetings at the German Chamber of Commerce in Seoul, South Korea. She is fluent in English.























































Raimund Mallmann

Raimund Mallmann

Raimund Mallmann

Lawyer (Rechtsanwalt)

Tel + 49 (0) 211 . 68 77 46-34


Raimund Mallmann advises our clients on conflict resolution in liability and insurance law disputes.

A focus of his work is the representation of decision-makers in defending against claims for compensation. Our clients benefit from his additional expertise in corporate law, which he gained when working for a law firm specializing in corporate and tax law.

Liability defense

  • Defending managers against D&O liability claims, currently for example in connection with the Hypo Real Estate complex
  • Advising on aspects of corporate law and matters regarding employment law in the context of possible D&O liability

Insurance law

  • Representation of companies against insurers to enforce claims under business closure insurance policies
  • Assessment of claims for coverage, among others from commercial insurance and personal insurance policies

Raimund Mallmann studied law at the Universities of Bonn and Sevilla. He speaks English and Spanish fluently.

















Jem Schyma

Jem Schyma

Jem Schyma

Lawyer (Rechtsanwalt)

Tel + 49 (0) 30 . 8172732-10

At our Berlin office, Jem Schyma advises clients on liability and insurance law. He focuses on property and technical insurance as well as business interruption.

When an insured event occurs, Jem helps policyholders settle claims quickly by advising on how to comply with obligations and how to communicate with the insurer. He examines questions of insurance coverage, accompanies expert proceedings and represents clients in case of disputed issues with the insurer.

In product liability cases, Jem applies his insurance and technical expertise to clarify liability and coverage issues of manufacturing companies - e.g., to defend against third-party claims or to enforce cover claims under product liability and recall cost insurance policies.

Property and technical insurance

  • Clarification of the facts and coordination of expert proceedings after major incidents
  • Assessing insurance law issues, e.g. re breaches of obligations, allegations of gross negligence or the effectiveness of exclusions and other clauses
  • Negotiation and litigation to enforce insurance claims

Product liability

  • Advising manufacturers and customers in case defective products where distributed
  • Defense against or enforcement of liability claims
  • Solving legal problems relating to product liability coverage

Jem studied law at the Humboldt University of Berlin. During his legal clerkship (among others with our law firm), he specialized in insurance law. In addition to his work as a lawyer, he is currently completing a master's degree in insurance law at the Technical University of Cologne. Further, he regularly publishes expert articles on current insurance law issues in his own column in FOCUS Money together with Malte Krohn. Jem speaks English and French.





























Johannes Laiblin

Johannes Laiblin

Johannes Laiblin

Lawyer (Rechtsanwalt)

Tel + 49 (0) 211 . 68 77 46-0

Johannes Laiblin advises our clients on insurance law and corporate law matters:

Insurance law

  • Assessment of insurance terms and conditions after property and liability damages
  • Conflict resolution in coverage disputes with the insurer

Corporate law

  • Advice on corporate law measures, incorporations, changes of legal form, mergers, etc.
  • Assessment of liability claims against current or former managing directors

Johannes studied law in a combined degree program "Unternehmensjurist [Corporate Legal Counsel] LL.B." at the University of Mannheim. During his studies, he worked for a major international law firm and was able to gain experience in the advice on infrastructure projects (e.g., structuring public-private partnerships) as well as in compliance (here, in particular, in internal investigations).

During his legal clerkship, Johannes worked i.a. as a research assistant in our firm and assisted in the resolution of disputes about insurance cover. In this context, he also published on issues of business closure insurance in the journal VersR.




















Michael Rausch

Michael Rausch

Patent Attorney, Of Counsel

Tel + 49 (0) 211 . 68 77 46-0
Mobile +49 (0) 172 2009370

As part of our practice group Corporate & Compliance, patent attorney Michael Rausch advises companies on all aspects of intellectual property.

One focus of his advice is the comprehensive identification and protection of our clients' intellectual property rights and the inclusion of such rights as an asset in transactions or investments. Our joint services comprise:

  • Collecting and evaluating intangible assets (such as patents, industrial designs, trademarks, as well as developments, constructions or licenses) of companies in preparation of transactions and financing rounds
  • IP risk management: advice on the coverage and insurance of intellectual property rights, e.g. through warranty insurance and patent protection insurance
  • Support in design, trademark and patent application and advice on avoiding trademark or patent disputes with third parties
  • IP-legal due diligence in the context of M&A projects

Michael has been working as a patent attorney for national and international companies for more than 30 years. He is authorized to represent clients before all intellectual property authorities in Germany and the EU (German Patent and Trademark Office, German Federal Patent Court, German Federal Supreme Court as appellate instance for the German Federal Patent Court, European Patent Office, EUIPO, World Intellectual Property Organization).

Prior to his legal studies in Munich, Michael studied aerospace engineering and was then responsible for the maintenance and repair of aircraft 
































Dr. Jürgen Wolters

Dr. Jürgen Wolters

Dr. Jürgen Wolters

Lawyer (Rechtsanwalt) / Of Counsel

Tel + 49 (0) 211 . 68 77 46-43

Dr. Jürgen Wolters is an expert in liability and financial lines. As Of Counsel to our law firm, he represents companies and decision-makers in dispute resolution and advises on issues such as the drafting of commercial insurance policies.

Dispute resolution / Litigation

  • Assertion of and defense against claims for damages (liability)
  • Clarification of liability issues of managers (D&O liability and insurance)
  • Negotiations with insurers and third parties to settle industrial claims (liability, property, cyber)
  • Legal representation in proceedings before regional (LG) and higher regional (OLG) courts


  • Insurance law advice on all questions of pecuniary loss liability
  • Drafting of coverage concepts and insurance terms for complex liability risks of the industry
  • Drafting and negotiation of insurance contracts for property and liability policies
  • Insurance supervisory law advice
  • Strategic advice to the insurance industry (insurers, brokers, insurtechs, captives, etc.)

