{"id":9412,"date":"2024-07-10T13:23:44","date_gmt":"2024-07-10T11:23:44","guid":{"rendered":"https:\/\/www.assap.ad\/civil-liability\/"},"modified":"2026-01-15T16:19:15","modified_gmt":"2026-01-15T15:19:15","slug":"civil-liability","status":"publish","type":"page","link":"https:\/\/www.assap.ad\/en\/insurances-andorra\/civil-liability-insurance\/","title":{"rendered":"Civil liability"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Responsabilidad civil&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F3F8FC&#8221; custom_padding=&#8221;0px||0px||true|&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;off|phone&#8221; max_width=&#8221;1301px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column-reverse;&#8221; custom_css_main_element_phone=&#8221;display: flex;||flex-direction: column-reverse;&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;40px|5.5%|5.5%|5.5%|false|true&#8221; custom_padding_tablet=&#8221;30px|8%|9%|8%|false|true&#8221; custom_padding_phone=&#8221;30px|10%|15%|10%|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;||&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;off|desktop&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;||&#8221;][et_pb_code module_class=&#8221;breadcrumb&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><a href=\"https:\/\/www.assap.ad\/en\/\">Inicio<\/a><span class=\"separator\"> &gt; <\/span><a href=\"https:\/\/www.assap.ad\/en\/\">Andorra Insurance<\/a><span class=\"separator\"> &gt; <\/span><span class=\"last\">Inicio<\/span><\/p><\/nav>[\/et_pb_code][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>The best liability insurance<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;35px||40px||false|false&#8221; custom_margin_tablet=&#8221;30px||35px||false|false&#8221; custom_margin_phone=&#8221;20px||25px||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; hover_enabled=&#8221;0&#8243; text_line_height_last_edited=&#8221;off|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Are you prepared for any unexpected events in your daily business?<\/p>\n<p class=\"p1\">Unforeseen events often occur without warning and can cause damage to third parties and complicate your operation. Therefore, it is important to be prepared and take the necessary measures to prevent and mitigate any risk. <\/p>\n<p class=\"p1\">At ASSAP we offer you a complete range of civil liability insurance to protect you against possible incidents that may involuntarily arise from your activity or company.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#solicitar-presupuesto&#8221; button_text=&#8221;Request a quote!&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_css_free_form=&#8221;selector.et_pb_button:hover {background-color: #00538e!important;}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#00538e&#8221; button_bg_enable_color__hover=&#8221;on&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.0&#8243; _dynamic_attributes=&#8221;background_image&#8221; _module_preset=&#8221;default&#8221; background_image=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9mZWF0dXJlZF9pbWFnZSIsInNldHRpbmdzIjp7ImVuYWJsZV9odG1sIjoib2ZmIn19@&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;min-height: 400px!important;||display: block!important;&#8221; custom_css_main_element_phone=&#8221;min-height: 396px!important;||display: block!important;&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;\u00bfEn qu\u00e9 consiste el seguro?&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;84.05%&#8221; width_phone=&#8221;80.05%&#8221; width_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; admin_label=&#8221;Column&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;h2&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;center&#8221; max_width=&#8221;430px&#8221; module_alignment=&#8221;center&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; header_2_text_align_tablet=&#8221;left&#8221; header_2_text_align_phone=&#8221;left&#8221; header_2_text_align_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;left&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>What is liability insurance?<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;84.05%&#8221; width_phone=&#8221;80.05%&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Texto&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;910px&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; hover_enabled=&#8221;0&#8243; text_orientation_tablet=&#8221;left&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;left&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">This is the insurance that protects you and your business against claims that may arise due to financial losses and personal or material damages that you yourself or the activity derived from your business may have caused to a third party. The policy also covers any legal proceedings and necessary legal assistance. <\/p>\n<p>We offer specific coverage for <a href=\"#empresa\">operational public liability<\/a> and <a href=\"#profesiones-liberales\">professional liability<\/a> for self-employed professionals. Liability insurance is mandatory for all businesses, shops, companies, SMEs, self-employed workers, and independent professionals.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Empresas&#8221; module_id=&#8221;company&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;0px||0px||true|&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#1E608E&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;off|phone&#8221; max_width=&#8221;1301px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_intensity_slide=&#8221;20%&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element_last_edited=&#8221;off|phone&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/07\/responsabilidad-civil-empresas.jpg&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;min-height: 400px!important;||display: block!important;&#8221; custom_css_main_element_phone=&#8221;min-height: 396px!important;||display: block!important;&#8221;][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;6.5%|5.5%|5.5%|5.5%|false|true&#8221; custom_padding_tablet=&#8221;9%|8%|9%|8%|true|true&#8221; custom_padding_phone=&#8221;15%|10%|15%|10%|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;||&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;off|desktop&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;||&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Companies<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;h3&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;4%||||false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;&#8221; header_3_font_size_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>What does the operating liability policy cover?