The provisions of the General Terms and Conditions of Insurance are often unclear, contain various “loopholes” and exclusions. Based on our knowledge and experience, we try to clarify certain insurance complexities to make our clients aware of dangers ensuing from those provisions which cannot be excluded or limited. In the case of particularly unclear provisions, we request official interpretations from insurance companies. For instance, we will explain you how the sums insured for your property are determined, how insurance systems operate in non-life policies, what claims can be insured under third-party liability policies, how the so-called time triggers function in third-party liability policies. We will also describe how do the specific clauses and insurance riders tailored to your individual needs function.