Dr. Jürgen Wolters has many years of experience and expertise in liability and insurance law – including as a partner in commercial law firms. He was also a member of the supervisory board as well as of the executive board – at times as chairman of the executive board – of a German insurance company specializing in private and commercial risks.

Dr. Jürgen Wolters is also a co-founder, former chairman and honorary member of the German Society for Property Damage Liability (Deutsche Gesellschaft für Vermögensschadenhaftpflicht e.V.). He holds the title of a specialist solicitor for insurance law and speaks fluent Italian and English.


Recommended in Insurance Law (The Legal 500 Germany)























Th. Christian Jurascheck

Th. Christian Jurascheck

Th. Christian Jurascheck

Lawyer / Of Counsel

Tel + 49 (0) 211 . 68 77 46-28

Th. Christian Jurascheck advises and represents companies and private persons in all areas of commercial criminal law (and tax criminal law) in and out-of-court. He furthermore advises businesses on how to avoid compliance violations by employees.

Th. Christian Jurascheck has comprehensive experience and expertise in navigating clients through complex investigation proceedings and in defending clients in white collar crime trials.

He also coordinates internal investigations following suspected compliance breaches and helps to develop and optimize compliance management systems.


  • Individual defense in investigations and criminal proceedings
  • Defense and advice regarding disgorgement and fines
  • Criminal tax and customs proceedings, corruption criminal law, money laundering, insolvency criminal law

Compliance and Advisory

  • Internal Investigations (in suspected cases)
  • Conducting interviews with employees
  • Research and evaluation of files, emails and other digitally stored data
  • Development of compliance management systems
  • Advice on voluntary disclosures (tax related)
  • Selection and coordination of further specialists 

Th. Christian Jurascheck is available at short notice with his strategic procedural experience to provide advice also in time-critical situations – for example during searches by public prosecutors.














































Bernd Guntermann

Bernd Guntermann, LL.M.

Bernd Guntermann, LL.M.

Lawyer (Rechtsanwalt)
Master of Laws (Commercial Criminal Law)

Tel +49 (0)211 . 68 77 46-0

Bernd Guntermann specializes in commercial criminal law and tax criminal law.

He supports and represents decision makers during preliminary proceedings and in lawsuits. In addition to the defense of individuals, he coordinates the simultaneous defense of multiple board members or employees on behalf of their company. He works closely with our practice group D&O Liability and Insurance in order to resolve civil and criminal law-related liability issues comprehensively.

Bernd Guntermann advises companies in critical business situations, for example during internal investigations prior to possible preliminary proceedings. Furthermore, he helps clients avoiding risks concerning commercial and tax criminal law. He advises board members and company owners on the development and optimization of compliance programs.

Defense and representation

  • Individual defense of decision makers and private individuals
  • Coordinating the simultaneous defense of several board members
  • Defending companies in cases of disgorgement and company fines
  • Defense in criminal proceedings regarding tax and customs law
  • Corruption and proprietary criminal law, insolvency criminal law
  • Immediate support in cases of search or arrests: +49 172 2042798

Advice and development

  • Internal investigations
  • Drafting and evaluation of compliance systems
  • Criminal due diligences in the course of transactions
  • Compliance and advice for real estate and investment companies
  • Advice during critical tax audits
  • Advice on voluntary disclosures

Bernd Guntermann works as an Of Counsel with Wilhelm Rechtsanwälte. He holds a Master in Commercial Criminal Law and is a specialist solicitor (Fachanwalt) for tax law as well as for commercial and corporate law.


Christoph Manke

Christoph Manke

Christoph Manke

Public Relations

Tel + 49 (0) 211 . 68 77 46-0

Christoph Manke works with Wilhelm as communication consultant specializing in crisis communication and litigation PR. He advises our lawyers on all aspects of public relations. Christoph Manke coordinates legal strategies and the accompanying external communication. He cooperates closely with our clients' communication departments and the legal counsels.

By planning all communication strategically and by keeping close and cooperative contact to the relevant journalists, Christoph Manke offers important support to clients in various situations:

Crisis communication

  • Development of communication strategies to help resolve a crisis
  • Adressing the media actively (press releases, press conferences) 
  • Development of wordings (Q&As) 

Litigation PR

  • Implementation of accompanying PR measures supporting the litigation
  • Coordination of the litigation strategy with the public relations strategy
  • Monitoring and analysis of media coverage

Before joining our firm, Christoph Manke worked as a PR consultant in a leading German PR agency focusing on corporate, financial and crisis communication. He works with various journalists and PR experts.

Christoph Manke is contact person for all press inquiries regarding our firm’s work.





Nicole Hörnke

Christina Schulz

Christina Schulz

Karolina Absalon

Karolina Absalon

Janina Reuschenbach

Janina Reuschenbach

Nadine Grosch


Melissa Seifialou



Katy Kessing

Certified and authorized translator for the English language
Certified interpreter for the English language


On behalf of our clients, Katy Kessing translates documents, opinions, contracts, certificates, judgments and mandate-related correspondence. Besides, she translates the publications of our lawyers into English. You find these translations on our homepage. The close cooperation with lawyers and partners responsible for the mandate, allows a parallel resp. prompt preparation of translations in the process of the current mandate.

Katy Kessing is a certified and authorized translator for the English language and a certified interpreter German-English. She studied Economics with an international focus. Before joining Wilhelm Rechtsanwälte, Katy Kessing worked in the industry and in international consultancy. She has profound economic and legal knowledge which she uses for her translations.













We are always looking for qualified and dedicated

Lawyers (m/f)

You have successfully completed your studies with results above-average and you are experienced in German insurance law and/or company law? We look forward to hearing from you. We appreciate additional qualifications such as a PhD or a Master.

Please send your application to:

Wilhelm Rechtsanwälte

Partnerschaft von Rechtsanwälten mbB
Reichsstraße 43
40217 Düsseldorf
Tel: +49 (0)211-68 77 46-0
Fax: +49 (0)211-68 77 46-20
E-Mail: bewerbung@wilhelm-rae.de


Young lawyers are invited to get an insight into our work as

Legal Researchers (Referendare) (m/f)

You have completed your first exam with success and are interested in working independently on issues regarding insurance, liability and corporate law?

