How many categories of civil liability are there from a legal point of view?
There are two categories: tort civil liability, for damages caused by unlawful actscontractual civil liability, for non-compliance ...
Why can the coverages vary depending on the type of liability?
The risks vary depending on the activity performed. Some activities involve material risks, others professional or financial risks, and ...
What types of civil liability exist?
Civil liability can be: legal (general) - for material damages and bodily injuries professional - for financial damages caused by errors ...
What does legal civil liability (general) cover?
Liability insurance can cover:material damagesbodily injuriesdeathlegal expensesPractically, the policy helps you manage ...
For what types of situations can I conclude a legal liability insurance?
You can conclude a civil liability policy for different situations in which you could cause damage to other persons or property ...
What does professional civil liability cover?
Professional civil liability covers financial damages caused to other persons following errors, omissions, or professional negligence produced ...
Why do coverage options differ from one insurer to another?
Each insurer has its own packages, limits, and insurance conditions. Some include only standard coverages, while others offer protections ...
Why is the business activity domain important?
Risks vary depending on the activity carried out. For example, a restaurant has different needs compared to a store, a car service, or a building of ...
What documents are required for issuing an SME policy?
Generally, the following are required: company data (CUI) insured space address list of goods and their value In certain cases, the insurer may also request ...
If I carry out my activity in a rented space, can only the goods be insured?
Yes. You can insure your own goods and equipment from the rented space. If necessary, you can also add the tenant's liability clause towards the landlord, ...
What does interruption of activity mean?
This is the coverage that helps you reduce the financial impact when the business activity is temporarily affected by an insured event, such as a ...
Is it possible to conclude an SME policy for a building that is partially intended for commercial activities? Is a PAD also needed?
Yes. The SME policy can cover the part intended for commercial activities. The area used as a dwelling must, however, be mandatorily insured through PAD, according to ...