Operating civil liability

Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.

Operating civil liability covers the liability your business may incur as a result of its operations. It is coverage for damage you may cause in the course of your business.
If you or your employee, your subcontractor, cause damage to a third party; an object, a material that you use causes damage to a third party, your civil liability is engaged. It is this insurance that will compensate for the damage caused.
Damages can be bodily (injury to the physical integrity of a person), material (destruction of property), and immaterial (consecutive or non-consecutive).
Excluded from this contract are members of your family, your home servants, agents and employees.
Operating CL is different from Professional CL in the sense that your professional civil liability is engaged if a third party suffers damage as a result of your activity or your products. On the other hand, operational CL covers damage caused to third parties in the course of the daily life of the company, without being linked to the performance of your services.
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Professional  civil  liability 

Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.

In the course of your professional activities, the operation of your business, the marketing of your products or their use, or the services you provide, you may cause damage to your customers or other third parties.

This is why a professional civil liability insurance is indispensable. It is a cover, a security. It allows you to secure a long lifespan for your company in the face of major risks. Thanks to it, you can guarantee:

  • body injury,
  • property damage,
  • immaterial damage caused to any natural or legal person.

You have to distinguish between:

  • Operating civil liability

It covers only damage caused in the course of the company’s business.

  • Professional liability

Pro CL covers you when the loss results from the company’s services.
It allows you to answer for an error, fault, omission or any damage to someone or something, as the basis of professional coverage.

The insurance premium for professional civil liability is calculated on the basis of the turnover, staff number and, above all, activities carried out by your company.

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Civil  liability  during  work  and  after  delivery 

Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.

Civil Liability during work and after delivery repairs bodily injury, material, immaterial (consecutive and non-consecutive) damage caused to a third party, in the course of your professional activity.
If you have delivered a product that does not meet the customer’s expectations, in accordance with your specifications; If you deliver a product that causes damage to a customer (Examples: the installation of a faulty meter that explodes and creates a fire at the customer’s home; After the commissioning of a construction site, there is pavement subsidence); Your civil liability is engaged.
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Decennial  civil  liability 

Decennial civil liability insurance is a guarantee that every building constructor (craftsman, property developer, builder, contractor) must take out.
This insurance protects the builder’s civil liability for ten years after the acceptance of the work.
It makes it possible to finance repair work in the event of damage noted by the owner of the work.
This warranty covers construction defects that may compromise the solidity of the structure (example: subsidence of a structure), its habitability (water and airtightness problem), or that may render it unfit for its intended use (example: malfunction of the sewer system).
The decennial guarantee covers the foundation, framework, viability, enclosure and covered works.
It does not cover aesthetic damage, damage resulting from the actions of a third party or related to the behaviour of the building’s occupants.
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