{"id":8659,"date":"2023-08-22T11:44:00","date_gmt":"2023-08-22T09:44:00","guid":{"rendered":"https:\/\/www.assap.ad\/liability-insurance-who-should-take-it-out-and-why\/"},"modified":"2025-05-29T09:28:25","modified_gmt":"2025-05-29T07:28:25","slug":"liability-insurance-who-should-take-it-out-and-why","status":"publish","type":"post","link":"https:\/\/www.assap.ad\/en\/insurances-andorra\/blog\/liability-insurance-who-should-take-it-out-and-why\/","title":{"rendered":"Liability insurance, who should take it out and why?"},"content":{"rendered":"\n<p>At ASSAP we have the liability insurance adapted to your needs so that you can enjoy peace of mind.<\/p>\n\n<h2 class=\"wp-block-heading\">Taking out liability insurance with ASSAP is synonymous with peace of mind.<\/h2>\n\n<p>In any sector, be it professional, recreational, sports, general or even private or household, <strong>taking out civil liability insurance<\/strong> is <a href=\"https:\/\/www.assap.ad\/es\/seguros-andorra\/responsabilidad-civil-empreses\" target=\"_blank\" rel=\"noreferrer noopener\">a guarantee of peace of mind<\/a>. The contracting of a civil liability insurance <strong>covers any consequence produced<\/strong> by an action you have committed, as an individual, manager, company or self-employed, and <strong>affects third parties or entities<\/strong> of any nature. It is <strong>a key resource to have everything under control<\/strong>, with the protection you want at all times and with the comprehensive and effective support of your insurance company.  <\/p>\n\n<p>The civil liability insurance <strong>will be in charge of covering the damages<\/strong> that the insured party causes to third parties or entities. A common example would be an incident in a household installation, such as a broken water pipe that damages the downstairs neighbor. In this case, the civil liability insurance would take care of the problem in full, <strong>paying the repair bills and avoiding you the steps<\/strong> to resolve the conflict.<br\/>But there are different civil liability insurance policies depending on the type of insured. We explain <strong>the most common ones.<\/strong>   <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_1_LD.jpg\" alt=\"\" class=\"wp-image-5007\" srcset=\"https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_1_LD.jpg 800w, https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_1_LD-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw\" \/><figcaption class=\"wp-element-caption\">Closeup of fractured male hand in plaster signing insurance claim.<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\">Home liability insurance<\/h3>\n\n<p>This is <a href=\"https:\/\/www.assap.ad\/es\/hogar\" target=\"_blank\" rel=\"noreferrer noopener\">the best response for any eventuality<\/a> that occurs in the domestic environment and the damage caused affects other people or homes. <strong>The insurer will be in charge of restoring or repairing the damage<\/strong> so that the affected part is left in the same state as before the incident. In case the damage affects people, <strong>the civil liability insurance<\/strong>, as a general rule, covers the actions that may cause damages by other members of the family or cohabitants of the home. In this policy that includes the civil liability insurance, <strong>several usual coverages can be included in a home <\/strong>such as damages caused by a building, by works, by water leaks&#8230;, and if it includes the <strong>family civil liability<\/strong>, we can find coverages on the personal activity, damages caused by pets or domestic personnel, fire or explosion, etc.  <\/p>\n\n<h3 class=\"wp-block-heading\">Liability insurance for the self-employed<\/h3>\n\n<p>If there is one factor that self-employed workers take into account, it <a href=\"https:\/\/www.assap.ad\/es\/profesiones-liberales\" target=\"_blank\" rel=\"noreferrer noopener\">is personal and economic activity security<\/a>. <strong>Starting a business<\/strong> involves investing a lot of <strong>illusions, work and money that it is better to have well insured<\/strong>. Thus, <\/p>\n\n<ul class=\"wp-block-list\">\n<li>For <strong>self-employed<\/strong> workers, it is necessary to take into account aspects such as operating civil liability, which covers the claims of third parties for your professional work when carrying out your activity.<\/li>\n\n\n\n<li>in case <strong>you have employees<\/strong>, the self-employed must take into account, among others, the coverage of <strong>subsidiary civil liability<\/strong>, which is responsible for accidents that may be caused by the action of a worker that you have hired to fulfill the purpose of your activity.