“Passive legal expenses insurance” means that Professional Indemnity for Digital Professions reduces the cost risk for defending against unjustified claims as well as for professional claims settlement by assuming out-of-court and court costs (e.g. lawyer, expert, witness, court, travel costs). In the digital sector, “passive legal expenses insurance” is particularly important for claims in connection with the violation of third-party rights (such as copyrights, personal rights, names, trademarks and licensing rights). The insurer also grants temporary defence protection in the event that damage is caused intentionally. “Passive” in this context means that the service relates to the defence of third-party claims (e.g. of the principal) and not to the “active” enforcement of one's own claims. Legal Protection in Criminal Cases If criminal proceedings arise in connection with a damage event, the insurer will also cover the necessary legal and court attendance expenses. The compensation limit is 250.000 euros per insured event. The costs for claims settlement or defence are paid by the insurer in addition to the sum insured sum/sum covered (limit of benefits), as long as this sum is not exceeded in the compensation payment. If the liability claim exceeds the agreed upper limit, the insurer only bears the costs to the extent that they would have been incurred in the event of a liability claim in the amount of the upper limit. In the case of claims before courts in the United States and Canada, the costs are limited to the sum insured/sum covered.