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Public Liability lang_product.rcgeneral.subtitle

The public liability insurance covers liability against third-party claims for personal and material damages committed in the development of an activity.

Highlighted Coverages

Property Liability
Operating Liability
Subsidiary Liability
Product Liability
Employer's Liability

Detailed Information

FOR WHOM?: Aimed at those companies that want to be covered for non-contractual liability that they may incur under articles 1902 and following of the Civil Code.
WHY?: The Insurer will assume, within the limits agreed in the policy, the pecuniary consequences derived from the claims due to material damages, personal damages and patrimonial damages derived from said damages, caused involuntarily to third parties and compromising the non-contractual civil liability of the Insured in the exercise of of the professional activities declared by the insured company.
COVERAGES: ✔ Property Liability
Arises from the ownership or leasing of the building in which the activity causing the damage takes place.
✔ Operating Liability
Damages caused to third parties in the exercise of activities inherent to the insured's business.
✔ Subsidiary Liability
Harm caused to third parties as a result of damage caused by one of the subcontractors.
✔ Product Liability
Damages that the product obtained may cause as a result of business activity, after its delivery.
✔ Employer's Liability
Claims by your workers against you for occupational accidents that occur during the insured activity.
REAL CASE?: A company must transport some products to its customer. The carrier has left in a hurry and has not properly secured the merchandise. During the journey the trunk is opened and the merchandise damages both urban material and some vehicles that are in circulation.