General Civil Liabilities
1.1.1 Civil Liability towards Third Parties
Our actions or those of our children (of of those placed in our custody) can often affect third parties, involuntarily resulting in material damages thereto or bodily injuries thereof.
The general civil liability insurance towards third parties will protect you from these involuntary and unpredicted damages. The protected people will be: you, your family (spouse, minor children) and other people for whom you have legal responsibility (custody). Additionally, the Insurer will also pay for you the legal charges if the damage could only thus be precisely established.
1.1.2 Employer’s Liability towards the Employees
A trading company/ an Employer is responsible towards the employees for the situations in which they suffer occupational accidents or damages to the property thereof, out of the Employer’s negligence, by the failure to take the measures related to the compliance with the legislation on labour protection. Your Insurer will cover the costs that your company would have to bear, as follows:
- For bodily injuries, the expenses necessary for the recovery of the health of the employees who were involved in accidents at the place of employment or expenses related to the death thereof are covered (the alimony/child support that the heirs are entitled to are also included);
- For damages produced to the employees’ property– the expenses necessary for the repair of the employees’ property or the replacement thereof are indemnified;
- The legal charges, in case of resort to the Courts of Law for the settlement of the claim for damages, and they established indemnification incumbent upon you.
1.1.3 Manufacturer’s Liability
In virtue of the applicable legislation, you are responsible if the products manufactured and/or sold by your company present latent defects or manufacturing faults, and the final consumers of these products suffer damages of the type of bodily injuries /death or damages to other property. At the same time, if you or your company delivered products that were not appropriately packed or were not accompanied by correct and complete directions for use and, as a consequence, the beneficiaries suffered damages, you will be bound by the affected people to repair the damages that you produced. In this case, your Insurer will cover the costs that your company would have to bear, as follows:
- for bodily injuries;
- for damages produced to the buyers’ property;
- the legal charges, in case of resort to the Courts of Law for the settlement of the claim for damages, and they established indemnification incumbent upon you;
1.1.4 Tenant’s Liability towards the Landlord
In case you or your company produced damages to the landlord from whom you rented a location where you live/ you perform your activity, you will cover the expenses for the coverage of these damages. The Tenant’s civil liability policy towards the Landlord covers the expenses for:
The landlord’s bodily injuries – the expenses necessary for the recovery of the health thereof, death-related expenses or alimony/child support for the heirs;
- For damages at the location or to the rented property, the expense necessary to bring them to the initial status or for the replacement thereof will be paid;
- the legal charges, in case of resort to the Courts of Law for the settlement of the claim for damages, and they established indemnification incumbent upon you.
1.1.5 Landlord’s Liability towards the Tenant
Things are relatively similar if you are or your company is the Landlord of a location that you rented and the Landlord’s civil liability policy towards the Tenant is taken out.
The Tenant will be indemnified by your Insurer for the damages brought by the building/property thus rented.
1.1.6 Civil Liability of the Service Provider
In your capacity of service provider/ supplier, you undertake both contractually and legally liabilities towards the Beneficiaries of your activity. Your liability is undertaken both in terms of the Customers’ property and in terms of the bodily integrity thereof. Consequently, provided that you produce damage to the heath / bodily integrity / life or patrimony thereof, you will suffer a financial damage, as you are bound to remedy the damage. The coverage area of this policy is very extended. For the detailing thereof, refer to a Safety Broker consultant.
If you have concluded a civil liability policy of the Service Provider, the Insurance Company will pay for you:
- For bodily injuries produced to the Customers /agents thereof, the expenses necessary for the recovery of the health thereof, death-related expenses or alimony/child support for the heirs;
- For damages to the Customer’s property, the expenses necessary to bring them to the initial status or for the replacement thereof will be paid;
- the legal charges, in case of resort to the Courts of Law for the settlement of the claim for damages, and they established indemnification incumbent upon you as service provider.
Professional Civil Liabilities
2.1 The Civil Liability Insurance of Medical Doctors and Healthcare Professionals (MEDICAL MALPRAXIS) as well as the Civil Liability Insurance of the Healthcare Units (Medical Service Providers) towards Third Parties
If you are an individual:
- Holder of the Medical Doctor/ Pharmacist/ Biologist/ Biochemist degree, certified and/or duly sworn in compliance with the specialized legislation;
- Nurse and other categories of healthcare professionals (nursing aids, lab technicians, medical technicians and other professionals with specialized training in the field), certified according to the applicable legislation, you are liable for the medical act for which you are trained and you should practice it in compliance with the medical practice guides. The errors or omissions by default (involuntary) can produce bodily injuries/ death to the patients or the relatives thereof/ damages to property.
In addition to these risks (the damage whereof is more easily quantifiable), you are also exposed to the occurrence of non-patrimonial damages (moral damages), in any of these cases you may suffer damages, these damages can be taken over by the Insurer by the conclusion of an insurance policy for MEDICAL MALPRAXIS.
2.2 Professional Civil Liability Insurance of Certified Accountants, Chartered Accountants, Technical Experts, Financial Auditors, Expert Appraisers and Tax Consultants
The insurance policy cover the damages that the Insured is legally responsible for as a consequence of the perpetration of imprudence or negligence actions within the performance of the professional activity thereof and towards which they file a claim for damages over the insured period.
- The amounts that the Insured is bound to pay as reparation for damages produced by the culpable perpetration of imprudence or negligence actions within the performance of the professional activity thereof and for which they are liable by law;
- The legal charges covered by the Insured in the civil trial;
- The expenses for the remake and/or replacement of the original documents (invoices, payment orders, statements of account, payrolls, cash registers, receipts, balance sheets, etc.) lost, destroyed or deteriorated by the Insured’s fault.
2.3 Lawyers’ Civil Professional Liability Insurance
In virtue of the provisions of the insurance Terms, it covers the damages that the Insured is liable for, deriving from the performance of the lawyer’s activity, by legal assistance agreement according to the legal provisions.
- The risks deriving from the following are covered:
- Practicing the profession of lawyer for any deed producing damages to the client by the negligence actions, errors or omissions committed within the assistance thereof in legal cases;
- Loss or deterioration of the documents delivered by the clients to the lawyers for the support of the case for which they were hired by legal assistance agreement, according to the legal provisions. Within the meaning of these insurance terms, the claims for damages forwarded by the Insured over the validity period of the policy are covered;
The Insurer will indemnify the Insured up to the liability limit set forth in the insurance contract for:
- The amounts that the Insured is bound to pay as reparation for damages produced by the perpetration of negligence actions, errors or omissions within the performance of the activities specific to the profession of lawyer and for which they are liable by law;
- The legal charges covered by the Insured in the civil trial;
- The expenses for the remake and/or replacement of the original documents lost, destroyed or deteriorated by the Insured’s fault.