We look forward to receiving your application:

Wilhelm Rechtsanwälte

Partnerschaft von Rechtsanwälten mbB
Reichsstraße 43
40217 Düsseldorf
Tel: +49 (0)211-68 77 46-0
Fax: +49 (0)211-68 77 46-20
E-Mail: bewerbung@wilhelm-rae.de



We find solutions for critical situations by combining specialized expertise in insurance, liability, criminal law, and corporate law.


We are counsel to insured companies, direct insurers and reinsures, captives and brokers. Our lawyers draft insurance policies, resolve coverage disputes and advise on reinsurance, social insurance and on regulatory matters.

Insurance programs and contracts

Our lawyers draft and revise insurance terms and optimize complex multi-national insurance programs.

Risk assessment and insurance cover

  • Identification of company risks (risk map)
  • Disclosure of coverage specifications
  • Review and negotiation of insurance concepts

Drafting and improving contracts

  • Revision of insurance terms
  • Drafting contract clauses (e.g. exclusions and obligations)
  • International coverage concepts for complex risks associated with cross-border projects (e.g. warranty & indemnity insurance, supply chain interruption)
  • Group insurance

Compliance and tax

  • Design of multi-national insurance programs including solutions for non-admitted countries
  • Optimization of international tax allocation
  • Review of coverage concepts of multi-national companies and their subsidiaries worldwide
  • Advice on tax issues regarding captives, ART, reinsurance


Coverage disputes

Complex insurance cases often lead to disputes between policy holders, insurers and reinsurers. Together with our clients, we achieve economic settlements in and out of court.


  • Fact finding and detailed assessment of loss  
  • Clarification of coverage issues such as
    • effectiveness of exclusions
    • breaches of contractual obligations / warranties
    • consequences of cancellation or rescission/avoidance of contract
  • Strategic planning (cost ratio, decision models)

Dispute resolution

  • Representation in settlement negotiations (out of court)
  • Representation in court proceedings with respect to coverage issues
  • Representation in arbitration proceedings


D&O insurance

D&O cases are difficult to handle without specialized lawyers. We support our clients in drafting D&O contracts and represent them when it comes to disputes.

Contractual issues

  • Drafting of D&O contracts and identification of coverage gaps in existing policies
  • Advising the management on D&O issues, e.g. upon conclusion of management employment contracts

Dispute resolution

  • Strategic planning and coordination of liability and coverage proceedings
  • Identification of possible implications on coverage resulting from liability issues
  • Consideration of non-legal aspects such as public relations, “political” consequences for the involved parties, de-escalation
  • Settlement negotiations and assessment of possible options to simplify the resolution (e.g. by assignment of the insurance claim)
  • Representation in and out of court


Captives & ART

Seeking (direct) insurance cover is just one element of risk transfer. We support companies in the development of alternative risk transfer models such as financial reinsurance, self-insurance or self-retention.

Evaluation of portfolios and opportunities

  • Optimization of risk identification systems and risk transfer
  • Insurance portfolios cost optimization through self-retention and further instruments
  • Tax optimization of group insurance concepts
  • Cooperation with our network of actuaries, technical experts, brokers and reinsures

Product development

  • Combination of self-retention, self-insurance solutions, reinsurance and capital market instruments in order to achieve a comprehensive concept  
  • Advice on the cost-effective use of captives (i.a. outsourcing), on the respective corporate structures and on regulatory requirements for captives (e.g. Solvency II)
  • Support of captive brokers in drafting fronting, reinsurance and retrocession agreements



We are counsel to reinsurers in disputes on coverage and in arbitration proceedings. Our team further advises on the handling of major risks, on the drafting of agreements as well as on reinsurance regulatory matters.

Drafting concepts and agreements

  • Drafting of coverage concepts between captives and reinsurers
  • Development of coverage concepts for risk portfolios and for major risks
  • Drafting of reinsurance and retrocession agreements


  • Assessment and implementation of run-off/insurance business
  • Disputes on coverage between insurers and reinsurers as well as retrocessionaires
  • Representation in settlement negotiations as well as in international arbitration proceedings

Reinsurance regulatory

  • Advice on regulatory matters regarding reinsurance
  • Solutions for financial reinsurance projects
  • Advice on issues falling into the scope between insurance supervision and capital market supervision



Our legal services help insurers comply with ever stricter regulatory provisions in a challenging environment.

Insurance products

  • Development of new products and sales channels
  • Assessment of the existing insurance business (including run-off) in order to comply with changing regulatory requirements (insurance law, capital market law, distribution law)

General regulatory requirements

  • Advice on Solvency II and related corporate government requirements in Germany
  • Representation in negotiations with BaFin
  • Advice on tax compliance (i.a. FATCA compliance)


Social insurance

We advise and represent social insurance carriers and their organizations on administrative and financing matters as well as on mergers, outsourcing and liquidation.

Drafting concepts

  • Restructurings, mergers or outsourcing projects of social insurance carriers
  • Drafting and review of articles and administrative acts as well as of remuneration systems and management employment contracts

Dispute resolution

  • Representation in administrative and budgetary matters vis-à-vis the German Federal Insurance Authority (Bundesversicherungsamt) and the Federal Cartel Office
  • Representation in disputes on social law matters

Further fields of law and social insurance

  • Advice on further legal issues with regard to the special legal framework for social insurance carriers
  • Advice on corporate, tax and labour law matters
  • Mergers
  • Outsourcing
  • Closing and liquidation of social insurance carriers




























We help companies and their management avoid liability risks and resolve disputes. Our lawyers represent clients in settlement negotiations as well as in proceedings before domestic and international courts and arbitration tribunals.

Minimizing liability risks

In order to prevent damage claims and conflicts, we assess liability risks and advise on critical issues.

Risk assessment and advice

  • Identification and minimization of personal liability risks
  • Advising managers in critical situations
  • Assessment of a company’s liability risks and identification of possible gaps in insurance coverage

Drafting contracts

  • Drafting of contracts, of general terms and conditions, of articles and of management employment contracts
  • Representation in contract negotiations with business partners


Dispute resolution

Our lawyers negotiate and litigate on behalf of our clients to achieve efficient dispute resolutions.

