Alina Murano, Co-CEO of Emilia, explains what a good legal insurance is made of, and how Emilia stands out as a purely online insurance provider.
Alina, you have recently become Emilia’s Co-CEO. For those who do not yet know you: What exactly is Emilia?
Emilia is an online-only Swiss legal insurance provider. Our goal is pretty simple: To provide people with easy access to legal services, without worries about the cost and without complicated contracts.
Many people immediately associate legal insurance with lots of fine print, complicated processes, and long waiting periods. We aim to do things differently: straightforward, digital, and fair.
Legal insurance has been around for a long time. What exactly does Emilia do differently?
There are two things that are particularly important to us: accessibility and clarity. Emilia’s customers understand what their insurance covers. We do not use any legal jargon and do not have any hidden exclusions.
We are also the only legal insurance that does not turn down applicants just because they have pre-existing health conditions or disabilities, or have had an accident in the past. Unfortunately, that way of doing things is still not the norm in the insurance world.
Which areas of life does Emilia cover?
Most legal problems are byproducts of everyday life. That is why we focus on being where we are most needed:
In short, we cover the risks that most people are likely to encounter in real life.
Many people shy away from getting legal help because of the cost. How does Emilia deal with that?
That is something we hear a lot, and it is the reason why Emilia covers the costs of both lawyers and legal processes when legal incidents occur. Nobody should have to ask themselves “Can I afford to claim my legal rights?” Claiming your rights should not be a luxury, but should be available to everyone.
You are a young woman at the head of an insurance company. Does that give you a different perspective?
I believe so. I do not have a classical insurance background. Being a lawyer myself, my perspective is closer to the way that users see things.
Out of interest: Is your product really understandable? Would I, as a customer, be taken seriously?
Does it help in the real world? Questions like that drive me much more than internal processes or jargon. Perhaps being able to rethink things is the real benefit.
How digital is Emilia, really?
In short, very. With us, getting a quote takes around 30 seconds. Signing up takes around a minute. And everything is done completely online.
On the other hand, we are not some anonymous chatbot. When you need help, you can talk to real people. For us, digital means simple, but not impersonal.
What kind of person could particularly benefit from Emilia?
Emilia is made for people of all walks of life who are looking for a simple and comprehensive legal insurance. Instead of modular products, Emilia gives you an all-in-one solution that covers all aspects of everyday life.
What is your personal vision for Emilia?
I hope that legal insurance will become just as common as liability insurance, and that someday nobody will have to forego their legal rights out of fear of the legal expenses. If Emilia helps move things in that direction, that would be a big accomplishment.
About Emilia
Emilia is an online Swiss legal insurance. It covers the legal areas that are most relevant to everyday life, with a focus on providing simple, understandable insurance products without unnecessary entry requirements.
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