What does this insurance cover?

  • Depending on nature of your activity or that of your SME, you may be eligible for the following coverage:

    • Operating liability: Liability that is a direct consequence of the conduct of its business activity or, where applicable, of the private ownership or specific event that is covered by the insurance policy.
    • Real Estate liability: Liability resulting from the ownership of buildings and land or from providing building maintenance or upgrade services.
    • Tenant's liability: Liability that the policyholder may incur from his/her condition as a tenant in the building in which he/she runs his/her business, to the owner of the building, provided that any damage to the building is a direct result of fire, explosion or water.
    • Subsidiary liability: The liability that the policyholder assumes, not directly, for the actions of third parties engaging in the policyholder's activity, and specifically, for the acts of persons who are not employeed directly by the policyholder (subcontractors) or for driving vehicles owned by the policyholder or rented by an employee of our customer.
    • Pollution liability: Liability resulting from accidental acts or omissions that cause pollution occurring no more than 120 hours before said acts or omissions are identified (accidental pollution).
    • Liability for Damages to Nearby Buildings/Conduits: Damage caused to adjoining properties and/or to underground and open air conduits caused by the policyholder's activity.
    • Hot work liability: Damage to third parties resulting from "hot work", such as grinding, radial cutting, soft and hard welding, thawing work with a blowtorch, gluing and coating using hot processes, etc.
    • Liability for damages to third-party property: Damages resulting from storing the customers' personal property within the insured business premises.
    • Liability for damage to vehicles: Damage, theft or destruction of motor vehicles, including fixed accessories, under the control of the policyholder while they are being stored, repaired, cleaned or moved inside the business premises.
    • Test driver liability: The liability resulting from test driving vehicles on public roads, before or during the vehicles' repair, including the transport from the customer's home to the garage and vice versa.
    • Employer liability: A third party is an employee at the service of the policyholder, meaning liability coverage is provided for any personal injury that is caused to them.
    • Cross liability This refers to the liability of the policyholder resulting from bodily harm suffered by employees of contractors and subcontractors of the aforementioned policyholder.
    • Employee property liability: Damages resulting from storing the employees' personal property within the insured business premises.
    • Product liability: Civil liability that may result from damages caused by the products after they are delivered or by the work or services performed.
    • Post-work liability: Liability of the policyholder for damages that occur after work or services are provided.
    • Combination and Mixture liability: Civil liability resulting from damages to outside goods manufactured by mixing or combining the policyholder's products with those from third parties.
    • Replacement liability: The expenses incurred by third parties for replacing products of the policyholder when they are incorporated to or installed in other goods, but in such a way that they can be separated if they are found to be defective
    • Removal liability: The expenses incurred by the policyholder due to procedures and clarifications necessary to avoid foreseeable risks to the health and safety of people, as a result of defects present in the products provided by the policyholder.
    • Professional liability: That liability resulting from the exercise of a closed profession (Lawyers, Judges, City Council Secretaries, Trade Officials, etc.). For example, the loss or destruction of data at a consulting firm.