The purpose of the Professional Civil Liability Insurance is to guarantee the economic consequences derived from any claim for personal, material and consequential damages, as well as the primary patrimonial damage caused to third parties by an error or professional fault committed by the insured or by personnel of the that legally must respond in the performance of the professional activity insured.
Coverages of the Professional Civil Liability Insurance
There are several types of Professional Civil Liability insurance coverage that can be adjusted to your needs, among which we can distinguish:
- Operational Civil Liability:
The Operational Civil Liability Insurance constitutes the basic guarantee of General Civil Liability insurance, which covers civil liability claims for damages caused to third parties by the property, facilities, machinery, property and employees of the Insured during the development of the insured activity.
- Tenant Civil Liability:
Tenant Civil Liability is understood as such that for the Insured derives from his status as tenant of the building in which his activity is carried out, in front of the owner thereof and whenever the damage to said building is a direct consequence of:
– Water action.
In addition, this insurance covers claims for civil liability for damage caused to rented property, used by the Insured for the development of the insured activity.
- Employer’s Organization Civil Liability
The employer’s organization civil liability covers civil liability claims for personal injuries suffered by the Insured’s employees as a result of an accident at work.
This guarantee also covers, in a subsidiary way, the personal damages suffered by the employees of the contractors and subcontractors of the Insured while they participate in the works of the insured activity.
- Products / Post-work civil liability
The products/post-work civil liability comprises the coverage of claims of civil liability for damages caused to third parties by the products / work carried out by the Insured, after its termination and delivery.
- Products Civil Liability
Products Civil Liability coverage deals with civil liability claims for damages caused to third parties by the products manufactured or supplied by the Insured, after their delivery.
- Civil Liability for Accidental Pollution
Coverage of civil liability claims for damage caused to the environment: water, air or soil contamination.
- Civil Liability for Damages to Adjoining and Conductions
Complementary guarantee of the civil liability of operation of automatic inclusion in certain risks, which covers civil liability claims for damages caused to neighbouring properties or pipelines of water, gas, electricity, telecommunications, etc.
What does the Professional Civil Liability insurance offer?
The Professional Civil Liability or Professional CR insurance provides the insured with the peace of mind that in case there is a possible claim by a third party for causing damages as a result of errors or omissions in the development of their professional activity, this policy will be will pay compensation, provided that the loss is within the terms and coverage of the contract.