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Civil liability

ASSAP civil liability insurance covers economic, personal, and material damage caused to third parties for which the employer or self-employed is responsible.

We offer specific operational third-party liability cover and civil liability for independent professionals. Insurance that covers damages to third parties caused by the work of subcontractors.

Civil liability

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What does cover: Civil liability?

CoverWITH AND WITHOUT EXCESS * *

Operational third-party liability cover

This policy guarantees payment by the company of indemnities for which the insured is civilly liable, as well as legal expenses resulting from possible lawsuits demanded of the insured for this type of liability. Damages caused during the course of operations

Professional civil liability

This policy guarantees payment by the company of indemnities for which the insured is civilly liable, as well as legal expenses resulting from possible lawsuits demanded of the insured for this type of liability. Aimed at independent professionals (e.g. health professionals, lawyers, etc.).

Cover additional

Employer civil liability

Insurance that covers damages suffered by an employee in the exercise of their functions at the service of the insured.

Vicarious liability

Insurance that covers damages to third parties caused by the work of subcontractors.

Product liability

Civil liability for entrusted property

Civil liability for pre-existing assets

Other damages caused as a function of operations

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* Cover and services subject to the terms and conditions applicable to your policy. This section has no contractual value.

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HERE ARE SOME EXAMPLES OF WHAT WE CAN DO FOR YOU. AND IF...

An accountant submits documentation for a return late.

An accountant submits documentation for a return late.

We assume the economic expense of the damage done.

A physical therapist causes injury to the patient as a result of a massage.

A physical therapist causes injury to the patient as a result of a massage.

We cover the medical expenses of the client.

A painter drops his paint can on a parked car.

A painter drops his paint can on a parked car.

We assume the cost of damage incurred.

An electrician passing a pipe damages the ventilation system.

An electrician passing a pipe damages the ventilation system.

We cover the cost of repairs to the system.