At ASSAP we have the liability insurance adapted to your needs so that you can enjoy peace of mind.
Taking out liability insurance with ASSAP is synonymous with peace of mind.
In any sector, be it professional, recreational, sports, general or even private or household, taking out civil liability insurance is a guarantee of peace of mind. The contracting of a civil liability insurance covers any consequence produced by an action you have committed, as an individual, manager, company or self-employed, and affects third parties or entities of any nature. It is a key resource to have everything under control, with the protection you want at all times and with the comprehensive and effective support of your insurance company.
The civil liability insurance will be in charge of covering the damages that the insured party causes to third parties or entities. A common example would be an incident in a household installation, such as a broken water pipe that damages the downstairs neighbor. In this case, the civil liability insurance would take care of the problem in full, paying the repair bills and avoiding you the steps to resolve the conflict.
But there are different civil liability insurance policies depending on the type of insured. We explain the most common ones.
Home liability insurance
This is the best response for any eventuality that occurs in the domestic environment and the damage caused affects other people or homes. The insurer will be in charge of restoring or repairing the damage so that the affected part is left in the same state as before the incident. In case the damage affects people, the civil liability insurance, as a general rule, covers the actions that may cause damages by other members of the family or cohabitants of the home. In this policy that includes the civil liability insurance, several usual coverages can be included in a home such as damages caused by a building, by works, by water leaks…, and if it includes the family civil liability, we can find coverages on the personal activity, damages caused by pets or domestic personnel, fire or explosion, etc.
Liability insurance for the self-employed
If there is one factor that self-employed workers take into account, it is personal and economic activity security. Starting a business involves investing a lot of illusions, work and money that it is better to have well insured. Thus,
- For self-employed workers, it is necessary to take into account aspects such as operating civil liability, which covers the claims of third parties for your professional work when carrying out your activity.
- in case you have employees, the self-employed must take into account, among others, the coverage of subsidiary civil liability, which is responsible for accidents that may be caused by the action of a worker that you have hired to fulfill the purpose of your activity.
Liability insurance for companies
Whether small, medium or large, every company must have liability insurance. As in the case of self-employed workers, the activities carried out by a company involve certain risks that cannot always be 100% controlled. This being so, it is necessary to cover aspects that can happen unintentionally, such as a flood, a fire, employee accidents or a bad signaling of a step… yes, also. Not to mention coverage for business stoppage, which can have a fatal outcome for the viability of the business if you do not have an adequate policy.
Thus, it is essential to have liability insurance to be exempt from the economic burdens that may be caused by any unintentional damage committed in a work environment to a third party.
- Employer’s CR, covers personal injury claims of employees in an accident at work.
- CR of exploitation, its coverage includes aspects such as damages to third parties during the exercise of the company’s work.
- CR Locative, includes those mishaps that occur within the premises where the business is developed or of an owner while he has rented his premises.
- Product liability or post-work liability, which covers claims for damages caused by the product delivered or the service performed once the work is completed.
As we can see, there are different types of liability insurance for a multitude of situations and adapted to the needs of each client or business. Liability insurance encompasses an infinite range of possibilities and it is necessary to contemplate any fatality that may be caused or risk suffered. Danger is present in all areas: personal, professional and business. It is the most contracted insurance format considering its social function, since it can include or be destined to insure from a worker to a high executive position, the damages caused by a minor family member or a pet.
Talk to us, we will advise you of all the possibilities and the best conditions adapted to your needs, so that you can achieve the peace of mind you are looking for in all areas of your life.