Business Liability Insurance
Protect your business against everyday risks
Even when you run your business with the utmost care, mistakes can happen. For example, your staff may damage something, or someone may be injured due to your activity. Business liability insurance protects your company against this financial risk.
Benefits of this insurance
Covers personal, material, and financial damages arising from your business activity.
The Environmental Damage Act requires whoever is responsible for environmental damage to restore nature; our insurance protects you from this cost, which can quickly reach tens or hundreds of thousands of euros.
Damages caused by negligent, though not intentional, behavior of your employees are also insured.
You can combine this coverage with other modular blocks into a comprehensive package tailored to your business.
What is covered
Personal injury to third parties
Covers injuries caused to third parties in the context of your business activity.
Material damage
Covers damage to third-party property caused by your business or your staff.
Financial damage
Covers economic losses suffered by third parties as a result of your activity.
Additional risks
Includes environmental damage, internet risks, rental damage (excluding vehicles), conventional product risk, and discrimination claims (AGG coverage).
What is not covered
Intentional damages
Damages caused deliberately by your company or staff are excluded.
Risks covered by specific insurance
Certain risks, such as extended product liability, require a specific additional module.
Real claim examples
Injury to a customer on your premises
A customer falls at your premises; the insurance covers the medical costs and the corresponding compensation.
Accidental environmental damage
An accidental spill causes environmental damage requiring remediation measures; the insurance covers the costs of repairing the damage.
Frequently asked questions
Is this insurance mandatory?
No, for most sectors there is no legal requirement. However, since liability damages can threaten the existence of your business, it is strongly recommended.
Can I combine it with other insurance?
Yes, within a modular package you can combine business liability with other blocks according to your business needs.
Does it cover mistakes by my employees?
Yes, damages caused by negligent, though not intentional, behavior of your employees are also insured.
What determines the cost of the insurance?
It depends on the size and sector of your business, so a flat price cannot be given; you can request a personalized quote.
Want to protect your business against third-party claims?
Tell us your industry and company size, and we will help you find the right coverage.
Request free advice