Damage settlement

  • Settlement of major industrial damages, e.g. in mechanical engineering and construction, in the energy industry, building industry, electronics industry or in chemicals and pharmaceuticals
  • Settlement of financial losses (D&O liability, professional liability of lawyers, tax consultants, architects (construction management) or physicians)

Negotiation and litigation

  • Strategic planning under consideration of the consequences of liability disputes for the client’s insurance coverage
  • Representation in negotiations out of court; litigation before courts and arbitration tribunals
  • Identifying and safeguarding recourse claims
  • Litigation monitoring (monitoring and analysis of pending court proceedings)


D&O liability

Mistakes made by managers can have severe consequences both for the company and for the person responsible. We advise and represent clients in D&O matters.

Advice and development

  • Advising managers on how to minimize personal liability risks when making important decisions
  • Drafting of management employment contracts and adjustment of D&O insurance coverage to personal liability risks
  • Assessment of possible claims against former or current board members and managers

Assertion of claims and defense

  • Assertion of claims in and out of court under consideration of the consequences for the manager’s D&O insurance claim
  • Defending managers against unjustified damage claims
  • Examination of possibilities for the insured person to assign insurance claims to the company


Product liability

We advise manufacturers, distributors and customers on product liability and help settle damages caused by defective products.

Risk minimization

  • Supporting manufacturers especially from the chemical and pharmaceutical industry, automobile industry and electronics industry to avoid product liability risks
  • Assessment and improvement of internal product security compliance under consideration of industry specific and product specific obligations (e.g. Machinery Directive, Pharmaceutical Products Act)

Claims settlement

  • Fact finding in cooperation with our network of technical experts
  • Defending manufacturers or distributors against claims and safeguarding recourse claims
  • Advice on coverage issues under product liability insurance, recall insurance and business interruption insurance in connection with the damage
  • Advice on complex product liability cases in the United States (e.g. class action) and coordination of litigation (the trial attorneys of our US partner firm Clausen Miller have extensive experience in jury trials)


Trade and supply chains

International trade is characterized by complex cross-border facts and legal issues. We settle claims and resolve disputes.

Risk minimization

  • Identification of supply chain risks and of possible gaps in insurance coverage (business interruption insurance, transport insurance, etc.)
  • Drafting contracts which make clear provisions for performances and deadlines, for guarantees and warranties as well as for limitations of liability
  • Advice on choice of law and place of jurisdiction for individual trade or supply relationships

Settlement of cross-border damages

  • Assertion of claims for performance of contract, substitute performance or compensation before German and foreign courts as well as before international arbitration tribunals
  • Defending clients against unjustified claims and safeguarding of recourse claims



The settlement of losses in transit is difficult when multiple liability regimes and legal systems have to be considered. Our lawyers assist clients in settling claims and help minimize risks.

Advice and development

  • Review and drafting of contractual agreements (among others freight and charter contracts, shipping contracts)
  • Coordination of purchase contracts and transportation contracts in accordance with the UN Sales Convention and international commercial law
  • Advice on the scope of international agreements
  • Advice on (transportation) insurance issues


  • Litigation before domestic and international courts on behalf of plaintiffs or defendants
  • Assessment of risks and costs conntected to litigation before foreign courts
  • Safeguarding recourse claims
  • Representation in customs matters vis-à-vis authorities




















Our Corporate Team advises companies, insurers, investors, shareholders and managers. We support our clients in transactions, restructuring and reorganization. We draft effective compliance programs and help avoid white collar crime risks.

Mergers & Acquisitions / Private Equity

Whether merger, joint venture, takeover or outsourcing: we support our clients from the beginning of a transaction up to closing.

Equity participations

  • Legal due diligence
  • Drafting of contracts
  • Negotiations with contract partners, investors and banks
  • Management-Buy-Out/Management-Buy-In
  • Award for “Ukrainian M&A-Deal of the Year 2012“ (acquisition of PJSC Bank Forum by an Ukrainian investor from Commerzbank AG) 

Financing, risk hedging and related issues

  • Financing and tax law
  • Issues and disputes with regard to labour law
  • Antitrust law and representation vis-à-vis authorities (German Federal Cartel Office, European Commission, Federal Financial Supervisory Authority – BaFin)
  • Post merger integration and representation in post merger disputes
  • Minimization of transaction risks and risk transfer through insurance

Further transactions

  • Mergers, split-offs and spin-offs
  • Joint venture agreements
  • Reorganization of corporate structures
  • Outsourcing
  • IPOs


Crisis and restructuring  

Business crises have complex causes and effects which imply significant liability risks for the management. We support shareholders, managers and companies in resolving the crisis.

Identification and prevention of critical situations

  • Early identification of critical situations
  • Avoiding or eliminating the insolvency or liquidity crisis
  • Development and implementation of temporary measures
  • Cooperation with an interdisciplinary network of business experts, psychological experts and communication consultants

Restructuring and reorganization

  • Drafting and implementation of long term reorganization concepts
  • Negotiations with banks, authorities, business partners and investors
  • Reorganization of internal processes and structures to avoid future crises
  • Helping executives avoid personal liability and criminal proceedings

























































































Criminal Law

We defend companies and decision makers in proceedings regarding commercial and tax criminal law. We advise on risks concerning white collar crime and support in case of internal compliance violations.

White collar crime

As criminal defense lawyers, we represent board members and private individuals. On behalf of companies, we coordinate the simultaneous defense of several decision makers.

Defense and representation

  • Defending decision makers and private individuals in criminal proceedings
  • Coordinating the simultaneous defense of several board members
  • Defending companies in cases of disgorgement and company fines
  • Specializing in corruption, embezzlement, fraud and insolvency related criminal law
  • Immediate support in cases of search or arrests: +49 211 687746-70


  • Assessment of possibly illegal matters within the company
  • Criminal due diligences within the course of transactions
  • Helping to avoid risks concerning commercial criminal law in critical business situations


Tax criminal law

Our lawyers advise on issues concerning customs as well as tax criminal law and represent clients during preliminary proceedings.

