Civil liability for companies

Professional civil liability insurance

We defend your professionalism

What is professional civil liability insurance?

Our professional civil liability insurance offers protection to professionals in activities such as health, education, engineering, etc. Keep your assets covered against potential direct material or personal damage or financial losses caused to a third party in the course of your activity.

Advantages of this insurance

Flexible

We offer different types of coverage depending on your professional activity: health, veterinary, teaching, engineering and consulting.

Comprehensive coverage

All the coverage you need in a single insurance policy, and criminal defence services, damage claims and a 24-hour telephone helpline.

Flexible

You can split the premium into several instalments, and we will also revalue the coverage amount annually so that it is always optimum.

Coverage of this insurance

Main coverage

Professional civil liability insurance offers coverage for personal damage and losses involuntarily caused to third parties due to or in the performance of your professional activity.

Complementary coverage

Damage to files: material damages that may be caused to the files and documents you hold.
Rented premises: Damage to property leased as a result of fire risks and those usually defined as complementary.
Employees' effects: Damage to the possessions of your salaried staff.
Penalties for data protection breaches: We cover the payments you are obliged by law to pay when sanctioned by the Data Protection Agency for a violation of the Data Protection Act.
Work in European Union countries: Possibility of extending professional civil liability coverage to your activities in European Union countries.
Operations civil liability: Material, personal and economic damage caused to third parties arising from the ownership of the premises and offices intended for professional activities.
Employers' public liability: Claims that may be made by your workers or their rightful holders for damage resulting from work-related accidents.
Criminal defence and claim for damages: Criminal defence, claim for damages, rights relating to the premises, service contract, contracts on movable property, etc. The widest range of coverage for legal defence and claims.
Professional fees claim: Amicable or judicial demand for fees accrued during your professional activity that are unpaid.
Income following professional disqualification: Payment of a monthly subsidy to compensate net income not received during the period in which you remain professionally disqualified.

Coverage as a percentage of the insured capital

Professional: 100%
Damage to files: 10%
Rented premises: 100%
Employees' effects: 10%
Penalties for data protection breaches: Own limit
Work in EU countries: 100%
Operation: 100%
Employers' association: 100%
Criminal defence and claim for damages: includes criminal defence, claim for damages, rights relating to the premises, service contracts, contracts on movable property, employment contracts and telephone helpline.

The indemnity cap for each guarantee is that resulting from applying the percentage indicated to the insured capital. The indemnity cap for all guarantees will be the insured capital.

Learn more about this insurance

FAQs

Who is Professional civil liability insurance intended for?

Our professional liability insurance is specially designed for professionals who carry out their work in any of these areas:

Health: physicians with a higher degree, mixed specialities with or without surgery, non-physicians with a mid-level degree, non-qualified staff, medical centres and other health-related activities.
Veterinary: qualified professionals and veterinary centres.
Teaching: teachers and schools.
Advice, mediation or representation: law professionals and other disciplines.
Engineering: free exercise of the profession dependent on private, public or state companies and technical offices.

What is income following professional disqualification?

This optional cover consists of financial compensation that you can receive in the event of professional disqualification through a definitive resolution due to events that occurred during your professional practice and while the insurance was in force.

This indemnity will be provided in the form of a monthly subsidy to compensate for net income not received during the period in which you are professionally disqualified.