D & O Versicherung bei Insolvenz
Eines der häufigsten Missverständnisse bei Geschäftsführern, egal ob angestellt oder Gesellschafter ist, das eine oder mehrere Versicherungen für Schäden im Rahmen von Insolvenzhaftungen (egal ob straf- oder zivilrechtlich) haften.
Die D&O (Directors und Officers) Versicherung gilt als finanzieller Sicherheitsgurt. Eine scheinbare und auch trügerische Sicherheit… Die Haftung z.B. nach § 64 GmbHG für unerlaubte Zahlungen wird i.d.R. von den Versicherungsgesellschaften rund heraus abgelehnt. Dabei ist es egal, ob und wie begründet die vom Insolvenzverwalter geführte Klage ist.
Einen kleinen finanziellen Strohhalm gibt es allerdings. Unter bestimmten Voraussetzungen beteiligen sich die Versicherungsgesellschaften an den Rechtsanwaltskosten, wenn Anhaltspunkte dafür bestehen, dass Teile der Klage nicht ausreichend oder unbegründet sind.
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