Procedure in case of loss
When a loss guaranteed by this cover occurs, the insured is entitled to request the intervention of the insurer. The insurer may only turn down this request if the insurance does not exist or it is no longer in force.
As of this time, the insured may entrust the defence of his interests to a lawyer of his own choice.
Should the insured decide not to select a lawyer as stated above, the insurer shall provide an independent professional with the approval of the insured.
The laywer, freely assigned by the insured, and the court attorney if applicable, shall not be subject to the insurer's instructions in the performance of their work; however, they shall have to account for their management when they submit their fees and advances to the insurer, justifying their decisions regarding the suitability of valuations; experts' opinions, notarial, private investigation or any other kind of reports; approaches for claims; formal complaints or appeals. This is an essential requirement in order to justify their professional tasks and, consequently, their fees.
The insured is obliged to inform the insurer, at the request of the latter, about the situation of the proceedings.
Should an urgent invervention of a lawyer be required before a claim is made, the insurer shall likewise be liable for the fees and expenses arising therefrom.
A.4. Assistance at the business premises
4. Risks excluded from all guarantees