Defense and representation

  • Defense in criminal proceedings regarding tax and customs law
  • Defending tax advisors against the allegation of participating in tax evasions committed by their client
  • Immediate support in cases of search or arrests: +49 211 687746-70

Advice and development

  • Advice during critical tax audits
  • Drafting of legally compliant and economically viable business structures (tax compliance)
  • Advice on voluntary disclosures
  • Advising tax advisers on liability prevention  



Violations of statutory provisions and internal regulations have economic and judicial consequences. We develop compliance programs and help to solve issues arising from compliance violations.

Conception and design

  • Conception of lean and effective internal compliance organizations
  • Drafting of guidelines as well as of information and notification structures
  • Assumption of responsibilities by our lawyers (e.g. as ombudsman)
  • Evaluation (audits) of existing compliance programs and adjustment of structures in case legal or factual conditions change


Advice in case of compliance violations

  • Supporting during internal investigations
  • Initiation of measures regarding criminal law, labor law and further civil law
  • Examination and assertion of coverage claims under D&O or fidelity insurance
  • Advice on the cooperation with investigation authorities















































































We take a stand on topical market developments, recent judgments and new legislation.


25 April 2019

Insurance Litigation in Germany 2019

In its 4th edition Dr. Fabian Herdter and Christian Drave again explain how insurance coverage disputes are litigated and settled in Germany today  

Insurance Litigation 2019 is a publication by the British Law Business Research Ltd. from its series Getting the Deal Through. In addtion to our contribution regarding the German market, the editors present insight into crucial contentious insurance issues in major jurisdictions around the world. 

The full guide with insurance litigation reviews of 20 countries is accessible (paywall) on www.gettingthedealthrough.com 


18 October 2018

Restoration after insured events: How to deal with disputes about the reimbursement of cost

Article by Cäsar Czeremuga in unternehmermagazin 3-4/2018  

Fires in a company are one of the major business risks. Damage to buildings, machinery and raw materials can quickly go into the millions, with the usually associated loss of production posing a huge threat to a company’s survival. Risk management in companies therefore includes the transfer of risk to insurers.

If an insured event occurs, it becomes apparent that the indemnification depends on many disputed issues, but in particular on the claims management of the company, as Cäsar Czeremuga points out in his article for the German monthly unternehmermagazin


10 September 2018

Security provisions and property insurance cover under German law

Article by Cäsar Czeremuga in Versicherungspraxis 09/2018  

Under German insurance law, insureds have to comply with security provisions. Any circumstance that might help the insurer claim a breach of such obligation endangers insurance cover, as Cäsar Czeremuga shows in his article.


22 August 2018

Liability limitations under German law and consequences for the D&O-insurance

Article by Dr. Fabian Herdter und Dr. Friedrich Isenbart in Versicherungspraxis 08/2018  

Liability limitations and exemptions from liability are a common tool under German law to reduce the liability risks of directors and officers.

Fabian Herdter and Friedrich Isenbart explain how such instruments work and how they effect D&O insurance cover.



11 April 2018

The particularities of project insurance under German insurance law

Article by Christian Becker in Versicherungspraxis 04/2018  

In his article, Christian Becker explains how project insurance policies are structured in Germany. 


Firm news

10 November 2022

WILHELM awarded with European Captive Award

In the course of the European Captive Forum 2022 in Luxembourg, our firm received the "European Captive Award" in the category "Legal Services".

With this category, the judges (risk managers from major European captives) recognizes Europe's leading law firms in captive consulting for their work in insurance, corporate and regulatory law. WILHELM is the first German law firm to receive the title.

The WILHELM team advises captive owners and decision-makers, among other things, on the corporate law design of captive solutions as well as on insurance contract and regulatory issues in risk transfer. The team also regularly advises insured companies and their captives on handling major claims.

For more information on the award, pleas visit: awards.captivereview.com


6 May 2022

"Know-how at the highest level": The Legal 500

In its 2022 edition The Legal 500 Ranking again lists WILHELM as a tier 2 firm in insurance dispute resolution.

The editors quote clients stating:

‘In my view, the focus on representing the injured party and not the D&O insurance is unique. The law firm acts with two very experienced lawyers and has a very good eye for what is feasible. I really liked the collaboration; in particular, it led to a result that exceeded expectations.’

‘The specialization in certain subject areas (liability, insurance, etc.) leads to a high quality of the service provided. Works are always fully usable for practice. Due to the clear positioning on the side of the policyholder, it is always clear whose side the law firm is on. This helps!’

‘For Dr. Herdter, Lars Winkler and Dr. The same applies to Wilhelm: Extremely good and quick comprehension; solution-oriented suggestions and clear statements so that you know where you stand; on-time delivery; Know-how at the highest level, so you simply feel “in good hands”; Ability to adapt to extensions/changes at short notice. Extensive expertise in insurance law.’

Please visit legal500.com for the full ranking.


2 May 2022

Liability expert Dr. Jürgen Wolters joins WILHELM

Attorney Dr. Jürgen Wolters (56) will join the team at WILHELM Rechtsanwälte in Düsseldorf as Of Counsel on May 1, 2022. The specialist lawyer for insurance law brings with him experience and expertise in the settlement of liability and financial losses.

"Jürgen Wolters is a proven expert in all liability and insurance issues as well as a seasoned consultant with a broad network and outstanding reputation within the German insurance industry. We are very much looking forward to working together," comments Dr. Mark Wilhelm. As a consultant at WILHELM, Wolters complements the practice groups litigation and insurance law at the law firm's Düsseldorf headquarters.

As a long-standing partner of the commercial law firms Bach Langheid Dallmayr (BLD) and most recently Heuking Kühn Lüer Wojtek (since 2018), Wolters advised clients in particular on the topics of financial lines and liability insurance. From 2011 to 2017, he was also part of the management of the insurer Die Haftpflichtkasse VVaG - initially on the supervisory board, from 2016 on as a member of the board of directors and later as its chairman. In addition, he headed the German Society for Liability Insurance (DGVH e.V.), which he co-founded, for several years.

