Any third party suffering damage owing to your company's activities may seek recourse against you. It is only to be expected. Except this kind of situation is not easy to manage as you are not the only one in your company: employees, working students, partners, directors, company managers, ...
Civil liability insurance covers all parties for any faults made during the pursuance of the company's activities.
Civil liability for operations
You are running a shop, receiving customers in your office or carrying out work for third parties. You may cause damage to third parties as you carry out these professional activities. Civil liability for operations insurance is designed to insure you against physical, material and immaterial consequential damage.
Focus on entrusted goods
Dozens of "foreign" objects can be found at any time in your company premises. They belong to your customers or suppliers, and are entrusted to you. You are obviously liable for any damage to these goods.
Foreign objects may take all kinds of forms:
- Third party goods you are working on
- third party goods freely entrusted to be worked upon temporarily
- Objects and goods entrusted to you
No standard ‘entrusted goods’ insurance is available. Its scope varies according to the goods that you wish to insure and are regularly to be found in your workplace.
The ‘Entrusted good ’ concept also applies during the pursuance of your professional activity when travelling: outside the business premises.
Civil liability after the delivery of civil liability products
Damage attributable to you may also occur after your products have been delivered or when work is being completed at your customer's end. The insurance covers all physical and material damage, and immaterial consequential damage caused by a defect in the good delivered or the work completed owing to your fault during manufacturing, installation, packaging, repair, …