<\/li>\n<\/ul>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_2_LD.jpg\" alt=\"\" class=\"wp-image-5008\" srcset=\"https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_2_LD.jpg 800w, https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_2_LD-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw\" \/><figcaption class=\"wp-element-caption\">Home or real estate insurance protection concept. A man hand stop a wooden dominoes continuous toppled before reaching the house and money. Depicts preventing losses that will occur to the property.  <\/figcaption><\/figure>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_3_LD.jpg\" alt=\"\" class=\"wp-image-5009\" srcset=\"https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_3_LD.jpg 800w, https:\/\/www.assap.ad\/wp-content\/uploads\/2024\/08\/Foto_ASSAP_3_LD-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw\" \/><figcaption class=\"wp-element-caption\">Manufacturer working with electric grinder by workbench<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\">Liability insurance for companies<\/h3>\n\n<p>Whether <a href=\"https:\/\/www.assap.ad\/es\/tecnicos\" target=\"_blank\" rel=\"noreferrer noopener\">small, medium or large, every company must have liability insurance<\/a>. As in the case of self-employed workers, the activities carried out by <strong>a company involve certain risks<\/strong> that cannot always be 100% controlled. This being so, it is necessary to cover aspects that can happen unintentionally, such as a flood, a fire, employee accidents or a bad signaling of a step&#8230; yes, also. Not to mention <strong>coverage for business stoppage<\/strong>, which can have a fatal outcome for the viability of the business if you do not have an adequate policy.   <\/p>\n\n<p>Thus, <strong>it is essential to have liability insurance<\/strong> to be exempt from the economic burdens that may be caused by any unintentional damage committed <strong>in a work environment to a third party<\/strong>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Employer&#8217;s CR<\/strong>, covers personal injury claims of employees in an accident at work.<\/li>\n\n\n\n<li><strong>CR of exploitation<\/strong>, its coverage includes aspects such as damages to third parties during the exercise of the company&#8217;s work.<\/li>\n\n\n\n<li><strong>CR Locative<\/strong>, includes those mishaps that occur within the premises where the business is developed or of an owner while he has rented his premises.<\/li>\n\n\n\n<li><strong>Product liability or post-work liability<\/strong>, which covers claims for damages caused by the product delivered or the service performed once the work is completed.<\/li>\n<\/ul>\n\n<p>As we can see, <strong>there are different types of liability insurance<\/strong> for a multitude of situations and adapted to the needs of each client or business. Liability insurance encompasses an infinite range of possibilities and it is necessary to contemplate any fatality that may be caused or risk suffered. Danger is present in all areas: <strong>personal, professional and business<\/strong>. It is the most contracted insurance format considering its social function, since it can include or be destined to insure from a worker to <strong>a high executive position<\/strong>, the damages caused by a <strong>minor family<\/strong> member <strong>or a pet.<\/strong>   <\/p>\n\n<p>Talk to us, we <strong>will advise you of all the possibilities and the best conditions<\/strong> adapted to your needs, <strong>so that you can achieve the peace of mind you are looking for <\/strong>in all areas of your life.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At ASSAP we have the liability insurance adapted to your needs so that you can enjoy peace of mind. Taking out liability insurance with ASSAP is synonymous with peace of mind. In any sector, be it professional, recreational, sports, general or even private or household, taking out civil liability insurance is a guarantee of peace [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6530,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-8659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/8659","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/types\/post"}],"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=8659"}],"version-history":[{"count":2,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/8659\/revisions"}],"predecessor-version":[{"id":12656,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/8659\/revisions\/12656"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media\/6530"}],"wp:attachment":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media?parent=8659"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/categories?post=8659"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/tags?post=8659"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}