The best liability insurance
Are you prepared for any unexpected events in your daily business?
Unforeseen events often occur without warning and can cause damage to third parties and complicate your operation. Therefore, it is important to be prepared and take the necessary measures to prevent and mitigate any risk.
At ASSAP we offer you a complete range of civil liability insurance to protect you against possible incidents that may involuntarily arise from your activity or company.
What is liability insurance?
This insurance protects you and your business against claims that may arise due to financial losses and personal or material damages that you yourself or the activity derived from your business may have caused to a third party. The policy also covers any legal proceedings and necessary legal assistance.
We have specific coverage for civil liability for exploitation and civil liability for liberal professionals. Liability insurance is mandatory for all businesses, businesses, companies, SMEs, self-employed or liberal professionals.
Companies
What does the operating liability policy cover?
The operating liability policy covers damages and losses caused by your company to third parties in the course of your business activity, and includes property damage, personal injury and economic losses. It covers compensation and legal costs arising from possible claims for this liability, and is intended for companies.
Independent professionals
What does the civil liability policy for liberal professions cover?
This policy guarantees payment by the company of any compensation for which the insured is civilly liable, as well as any legal costs resulting from any lawsuits required of the insured for this type of liability. It is intended for liberal professions.
What does Civil Liability cover?
Coverages included
With and without deductible *
Civil liability for exploitation
The operating liability policy covers damages and losses caused by your company to third parties in the course of your business activity, and includes property damage, personal injury and economic losses. It covers compensation and legal costs arising from possible claims for this liability, and is intended for companies.
Professional civil liability
This policy guarantees payment by the company of any compensation for which the insured is civilly liable, as well as any legal costs resulting from any lawsuits required of the insured for this type of liability. It is intended for liberal professions.
Additional coverages
Employer's civil liability
This coverage offers protection to companies in the event of legal claims for damages caused to their employees or third parties in the course of their work.
We will pay compensation for any work-related accidents suffered by any of your employees, provided that they arise from the same activity.
For example, if you own a construction company and your employee is injured in a work accident while performing work.
Subsidiary civil liability
This insurance covers situations where a company is legally responsible for damage or injury caused by a third party, such as an employee or subcontractor.
We cover the legal costs and compensation to third parties that may arise from a civil liability claim against the insured company.
For example, if you own a construction company and you subcontract a company to carry out painting work on a building and one of their workers suffers an injury at work due to a lack of adequate safety measures.
Product liability
This insurance covers companies that manufacture, distribute or sell products in case they cause harm to consumers.
We handle potential liability claims, which may include medical expenses, loss of income, property damage and other economic losses caused to consumers as a result of using a defective product.
For example, if you have a home appliance manufacturing company and you sell a washing machine model with a manufacturing defect that causes a fire in a customer’s home.
Civil liability for entrusted assets
This insurance protects companies or individuals who have been entrusted with the temporary custody, use or care of property owned by a third party that is damaged or lost, such as a moving company, auto repair shop or equipment rental company.
We will bear the costs associated with the repair or replacement of the goods, as well as any additional expenses that may arise as a result of their loss or damage.
For example, you are a mechanic and you accidentally damage your client’s car.
Civil liability for pre-existing assets
This insurance covers companies that work on properties that already have certain pre-existing assets, such as buildings, land and machinery, among others.
We assume the costs arising from any damages that may be suffered by these pre-existing assets during the course of the insured company’s activity.
For example, you are a builder and you damage an existing pipe on the plot.
Others depending on the activity
* Coverage and services are subject to the terms and conditions applicable to your insurance. This section has no contractual value.