<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;35px||40px||false|false&#8221; custom_margin_tablet=&#8221;30px||35px||false|false&#8221; custom_margin_phone=&#8221;20px||25px||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; hover_enabled=&#8221;0&#8243; text_line_height_last_edited=&#8221;off|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">The operating liability policy covers damages and losses caused by your company to third parties in the course of your business activity, and includes property damage, personal injury and economic losses. It covers compensation and legal costs arising from possible claims for this liability, and is intended for companies. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#solicitar-presupuesto&#8221; button_text=&#8221;I am a company&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_css_free_form=&#8221;selector.et_pb_button:hover {background-color: #00538e!important;}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#00538e&#8221; button_bg_enable_color__hover=&#8221;on&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Profesionales liberales&#8221; module_id=&#8221;independent-professionals&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;0px||0px||true|&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;off|phone&#8221; max_width=&#8221;1301px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_duration=&#8221;2000ms&#8221; animation_intensity_slide=&#8221;20%&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column-reverse;&#8221; custom_css_main_element_phone=&#8221;display: flex;||flex-direction: column-reverse;&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;6.5%|5.5%|5.5%|5.5%|false|true&#8221; custom_padding_tablet=&#8221;9%|8%|9%|8%|true|true&#8221; custom_padding_phone=&#8221;15%|10%|15%|10%|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;||&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;off|desktop&#8221; custom_css_main_element_tablet=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;||&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#1E608E&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Independent professionals<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;h3&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; header_3_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;4%||||false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;&#8221; header_3_font_size_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>What does the civil liability policy for liberal professions cover?<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;35px||40px||false|false&#8221; custom_margin_tablet=&#8221;30px||35px||false|false&#8221; custom_margin_phone=&#8221;20px||25px||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; hover_enabled=&#8221;0&#8243; text_line_height_last_edited=&#8221;off|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">This policy guarantees payment by the company of any compensation for which the insured is civilly liable, as well as any legal costs resulting from any lawsuits required of the insured for this type of liability. It is intended for liberal professions. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#solicitar-presupuesto&#8221; button_text=&#8221;I am a freelance professional&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_css_free_form=&#8221;selector.et_pb_button:hover {background-color: #00538e!important;}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#00538e&#8221; button_bg_enable_color__hover=&#8221;on&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/07\/responsabilidad-civil-profesiones-liberales.jpg&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;min-height: 400px!important;||display: block!important;&#8221; custom_css_main_element_phone=&#8221;min-height: 396px!important;||display: block!important;&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;\u00bfQu\u00e9 cubre?&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F3F8FC&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; admin_label=&#8221;Column&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;h2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;||||||||&#8221; header_2_text_align=&#8221;center&#8221; max_width=&#8221;430px&#8221; max_width_tablet=&#8221;350px&#8221; max_width_phone=&#8221;350px&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>What does Civil Liability cover?<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; width_phone=&#8221;85%&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;h3&#8243; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; header_3_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; min_height=&#8221;90px&#8221; min_height_tablet=&#8221;&#8221; min_height_phone=&#8221;&#8221; min_height_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;&#8221; header_4_font_size_phone=&#8221;&#8221; header_4_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Coverages included<\/h3>\n<p>With and without deductible *<\/p>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Civil liability for exploitation&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">The operating liability policy covers damages and losses caused by your company to third parties in the course of your business activity, and includes property damage, personal injury and economic losses. It covers compensation and legal costs arising from possible claims for this liability, and is intended for companies. <\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Professional civil liability&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">This policy guarantees payment by the company of any compensation for which the insured is civilly liable, as well as any legal costs resulting from any lawsuits required of the insured for this type of liability. It is intended for liberal professions. <\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;60px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;h3&#8243; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; header_3_text_align=&#8221;center&#8221; min_height=&#8221;90px&#8221; min_height_tablet=&#8221;&#8221; min_height_phone=&#8221;&#8221; min_height_last_edited=&#8221;on|tablet&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;&#8221; header_4_font_size_phone=&#8221;&#8221; header_4_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Additional coverages<\/h3>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Employer&#039;s civil liability&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This coverage offers protection to companies in the event of legal claims for damages caused to their employees or third parties in the course of their work.