Civil liability for companies

Civil liability insurance for industries

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What is civil liability insurance for industries?

With our civil liability insurance for industries, you will be protected from any financial losses resulting from personal and material damage caused to a third party in the course of your industrial activity. This insurance also includes criminal defence and claims management.

Advantages of this insurance

All the guarantees you need

Enjoy, in a single policy, all the coverage and services you may need to manage any third-party claims related to your business.

Revalued coverage amount

Each coverage amount in your insurance will be revalued annually so that you always have full protection.

D&O protection

Civil liability insurance for industries also offers protection to directors and officers against claims from partners, shareholders, customers, etc.

Coverage of this insurance

Operations civil liability

This is the extra-contractual civil liability that you may bear as a result of personal or material damage and the resulting economic damage caused accidentally to third parties in the normal course of your activity.

Optional coverage for claims

When you take out the operations civil liability, you can include optional guarantees to protect you from any claims from:

Subcontractors: damage caused to third parties by persons or companies to which some or all work carried out has been entrusted.
Goods in deposit: damage caused to goods that, for their storage or sale, are in your possession and are the property of third parties.
Goods handled: damage caused to goods owned by third parties that are in your possession for their repair, cleaning, servicing or maintenance.
Rented premises: damage to leased property as a result of fire risks and those usually defined as complementary.
Employees' effects: damage to the possessions of your salaried staff.

Defence and claims

Includes criminal defence, claim for damages, rights relating to the premises, service contracts, contracts on movable property, employment contracts, defence in administrative matters, claims in supply contracts and telephone helpline.

This guarantee includes optional defence before the Labour and Social Security Inspectorate.

Civil liability for directors and officers (D&O)

Specific optional coverage to protect directors and senior officers in relation to your company whose interests may be at risk in the event of claims by:

Partners and shareholders, due to mismanagement or having made the right decisions in the management of the company.
Customers, because they have not received the agreed service or provision.
Creditors and suppliers, due to non-payment, breach of commercial agreements, etc.
Its own employees, for dismissals, contractual breaches, discrimination, harassment, etc.

Products and work civil liability

Damage caused by products manufactured, delivered or supplied, after delivery to customers or third parties, as well as for work after delivery due to faults occurring before delivery.

You can also customise this coverage to your interests and protect your exports worldwide.

Employers' public liability

This is the liability form that protects you from claims made against you or your workers for damage caused by work-related accidents.

Civil liability for breach of the Spanish Data Protection Act (LOPD)

This coverage will apply to administrative sanctions for breach of the Data Protection Act, as contemplated in the current sanctions regime, depending on the severity of the offence.

Learn more about this insurance

FAQs

Who is civil liability insurance for industries insurance intended for?

This insurance is designed for companies that want to protect their assets from accidents and unforeseen events that may occur in the course of their activities, which may cause damage to third parties and which they must respond to financially.

Our insurance offers guarantees adapted to your business, arranged into three main blocks: relating to your property, your facilities or your activities. Contact your advisor and get the policy that best fits your needs.

When might you need this insurance?

There are numerous circumstances that may arise when you carry out your business activity where you may require this insurance:

As a result of a workplace accident, the employee of the insured person causes bodily harm.
A worker unloading goods damages a parked vehicle.
The products delivered by the insured person to consumers are damaged or in poor condition, causing personal damage.
While the insured person is engaged in an industrial activity, he/she causes a fire in the customer's building.