"What I particularly like about the new task is the change in perspective to advice that focuses on policyholders," explains Wolters. “I would like to focus on the defense against liability claims. Thus, I remain the contact person for insurers and policyholders alike on this topic.” In addition to dispute resolution, Wolters will advise insured companies, insurance brokers, insurtechs and insurers at WILHELM in the future on the design of insurance conditions and special coverage as well as on supervisory law and management issues.

Wolters is not the first former decision-maker from the insurance industry to join WILHELM Rechtsanwälte. Since 2017, the former global Head of Claims of the insurer Allianz Global Corporate & Specialty (AGCS) Dr. Andreas Shell works for WILHELM as Of Counsel in the area of ​​major claims settlement.


24 March 2022

"The law firm Wilhelm is renowned for its expertise in complex insurance disputes": Chambers

In the new Chambers Europe Guide, WILHELM is again ranked as one of the leading inaurance law firms in Germany.

The editors state:

The Düsseldorf-based boutique law firm Wilhelm is renowned for its expertise in complex insurance disputes. The team regularly represents policyholders in litigation, particularly in the areas of property insurance, industrial damage and business interruption as well as D&O. Furthermore, clients seek the firm's strength in handling claims under EAR insurance, with further expertise in the roll-out of insurance products, where the team acts for insurtech companies. Its experience covers various industry sectors, including construction, industrial manufacturing, automotive and energy as well as banking and finance.


"The team always provides usable opinions and suggestions for actions," says a client, further observing: "Results are delivered at the agreed time and partners are well available."

Notable practitioners

Clients appreciate Fabian Herdter for his "strong service attitude."He frequently acts for managers and prominent corporates on complex D&O and insurance coverage disputes especially those with cross-border implications.Prestigious corporates regularly instruct Mark Wilhelm due to his strength in handling complex insurance litigation in relation to construction defects and product liability. One client says: "He always delivers competent analysis and recommendations for action, and is very well connected in the industry and therefore able to assess future developments and develop action alternatives."

The full ranking is available here: www.chambers.com


26 January 2022

BGH ruling on business closure insurance leaves many questions unanswered

With a decision of January 26, 2022, the Federal Court of Justice denied insurance claims by a catering business for the Corona-related closure of the first lockdown in 2020. Crucial questions remain unanswered for many pending cases however.

In principle, insurers can effectively limit the scope of coverage of a business closure insurance with a list of named diseases and pathogens in insurance conditions. This was determined by the Federal Court of Justice (Bundesgerichtshof; BGH) with today's decision (Az. IV ZR 144/21).

Restaurant operator hoped for insurance benefit for lockdown

In the dispute that was decided, the operator of a restaurant in Schleswig-Holstein had claimed business closure insurance cover from its insurer for the Corona-related closure in spring 2020. A business closure insurance compensates for the loss of earnings if a business is temporarily closed by an official order for reasons of infection control (other than a business interruption insurance which compensates for loss following a property damage).

The defendant insurer – like almost all business closure insurers in Germany – refused to pay. The argument: a Corona lockdown is not an insured event because the Sars-CoV-2 coronavirus and the disease Covid-19 are not mentioned in the insurance terms. Furthermore, for an insured event, a pathogen must be detected within the company's building and the official order must therefore be specifically directed against the single company affected, the insurer stated. The Lübeck Regional Court (Az. 4 O 164/20) and the Schleswig Higher Regional Court (16 U 25/21) followed this argument.

BGH: The refusal of performance by the business closure insurer was lawful

The BGH now partly agrees with this argument. The wording of the clause used by the insurer read: "Notifiable diseases and pathogens within the meaning of these additional conditions are the following diseases and pathogens specified by name in Sections 6 and 7 of the Infection Protection Act: [a longer list follows]". This wording would make it sufficiently clear to the policyholder that only the diseases and pathogens mentioned in the list are insured. The policyholder cannot expect insurance cover that extends to every official closure of a business on the basis of the Infection Protection Act, the BGH ruled.

In parts, however, the BGH also rejected the previous OLG case law: For the insured event in the business closure insurance, it is not important whether there is a risk of infection arising from the business itself, i.e. that the pathogen appeared there.

Judgment leaves many questions unanswered

“In the past, the BGH has regularly and correctly placed high demands on the transparency of general business and insurance terms. With today's decision, the Karlsruhe judges are leaving this line," explains Dr. Mark Wilhelm, partner of WILHELM. The law firm advises more than 1,000 affected policyholders on business closure insurance. The firm however was not involved in the currently decided proceedings.

“It is fundamentally to be welcomed that the BGH has created clarity for some of the policyholders, even if the result is not convincing. Despite the judgment, there are still serious doubts about the transparency of many of the clauses used in the market regarding the scope of coverage for business closure policies," says Wilhelm. "The grandiose advertising promises made by insurers, as well as the behavior of insurers and their representatives in pre-contractual advice and in claims settlement, will still have to be scrutinized by the highest court. For example, in many cases, insurers initially promised coverage for Corona-related closures. It will have to be clarified whether these insurers are not liable despite the list clause in their insurance terms. Among other things, the BGH will have to deal with the question of whether the insurers may have violated § 1a Insurance Contract Act in the appeal proceedings we have pending".


Media coverage

28 April 2020

"The worst effect of the solution negotiated in Bavaria is the confusion that has arisen"

Dr. Mark Wilhelm in an interview with Versicherungsmonitor on the recent offer made by insurers to partially settle business interruption losses due to COVID-19.

The full article (German only) can be found on www.versicherungsmonitor.de (behind paywall).



8 April 2020

"Our clients will have to go to court"

The online publicationVersicherungsmonitor, the TV station ZDF  und the newsletter ofVersicherungswirtschaft-heute cover our firm's engagement for policyholders seeking business interruption cover in the corona crisis. 