<\/p>\n<p>We will pay compensation for any work-related accidents suffered by any of your employees, provided that they arise from the same activity.<\/p>\n<p><em>For example, if you own a construction company and your employee is injured in a work accident while performing work.<\/em><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Subsidiary civil liability&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This insurance covers situations where a company is legally responsible for damage or injury caused by a third party, such as an employee or subcontractor.<\/p>\n<p>We cover the legal costs and compensation to third parties that may arise from a civil liability claim against the insured company.<\/p>\n<p><em>For example, if you own a construction company and you subcontract a company to carry out painting work on a building and one of their workers suffers an injury at work due to a lack of adequate safety measures.<\/em><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Product liability&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">This insurance covers companies that manufacture, distribute or sell products in case they cause harm to consumers.<\/p>\n<p>We handle potential liability claims, which may include medical expenses, loss of income, property damage and other economic losses caused to consumers as a result of using a defective product.<\/p>\n<p><em>For example, if you have a home appliance manufacturing company and you sell a washing machine model with a manufacturing defect that causes a fire in a customer&#8217;s home.<\/em><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Civil liability for entrusted assets&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p class=\"p1\">This insurance protects companies or individuals who have been entrusted with<span class=\"Apple-converted-space\">  <\/span>the temporary custody, use or care of property owned by a third party that is damaged or lost, such as a moving company, auto repair shop or equipment rental company.<\/p>\n<p>We will bear the costs associated with the repair or replacement of the goods, as well as any additional expenses that may arise as a result of their loss or damage.<\/p>\n<p><em>For example, you are a mechanic and you accidentally damage your client&#8217;s car.<\/em><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Civil liability for pre-existing assets&#8221; open_toggle_text_color=&#8221;#1E608E&#8221; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#1E608E&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; open_icon_color=&#8221;#1E608E&#8221; open_toggle_icon=&#8221;&#x4b;||divi||400&#8243; admin_label=&#8221;Responsabilidad civil de exportaci\u00f3n&#8221; module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#1E608E&#8221; title_font=&#8221;||||||||&#8221; closed_title_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; body_text_color=&#8221;#1E608E&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;&#8221; title_font_size_phone=&#8221;&#8221; title_font_size_last_edited=&#8221;on|desktop&#8221; closed_title_font_size_tablet=&#8221;&#8221; closed_title_font_size_phone=&#8221;&#8221; closed_title_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;18px&#8221; body_font_size_phone=&#8221;15px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>This insurance covers companies that work on properties that already have certain pre-existing assets, such as buildings, land, machinery, among others.<\/p>\n<p>We assume the costs arising from any damages that may be suffered by these pre-existing assets during the course of the insured company&#8217;s activity.<\/p>\n<p class=\"p1\"><i>For example, you are a builder and you damage an existing pipe on the plot.<\/i><\/p>\n<p>[\/et_pb_toggle][et_pb_text module_class=&#8221;lista&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221; custom_padding=&#8221;|||20px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Others depending on the activity<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;10px&#8221; text_line_height=&#8221;1.3em&#8221; max_width=&#8221;380px&#8221; text_font_size_tablet=&#8221;10px&#8221; text_font_size_phone=&#8221;10px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>* Coverage and services are subject to the terms and conditions applicable to your insurance. This section has no contractual value. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#solicitar-presupuesto&#8221; button_text=&#8221;Request a quote!&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#00538e&#8221; button_bg_enable_color__hover=&#8221;on&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><a href=\"https:\/\/www.assap.ad\/en\/\">Inicio<\/a><span class=\"separator\"> &gt; <\/span><a href=\"https:\/\/www.assap.ad\/en\/\">Andorra Insurance<\/a><span class=\"separator\"> &gt; <\/span><span class=\"last\">Inicio<\/span><\/p><\/nav>The best liability insuranceAre you prepared for any unexpected events in your daily business? Unforeseen events often occur without warning and can cause damage to third parties and complicate your operation. Therefore, it is important to be prepared and take the necessary measures to prevent and mitigate any risk. At ASSAP we offer you a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5636,"parent":9426,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categoria-seguro":[27],"class_list":["post-9412","page","type-page","status-publish","has-post-thumbnail","hentry","categoria-seguro-empresas"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/pages\/9412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/comments?post=9412"}],"version-history":[{"count":18,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/pages\/9412\/revisions"}],"predecessor-version":[{"id":13480,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/pages\/9412\/revisions\/13480"}],"up":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/pages\/9426"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media\/5636"}],"wp:attachment":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media?parent=9412"}],"wp:term":[{"taxonomy":"categoria-seguro","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/categoria-seguro?post=9412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}