Rechtsanwälte Attorneys At Law

BAUDACCI NIGG STENBERG

We live and breathe insurance law - thanks to our many years of experience in the insurance industry and in insurance law firms at home and abroad.

BNS Attorneys at Law is a specialist law firm based in the heart of the old town of Zurich that provides tailored legal services in the areas of

  • Liability law
  • Insurance and reinsurance law
  • Transport law
  • General contract law
  • Dispute resolution

About us

BNS Attorneys at Law primarily advises and represents clients in matters involving liability law, insurance and reinsurance law, as well as transport law.

Our firm offers a wide array of advisory services from reviewing policy wordings and assessing commercial and (re)insurance contract issues, investigating and monitoring complex domestic and international claims on behalf of insurance carriers, advising on coverage and regulatory issues, to designing professional claims departments or handling entire claims portfolios.

Over the last few decades, our lawyers have handled numerous liability defence and insurance coverage disputes in all lines of business and at all levels of the Swiss court system. Our lawyers have also frequently assisted with foreign litigation and acted as party representatives or specialist arbitrators in international arbitration proceedings in Switzerland and abroad, including for example France and Bermuda.

Our firm also provides advice and representation in other areas of commercial law.

With many years of professional experience behind them – be it in various senior roles within the insurance industry or as partners in domestic and international insurance law firms – our lawyers are attuned to the needs and the challenges of the increasingly complex insurance business landscape.

Expertise

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Liability Law

Our professional offering in the area of liability law includes:

  • General liability
  • Professional liability, including medical and legal malpractice
  • Product liability
  • Commercial liability
  • Directors’ and Officers’ liability (D&O)
  • Motor and railroad liability
  • State liability
Insurance and Reinsurance Law

Our services extend in particular to the following areas of insurance and reinsurance business:

  • Professional and commercial liability
  • Motor and personal liability
  • Financial Lines and Specialty Lines: including directors’ and officers’ liability (D&O), fidelity and crime, professional liability including financial institutions’ professional indemnity (FIPI), employment practices liability (EPLI), cyber insurance, warranties and indemnities (W&I or M&A insurance), and event cancellation covers
  • Property insurance

Coverage counselling, claims monitoring and loss adjustment:

  • Liability and coverage assessments
  • Insurance coverage defence
  • Second and expert opinions

Insurance and reinsurance contracts:

  • Review and revision of (re)insurance policy wordings

Dispute resolution:

  • Litigation before all Swiss courts
  • Party representation in arbitration proceedings
  • Standing as arbitrators in arbitration proceedings

Claims handling:

  • Design of claims organisations
  • Assumption of claims department functions and handling of entire claims portfolios
Transportation and Logistics

We support our clients in all aspects of transport insurance.

Our services include the assessment of complex contractual frameworks inherent in the international transport and logistics business and advising on the resultant liabilities of freight forwarders, carriers and logistics providers.

We advise and defend clients against claims. We also handle subrogation claims and recovery proceedings on their behalf.

General Contract Law

Our legal professionals provide a wide range of contract-related services to help clients avoid problems down the road, starting with assisting clients in challenging contract negotiations, drafting, reviewing and revising contracts and general terms and conditions, and if need be, enforcement of their contractual claims.

Dispute Resolution

Our attorneys have many years of court experience and some have also served as specialist judges at the Commercial Court of Zurich or as clerks with other Zurich courts.

We are therefore well equipped to represent our clients in civil litigation and criminal proceedings before all Swiss courts and authorities. Our particular focus is on liability defence and coverage litigation. Our lawyers also act as party counsel or serve as arbitrators in insurance or reinsurance arbitration proceedings.

Legal Department Services for Small and Medium-sized Enterprises (SMEs)

Drafting and review of commercial contracts and general terms and conditions

General legal advice

Communication with authorities

Team

Dr. Hans Nigg

Consultant

Erik Stenberg

Consultant

André Graf

Consultant

Emina Avdispahić

Junior Lawyer

Cornelia Hasler-Odlum

Office Manager

Anna-Laura Rohr

Assistant

News

The City of Zurich is not liable for tram accidents with distracted pedestrians

BGer 4A_179/2021 (amtl. Publ.)

In its decision of May 20, 2022, the Federal Supreme Court dealt with an everyday situation: the respondent was standing at a tram stop with his back to the approaching tram and was looking at his mobile phone when he suddenly entered the platform area without looking to the left . He was struck by the approaching tram and sustained serious injuries. As a result, he demanded satisfaction from the city of Zurich, as the owner of the transport company, based on Art. 40b Para. 1 EBG by means of a partial action. The lower courts had basically affirmed the liability of the city. Not so the federal court, which upheld the city's appeal against the judgment of the higher court and overturned the judgment. Before the Federal Supreme Court, it was disputed whether the city could release itself from its liability due to gross negligence on the part of the pedestrian in accordance with Art. 40c EBG (cf. E. 3.1).

The Federal Supreme Court considered that a third-party behavior only constitutes a main cause under Art. 40c EBG if the behavior has such a high degree of effectiveness that the cause set by the liable party no longer appears to be legally significant for the damage that has occurred (E. 3.2) . The accident happened at a clear place in fine weather (E. 4.3.4). In addition, the pedestrian was familiar with the area and aware of the dangerous situation. He created the danger unnecessarily. The Federal Supreme Court therefore considered the pedestrian's behavior contrary to traffic as the main cause of the accident. For this reason, it approved a discharge of the city from the liability according to Art. 40c EBG (E. 4.4).

Comment: Liability according to the EBG is a non-contractual strict liability, which the legislator has designed as strict causal liability (cf. Roger König, The new liability of the railway companies, HAVE 2013 p. 199 ff., p. 201). The fault of the owner of the railway company is therefore not a prerequisite for liability. Nor can the latter exonerate himself by proving that he had taken the necessary care. The only possibility for the owner to free himself from liability results from Art. 40c EBG. This provision must therefore under no circumstances be emptied of its meaning (cf. also BBl 2007 4493). Looking left and right before crossing a lane is considered an elementary traffic rule. In the given situation, the Federal Supreme Court rightly assessed the respondent's non-observance of these as gross negligence that interrupted causality. At the same time, it made it clear that this was not a moral reproach, but ultimately the question of the extent to which the consequences of its dangerous (operational) activity can still be attributed to the railway company.

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We show ourselves in the new dress

For around 15 years we have been committed to the interests of our clients with passion and competence and we can count ourselves among the leading law firms in liability and insurance law. We owe a great debt of gratitude to all those who have accompanied and supported us over the years. In addition to our valued clients, this of course also includes our great law firm team as well as families and friends. We look back with equal parts pride on interesting and enriching years and on the future with joy and confidence. With this in mind: New look – same values

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