3 April 2020

Controversy over corona insurance

The German daily newspapers Frankfurter Rundschau, Kölner Stadt-Anzeiger and many others report on the ongoing dispute between restaurant and hotel owners and their insurers.

The full article (German only) also mentioning our firm's role in the dispute can be found on www.fr.de


25 March 2020

"Tens of thousands of insurance contracts cover these risks"

Dr. Mark Wilhelm in an interview with ZDF heute  on the BI insurance for SME covering business closures due to official measures.

A part of the interview is online available (German only) on 

5 March 2020

Corona-virus: "The insurers' proceeding will need to be discussed"

Dr. Mark Wilhelm, Christian Drave and Dr. Fabian Herdter commented in the Süddeutsche Zeitung and Versicherungsmonitor on some insurers' attempts to exclude cover for event cancellations in the corona crisis.

The full articles on this topic (German only) can be found on www.sueddeutsche.de, www.versicherungsmonitor.de, www.versicherungswirtschaft-heute.de and www.versicherungsjournal.de 




There is nothing like a personal conversation. Do not hesitate to get in touch with us. We will be glad to meet you.


Wilhelm Rechtsanwälte
Partnerschaft von Rechtsanwälten mbB
Reichsstraße 43
40217 Düsseldorf
Telefon: +49 (0)211-68 77 46-0
Telefax: +49 (0)211-68 77 46-20
E-Mail: info@wilhelm-rae.de
Fasanenstraße 65
10719 Berlin
Telefon: +49 (0)30-8172732-0
Telefax: +49 (0)30-8172732-20
E-Mail: berlin@wilhelm-rae.de 

Press contacts

For all questions regarding our law firm, please contact:

Christoph Manke

Public Relations

Partnerschaft von Rechtsanwälten mbB
Reichsstraße 43
40217 Düsseldorf

Telephone: +49 (0)211-68 77 46-54
Telefax: +49 (0)211-68 77 46-20
E-Mail: christoph.manke@wilhelm-rae.de



How to find us

Düsseldorf Office

Reichsstraße 43
40217 Düsseldorf

How to find us (PDF)

Directions (Google Maps)


Berlin Office

Fasanenstraße 65
10719 Berlin

Directions (Google Maps)






Legal Notice and Privacy

Fenster schließen


Partnerschaft von Rechtsanwälten mbB
Reichsstraße 43
40217 Düsseldorf
Tel: +49 (0)211-68 77 46-0
Fax: +49 (0)211-68 77 46-20
E-Mail: info@wilhelm-rae.de

Registered at: Amtsgericht Essen PR 1597

VAT-ID: DE814658675

Partner: Dr. Mark Wilhelm, Lars Winkler, Dr. Fabian Herdter

The lawyers (“Rechtsanwälte” admitted in the Federal Republic of Germany) of the law firm "Wilhelm Partnerschaft von Rechtsanwälten mbB" are admitted to the following Bar Associations: Düsseldorf, Munich, Berlin. The respective addresses can be found here: www.brak.de.

The following professional rules and fee schedules apply. These are provided in detail on the website of the Federal Bar Association (Bundesrechtsanwaltskammer):

  • BRAO (Bundesrechtsanwaltsordnung)
  • BORA (Berufsordnung für Rechtsanwälte)
  • FAO (Fachanwaltsordnung)
  • RVG (Rechtsanwaltsvergütungsgesetz)


Online dispute resolution platform and consumer dispute resolution (Article 14 Paragraph 1 of the ODR Regulation and Consumer Dispute Settlement Act (VSBG)):
The European Commission provides a platform for online dispute resolution, which you can find at http://ec.europa.eu/consumers/odr/.

The responsible consumer arbitration board in Germany for property disputes arising from a client relationship is the arbitration board of the legal profession, Neue Grünstraße 17, 10179 Berlin, www.schlichtungsstelle-der-rechtsanwaltschaft.de.

The information on this website is provided for information purpose only and does not constitute any legal service by our law firm.


Privacy Policy:


This data protection information applies to data processing by:
Responsible party: Wilhelm Rechtsanwälte (hereinafter: WILHELM), Reichsstraße 43, 40217 Düsseldorf, Germany Email: info@wilhelm-rae.de  Telephone: +49 (0)211 – 6877460 Fax: +49 (0)211–68774620

The operational data protection officer of WILHELM can be reached under above address, for the attention of Mr. Johannes Laiblin, or under johannes.laiblin@wilhelm-rae.de.


2.1 When visiting the website

When you visit our website www.wilhelm-rae.de, the browser used on your device automatically sends information to the server of our website. This information is temporarily stored in a so-called log file. The following information will be collected without your intervention and stored until automated deletion:

  • IP address of the requesting computer,
  • date and time of access,
  • name and URL of the retrieved file,
  • Website from which access is made (referrer URL),
  • the browser used and, if applicable, the operating system of your computer as well as the name of your access provider.

The data mentioned are processed by us for the following purposes:

  • ensuring a smooth connection set up of the website,
  • ensuring comfortable use of our website,
  • Evaluation of system security and stability. and
  • for further administrative purposes.

The legal basis for data processing is Sec. 6 para. 1 p. 1 lit. f GDPR. Our legitimate interest results from the data collection purposes listed above. In no case will we use the collected data for the purpose of drawing conclusions about you.  In addition, we use cookies and analysis services at the visit of our website. Further details can be found under cyphers 4 and 5 of this data protection declaration.

2.2 Using our contact form

For questions of any kind, we offer you the opportunity to contact us via a form provided on the website. It is necessary to provide a name and a valid e-mail address so that we know who the request came from and in order to answer it.

The data processing for the purpose of contacting us is in accordance with Sec. 6 para. 1 p. 1 lit. a GDPR is based on your voluntarily granted consent.
The personal data collected by us for the use of the contact form will be automatically deleted after completion of your request.


A transfer of your personal data to third parties for purposes other than those listed below will not take place.

