Property damage, bodily injury, certain financial losses, defence costs and other eligible expenses, depending on the wording of the policy.<\/p>\n<\/div>\n
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Examples of liability limits<\/p>\n
In practice, the limit may be set per occurrence and\/or as an annual aggregate. As indicative examples, limits of EUR 100,000, EUR 500,000 or EUR 1,000,000 may be available depending on the activity, contracts and exposure. The actual limit is the one stated in the policy.<\/p>\n<\/div>\n<\/div>\n
It is also important to review sub-limits, deductibles, exclusions, the territory of coverage and the insured period. For example, a policy may have an overall limit of EUR 500,000 but a lower sub-limit for certain types of loss. For this reason, an offer should be compared not only by price, but also by the actual structure of the coverage.<\/p>\n<\/div>\n
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FAQ<\/span><\/p>\nFrequently asked questions about civil liability insurance<\/h2>\n<\/div>\n\n
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What is civil liability insurance?<\/h3>\n
Civil liability insurance is a policy that may cover loss or damage caused by the insured to third parties, within the limits, terms and exclusions set out in the contract. Depending on the type of policy, coverage may include property damage, bodily injury, certain financial losses and defence costs. Its purpose is to help ensure that the full cost of compensation resulting from an accidental event or error does not fall entirely on the insured person or company.<\/p>\n<\/div>\n
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What does third-party liability mean?<\/h3>\n
Third-party liability means the obligation to compensate for loss or damage caused to another person or entity when the insured is considered liable. The third party may be a client, supplier, visitor, neighbour, landlord, tenant or another affected person. Depending on the policy, coverage may include property damage, bodily injury and certain financial losses, up to the liability limit stated in the policy.<\/p>\n<\/div>\n
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How much does professional liability insurance cost?<\/h3>\n
The cost of professional liability insurance depends on the field of activity, turnover, the type of services provided, number of employees, territory of coverage, claims history, the selected liability limit and any additional clauses. There is no single price that applies to all professions or companies. An accurate estimate requires a specific risk assessment and a personalised quotation.<\/p>\n<\/div>\n
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Who needs professional liability insurance?<\/h3>\n
Professional liability insurance is relevant for companies, self-employed professionals and specialists whose errors, omissions, delays or advice may cause loss to clients or business partners. It may be suitable for consultants, IT companies, architects, engineers, accountants, lawyers, doctors and other specialised professions or activities, depending on legal and contractual requirements and the actual risks of the activity.<\/p>\n<\/div>\n
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How do you obtain professional liability insurance online?<\/h3>\n
To obtain professional liability insurance online, you provide information about your activity, turnover, services provided, client types, territories in which you operate, the desired liability limit and your claims history. Based on this information, the risk is assessed and quotations may be requested from insurers. Depending on the product and insurer, documents can be submitted electronically and the policy can be issued after the terms are accepted and the premium is paid.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n
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