In the day-to-day running of a business, the owner or manager of a company can be held liable by third parties for loss or damage caused by:

• employees while carrying out their job
• the company's buildings, office furniture layout, lifts
• equipment and tools
• delivered goods or services

Our insurance solutions take care of third-party claims in respect of damage for which you may be held liable.

Essential cover

Third-party liability insurance is absolutely essential for the protection of your business. It provides compensation for any loss or damage caused to your customers or any other person while you carry out your professional activity or afterwards. 

Public Liability Insurance

This extension is the second component of your cover. It covers any loss or damage that may be caused by a product sold or work carried out by your company. 

A few examples :

• You damage the property of someone with whom you have no contractual relations.
• A customer is injured on your premises.Un client se blesse dans vos locaux.
 

Additional product liability cover

This extension is the second component of your cover. It covers any loss or damage that may be caused by a product sold or work carried out by your company.

A few examples:

• You sell a food product that gives several people food poisoning.
• You carry out repairs or install a system but your worker neglects to carry out a check, leading to significant material damage for your neighbours. In addition, your customer suffers financial losses as a result of this material damage.

Additional cover for "goods under bailment"

This extension constitutes the third component of your cover. It covers any accidental damage caused to personal goods or property entrusted to your care in the context of your business activities (installation, repairs, construction, renovation, assembly, etc.).

A few examples :

• You accidentally damage goods that have been entrusted to you for repair.
• You are renovating a building's façade and your workers accidentally damage the windows.

 
Additional legal cover

This covers legal representation fees arising from criminal defence in the event that the insured party is subject to criminal proceedings as a result of business activities and where these fees are covered by the third-party liability insurance provided by the policy.

This also covers the fees payable to the legal representative chosen by the insured party in order to obtain financial compensation, either out of court or via legal proceedings, for physical injury or material damage sustained for which cover would have been provided under the policy had it been the insured party who had inflicted such damage on a third party.

 
Directors and officers liability insurance

Recent legislation and court rulings indicate that company directors and managers worldwide are increasingly faced with demands for compensation.

At present, anyone who accepts the position of company director is open to almost unlimited liability.

Directors and officers liability insurance offers protection against losses resulting from any legal action taken against a company's directors or officers due to errors made when carrying out their duties.

 
Professional liability insurance

This covers the insured party's legal responsibility vis-à-vis third parties for any demand for compensation made by a third party in respect of financial losses caused by negligence, error or omission on the part of a director, officer or employee of the insured party.

 
Contact us

For further information and a personalised quote, please do not hesitate to contact us

 Corporate and special risks department
Clarisse Dognin                Roger Speltz                       Carlo Goedert
Client advisor                     Client advisor                      Client advisor 
tel. : 437 43 2026               tel. : 437 43 2028               tel. : 437 43 2031
fax. 437 43 2526                 fax. 437 43 2528                fax. 437 43 2531