In the day to day of the self-employed, claims for damages caused to third parties are frequent. If you are self-employed, it is important to feel protected while you carry out your professional activity. For this, it is important to obtain correct advice on the self-employed insurance.
Article 1902 of the Civil Code provides that the cause of the damage is liable for the damage caused. If you are self-employed and cause damage to other people or property, you will be responsible for those damages. This highlights the need to hire a Liability insurance.
What are the advantages of taking out Civil Liability insurance for the self-employed?
If you are self-employed and have hired a Scivil liability insurance, You will be covered against third party claims. If you receive a claim for damages caused to a third party for the performance of your activity, it will be the insurance company that assumes the defense and the economic consequences of said claim.
What are the usual coverages?
- Exploitation Civil Liability. Covers third party claims for damages arising from the activity.
- Subsidiary Civil Liability. Covers claims for damages caused by subcontracted companies.
- Employer Civil Liability / Crusade. Covers claims for damages to own or subcontracted employees.
- Civil liability Post-work / Products. Covers claims for damages arising from completed work or goods delivered to customers.
- Real Estate Civil Liability. Covers claims for damages arising from owned real estate.
- Locative Civil Liability. Covers claims for damage caused to leased property.
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