{
  "id": "term-arb",
  "type": "term",
  "languages": {
    "en": {
      "id": "term-arb",
      "lang": "en",
      "type": "term",
      "title": "General Legal Expenses Insurance Conditions (ARB)",
      "shortDefinition": "The ARB are the general policy conditions for German legal expenses insurance, which since 1994 no longer require regulatory approval and therefore vary considerably between insurers.",
      "synonyms": [
        "ARB"
      ],
      "linesOfBusiness": [
        "Legal Expenses"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Legal Expenses Insurance",
        "Policy Conditions"
      ],
      "relations": {
        "relatedTerms": [
          "cov-employment-legal-protection"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/term/arb-legal-expenses-conditions/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/begriff/arb/",
      "body": "## Concept\n\nThe ARB are the general policy conditions for the legal expenses insurance line. Until 1994, policy conditions for legal expenses insurance had to be approved by the former Federal Insurance Supervisory Office.\n\n## Development\n\nThe market saw uniform generations of conditions in 1954, 1969, 1975, and 1994. Since deregulation in 1994, insurers have been free to set their own individual conditions, leading to increasing differentiation of coverage in the legal expenses market.\n\n## Market Practice\n\nThe German Insurance Association continues to issue non-binding model conditions that many insurers use as a reference. For consumers and businesses, however, this diversity of wordings considerably complicates direct comparison between individual legal expenses products."
    },
    "de": {
      "id": "term-arb",
      "lang": "de",
      "type": "term",
      "title": "Allgemeine Bedingungen für die Rechtsschutzversicherung (ARB)",
      "shortDefinition": "Die ARB sind die Allgemeinen Versicherungsbedingungen für die Rechtsschutzversicherung, die seit 1994 nicht mehr behördlich genehmigt werden müssen und daher stark zwischen Versicherern variieren.",
      "synonyms": [
        "ARB"
      ],
      "linesOfBusiness": [
        "Rechtsschutz"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Rechtsschutzversicherung",
        "Vertragsbedingungen"
      ],
      "relations": {
        "relatedTerms": [
          "cov-employment-legal-protection"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/begriff/arb/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/term/arb-legal-expenses-conditions/",
      "body": "## Begriff\n\nDie ARB sind die Allgemeinen Versicherungsbedingungen für den Zweig der Rechtsschutzversicherung. Bis 1994 mussten Versicherungsbedingungen für die Rechtsschutzversicherung vom damaligen Bundesaufsichtsamt für das Versicherungswesen genehmigt werden.\n\n## Entwicklung\n\nEs gab markteinheitliche Bedingungsgenerationen ARB 1954, 1969, 1975 und 1994. Seit der Deregulierung im Jahr 1994 können Versicherer individuelle Bedingungen vereinbaren, was zu einer immer stärkeren Differenzierung des Versicherungsschutzes im Rechtsschutzmarkt geführt hat.\n\n## Marktpraxis\n\nDer Gesamtverband der deutschen Versicherungswirtschaft gibt weiterhin unverbindliche Musterbedingungen heraus, an denen sich viele Unternehmen orientieren. Für Verbraucher und Unternehmen erschwert die Bedingungsvielfalt jedoch den direkten Vergleich einzelner Rechtsschutzprodukte erheblich."
    }
  }
}