Civil Liability insurance for self-employed workers and SMEs

The civil liability insurance policy for self-employed professionals and companies lets you deal with damage (financial, material and bodily) caused to third parties in the exercise of your profession:

• Protect your employees, their work and the self-employed worker from damage caused to third parties in the performance of their work.
• Cover​ possible indemnities in the context of the coverage and the defense costs of responding to possible third-party claims, due to financial, material or bodily damage occasioned during the exercise of your professional or employment activity.

We adapt to your needs. Therefore, depending on the nature of your business activity or your SME's activity, you will have access to certain types of coverage.

Here are a few examples of the coverages that professionals and SMEs can enjoy with civil liability insurance:

• Employer's Civil Liability.
• Operational Civil Liability.
• Cross Liability.
• Subsidiary Civil Liability.
• Pollution Civil Liability.
• Professional Civil Liability.
  

See all the coverages

• You can choose an indemnity limit of up to €2,000,000.
• The aggregate yearly limit is three times the insured sum, up to €6,000,000.
• The product offers fixed guarantees that you can supplement with optional guarantees to adapt it to your activity or profession.

To take out this civil liability insurance you must be self-employed or an SME.

And comply with the following quantitative limits depending on the type of activity:

• Maximum turnover of €25,000,000.
• Wages up to €3,750,000.
• Budget up to €7,500,000.
• Up to 2,500 students.
• Fees up to €4,500,000.