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Commercial liability insurance

ULTIMATE PROTECTION AGAINST CLAIMS

An error in someone’s day-to-day work can occur in an instant. If this results in personal injury or damage to property, then your company is liable with all its assets. With commercial liability insurance, you protect yourself against claims for damages.

Generali commercial liability insurance

 

Avoid unnecessary risks

Commercial liability insurance is one of the most important forms of insurance for any business. It pays out claims from third parties arising from personal injury and damage to property. If unjustified claims are made against your company, it defends against these. Claims for damages vary greatly in nature and represent a risk that is hard to assess, because they can quickly become very expensive. Taking out the right insurance protection with commercial liability cover is therefore well worth your while.

 

 

What is insured?

Commercial liability insurance covers financial claims that are brought against your company under public liability law. The insurance also covers the cost of obtaining advice, lawyers’ fees and court costs. Cases can arise for a variety of reasons:

  • Hazards on your premises, e.g. if a customer is injured by an object
  • Risks due to poor workmanship or mistakes by employees, e.g. a restorer destroys a customer’s grandfather clock with the paint used
  • Hazards arising from sudden environmental events

 

What add-ons are available?

If you take out multiple modules, you can benefit from an attractive combined package featuring commercial liability, business interruption and technical insurance.

How you benefit

  • Financial protection against claims
  • Legal defence against unjustified claims
  • Combined discount when you take out multiple modules: attractive combined package with business inventory, business interruption and technical insurance is possible.

How commercial liability insurance works

 

PRACTICAL EXAMPLE

Anergie AG is holding an open day at which it gives a live demonstration of the latest developments in heat generation. An employee has screwed the machine together incorrectly. Unfortunately, a sharp object works loose and hits a visitor on the back of the head. She has to be admitted to hospital immediately, and examinations indicate moderate concussion and suspected whiplash. Anergie AG is responsible for this. The visitor pursues large claims for damages. Thanks to its commercial liability insurance, the fledgling company does not have to pay out itself, but knows that it is properly protected.

FREQUENTLY ASKED QUESTIONS

Commercial liability insurance is one of the most important forms of insurance for any business. Especially in the case of personal accidents, claims can quickly reach seven figures. Commercial liability insurance is compulsory is some industries. We would be happy to assess your particular situation for you.

All employees and your company, encompassing the risks associated with its equipment and facilities, products and operations.

Additional options

Protects your business against legal and financial risks in the event of disputes.

Protects your business against losses from damage to inventory.

Protects your business against financial losses caused by business interruptions.

Protects your business against loss of revenue in the event of mechanical failures.

Useful documents