Praxiskommentar: D&O-Versicherung und Managerhaftung: Haftpflichtversicherung der Geschäftsführer, Vorstände und Aufsichtsräte und ihre Haftung 2. Auf
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Vorst�nde, Gesch�ftsf�hrer und Aufsichtsr�te legen wegen ihres hohen Haftungsrisikos Wert auf D&O-Versicherungsschutz. In Deutschland �blich ist die gesellschaftsfinanzierte D&O-Versicherung, die das Unternehmen f�r die Mitglieder ihrer Leitungs- und Aufsichtsorgane abschlie t. D&O steht f�r "Directors and Officers Liability Insurance". Es handelt sich um die Verm�gensschadenhaftpflichtversicherung f�r aufsichtsf�hrende und gesch�ftsf�hrende Organe bzw. die Haftpflichtversicherung f�r Aufsichtsr�te, Vorst�nde und Gesch�ftsf�hrer, wobei in der Praxis auch h�ufig leitende Angestellte, also Manager unterhalb der Organebene mitversichert werden. Die Vorst�nde, Gesch�ftsf�hrer und Aufsichtsr�te erwarten in der Praxis ma geschneiderten Versicherungsschutz. Tritt ein Haftungsfall ein, zeigt sich indes, dass bei der Frage, ob und in welchem Umfang Versicherungsschutz gew�hrt wird, zahlreiche Unsicherheiten und Fallstricke bestehen. Zun�chst muss gepr�ft werden, ob Deckung f�r den geltend gemachten Schadensfall unter der D&O-Police besteht. Dann entscheidet der Versicherer, ob er Rechtsschutz gew�hrt und die Forderung abwehrt, weil er sie f�r unbegr�ndet h�lt oder ob er sie am Ende befriedigt, indem er den Manager freistellt. Die Freistellung der versicherten Person von der Haftungsschuld erfolgt in der Praxis nur selten. Insbesondere eine vollst�ndige Freistellung stellt die Ausnahme dar. Kommt es zu einer Schadenszahlung des Versicherers, dann h�ufig indem ein Vergleich geschlossen wird. Insbesondere der Ausschluss der wissentlichen Pflichtverletzung hat in der Praxis eine gro e Bedeutung. Er f�hrt h�ufig zur Versagung der Deckung. Der Kommentar unterst�tzt die Parteien, die beteiligten Anw�lte, Berater, Mitarbeiter der Versicherer und Vermittler und schlie lich die Gerichte bei der Beurteilung der jeweiligen Deckungs- und Haftungsfragen. Hierbei wird die Praxistauglichkeit durch zahlreiche Beispielsf�lle sichergestellt.
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