GENERAL (NON-CONTRACTUAL) LIABILITY INSURANCE
General (non-contractual) liability insurance covers the liability of the insured, arising from the performance of his registered activity, ownership, possession or certain property of things, legal relationship and for damage due to death, injury to body or health, as well as damage or destruction of property of a third party.
Compensation claims on the basis of liability for death, injury to health and damage or destruction of property of a third party can be enormous and can represent a great burden for business.
Considering that such cases are extremely difficult to predict, and can happen in different situations, even when it is least expected, it is definitely advisable to contract an adequate general liability insurance policy.
PROFESSIONAL LIABILITY – This type of liability covers the civil-legal contractual (professional) liability of the insured for damage caused to injured persons as a result of non-fulfillment, deficient fulfillment or delay in the fulfillment of contractual obligations of the insured.
In other words, damages arising from the provision of professional services that may be committed by the employees of the Insured are covered.
LIABILITY INSURANCE AGAINST THEIR OWN EMPLOYEES
Injuries at work are unfortunately very common, and cases in which injured employees decide to file a claim for compensation or a lawsuit against their employers in the event of an injury suffered at work for which they hold their employer responsible are becoming more and more common.
Sometimes such compensation claims can be very complex and high and can seriously threaten the business of the company, which is why companies are increasingly taking out liability insurance policies for employees.
INSURANCE OF LIABILITY FOR DEFECTIVE PRODUCT
If you are involved in the production or distribution of products, you are exposed to the risk of liability for the correctness and quality of the delivered product to the end customer and for all possible material and/or non-material damage caused to a third party as a result of using such a product.
The liability insurance policy for a defective product insures the insured’s liability for damage due to death, injury to body or health, and damage and/or destruction of property of third parties, which is caused by the use of a defective product that the insured has put on the market.
Qualis Protectus will help you assess your company’s exposure to various risks, choose the right insurance coverage, and negotiate adequate insurance policies, taking into account the intensity and type of activity you are engaged in.