We only share your personal information with third parties if:

  • You expressly gave your consent to this according to Sec. 6 para. 1 sentence 1 lit. a GDPR
  • The disclosure pursuant to Sec. 6 para. 1 sentence 1 lit. f GDPR is required to assert, exercise or defend legal claims and there is no reason to assume that you have a predominantly legitimate interest in not disclosing your data,
  • in the event that disclosure pursuant to Sec. 6 para. 1 sentence 1 lit. c GDPR is a legal obligation, and
  • this is legally permissible and required according to Sec. 6 para. 1 sentence 1 lit. b GDPR for the settlement of contractual relationships with you.


We use cookies on our site. These are small files that your browser automatically creates and that are stored on your device (laptop, tablet, smartphone, etc.) when you visit our site. Cookies do not harm your device, do not contain viruses, Trojans or other malicious software.

The cookie stores information resulting in connection with the specific device used. However, this does not mean that we are immediately aware of your identity.

On the one hand, the use of cookies serves to make the use of our offer more pleasant for you. For example, we use so-called session cookies to recognize that you have already visited individual pages on our website. These are automatically deleted after leaving our website.

In addition, to optimize ease to use, we also use temporary cookies that are stored on your device for a maximum of 24 months. If you visit our site again to take advantage of our services, it will automatically recognize that you have already visited our site and what inputs and settings you have made, so you do not have to re-enter them.

On the other hand, we use cookies in order to statistically record the use of our website and to evaluate it for the purpose of optimizing our offer (see cypher 5). These cookies allow us to automatically recognize when you visit our site again that you have already visited it before. These cookies are automatically deleted after 26 months at the latest.

The data processed by cookies are required for the purposes mentioned in order to safeguard our legitimate interests as well as third parties according to Sec. 6 para. 1 sentence 1 lit. f GDPR.

You can manually delete cookies through your browser settings at any time. You can also configure your browser so that no cookies are stored on your computer or a note always appears before a new cookie is created. However, disabling cookies completely may mean that you cannot use all features of our website.


The tracking measure described below and used by us is based on Sec. 6 para. 1 sentence 1 lit. f GDPR. With the tracking measure used, we want to ensure that the design is tailored to requirements and the ongoing optimization of our website. On the other hand, we use the tracking measure to statistically record the use of our website and to evaluate it for the purpose of optimizing our offer for you. These interests are to be regarded as justified within the meaning of the aforementioned provision.

The respective data processing purposes and data categories can be found in the corresponding tracking tool.

5.1 Google Analytics

We decided to stop using Google Analytics for data protection reasons. No tracking information is collected by this website.

5.2 Google Maps

Our website uses Google Maps (API), another service of Google LLC. Google Maps is an online interactive map service that visually displays geographic information to help you get to our offices.

When you visit the page where the Google Maps map is embedded, data is sent to Google's servers in the US and stored there, especially your IP address, regardless of whether you have a user account on Google. If you have an account and are logged in, Google may be able to associate your data directly with your account.

Data processing takes place on the basis of our legitimate interests, in particular our interest in the analysis, optimization and operation of our online offer within the meaning of Sec. 6 para. 1 lit. f) GDPR.

For more information about Google's data usage, hiring and disagreement options, visit Google's websites, for example: http://www.google.com/intl/en/policies/privacy/


Your have the right:

  • in accordance with Sec. 15 GDPR, to request information about your personal data processed by us. In particular, you may request information on the processing purposes, the category of personal data, the categories of recipients to whom your data has been disclosed or will be disclosed, the planned storage period, the right to correction, deletion, limitation of processing or opposition, the existence of a right to complain, the source of your data, if not collected by us, and the existence of automated decision-making including profiling and, where appropriate, meaningful information about their details;
  • pursuant to Sec. 16 GDPR, immediately demand the correction of incorrect or incomplete personal data stored with us;
  • pursuant to Sec. 17 GDPR, to demand the deletion of your personal data stored by us, unless the processing is required for the exercise of the right to freedom of expression and information, for the fulfillment of a legal obligation, for reasons of public interest or for the assertion, exercise or defense of legal claims;
  • to demand the restriction of the processing of your personal data according to Sec. 18  GDPR, as far as the accuracy of the data is disputed by you, the processing is unlawful, but you reject its deletion and we no longer need the data, but you need those to assert, exercise or defend legal claims or you have objected to the processing in accordance with Sec. 21 GDPR;
  • in accordance with Sec. 20 GDPR, to receive your personal data provided to us in a structured, standard and machine-readable format or to request transmission to another person responsible;
  • according to Sec. 7 para. 3 GDPR, to revoke your once given consent to us at any time. As a result, we are not allowed to continue the data processing based on this consent for the future and
  • to complain to a supervisory authority pursuant to Sec. 77 GDPR. As a rule, you can contact the supervisory authority of your usual place of residence or work or our office.


If your personal data are processed on the basis of legitimate interests in accordance with Sec. 6 para. 1 sentence 1 lit. f GDPR, you have the right to file an objection against the processing of your personal data in accordance with Sec. 21 GDPR, provided that there are reasons for this arising from your particular situation or the objection is directed against direct advertising. In the latter case, you have a general right of objection, which is realized by us without specifying any particular situation.

If you would like to exercise your right of revocation or objection, please send an e-mail to info@wilhelm-rae.de.


We use the popular SSL (Secure Socket Layer) method within the site visit, in conjunction with the highest level of encryption supported by your browser. In general, this is a 256-bit encryption. If your browser does not support 256-bit encryption, we will use 128-bit v3 technology instead. Whether a single page of our website is encrypted is shown by the closed representation of the key or lock icon in the lower status bar of your browser.

We also take appropriate technical and organizational security measures to protect your data against accidental or intentional manipulation, partial or total loss, destruction or against unauthorized access by third parties. Our security measures are continuously improved in line with technological developments.


This data protection declaration is currently valid and is valid as of May 2018.

As a result of the further development of our website and offers thereof or due to changed legal or official requirements, it may be necessary to change this data protection declaration. The current data protection declaration can be viewed at any time on the website at http://www.wilhelm-rae.de/impressum. 



About this website:

Design: Studio Karpstein
Realization: Benjamin Ruff
Photography: Franklin Berger