Civil liability for companies

Property civil liability insurance

Protect your assets

What is Property civil liability insurance?

Because unexpected situations can arise in our day-to-day lives that we have to respond to, we offer the solution so as not to compromise your property and assets in the event of possible claims for damages, with the very best legal defence, thanks to our Property civil liability insurance.

Advantages of this insurance

Different modalities

So you can choose your policy from a number of options

Expenses covered

Whether compensation in the event of bodily harm to third parties or material damage to other assets, such as those arising from your legal defence and possible deposits to be paid.

Comprehensive legal protection

Including criminal defence and claim for third-party damage.

Our Civil liability for properties insurance

Family civil liability

Coverage for your actions in your private life as the head of your family, responsible for the people who depend legally on you.

Properties

Includes civil liability as owner, tenant or beneficial owner of the insured home. We offer different product types depending on the type of property:

Main home: flat, terraced or detached family house.
Buildings: residential (with or without commercial premises), shops, offices and industrial.
Commercial premises: shops, offices, industrial or warehouses.
Other properties: estates, industrial estates and undeveloped plots.

Pets

If you own a pet, you can include this guarantee to cover this kind of civil liability in your personal life.

Surface fishing or underwater fishing

Choose depending on the activity you carry out. With this coverage we guarantee material and body damage, as well as any economic damages when practising this sport privately. Protection includes Spain, Andorra and European Union countries.

Land vehicles

Whether you own or use any of the following types of vehicles:

Vehicle with animal traction.
Bicycles, tricycles and bicycles with assisted pedalling.
Manual and electric wheelchairs.

FAQs

Who is this insurance for?

Designed for people, with or without a family, who are looking for an insurance policy that defends their interests in the event of claims for damages caused to third parties in their private life.

In addition, this is an insurance policy through which Plus Ultra Seguros would have to bear the risk of any costs arising from any damages caused to third parties, which, in certain circumstances, may not even be affordable for the insured party, in such a way that said claims for damages do not have an impact on your finances.

What guarantees does our private and property civil liability insurance offer?

This insurance offers cover in the event of claims for damage to third parties, including legal and extrajudicial expenses, defence costs and any judicial bonds to guarantee your civil liability.

The principal guarantee consists of the payment of any compensation that the policyholder would be liable for in the event of damages caused to third parties.

On the other hand, if the policyholder is required to go to court because of claims filed by an injured party, Plus Ultra Seguros would cover the costs and legal expenses incurred, as well as the fees for lawyers and other professionals involved. In addition, if it is necessary to establish bonds, this would also be covered, as well as any out-of-court costs incurred with respect to the claim itself.

What activities can be covered by property civil liability insurance?

Property civil liability insurance covers the insured party for their liability for any damages to property or personal injury caused to third parties, since all individuals or companies are obliged to compensate said damages.

This protection can help you in situations such as:

If you are in a commercial premises and involuntarily damage an item for sale.
If your child breaks a neighbour's window while playing or causing harm to another person.
If your pet harms a friend who is visiting you at home.
If you are riding your bike and cause a traffic accident.