What is civil liability?
The concept of public liability means the obligation to repair damage caused to a third party. It could be damage accidentally caused by yourself. It is also possible that people or things under your responsibility (your employees, your pet or your building) are at the origin.
Why take out liability insurance?
Although it is not compulsory, it is advisable to take out civil liability insurance to avoid paying out of pocket compensation for injured third parties. For example, you are required to compensate someone who has been bitten by your dog or who has been injured by the collapse of your house. This insurance is often included in your contractsHome Insurance and auto insurance.
Points to check before subscribing
Before calculate your rate and thinking about taking out liability insurance, it is advisable to check certain points. Indeed, not all companies offer the same guarantees.
First, remember to check who is covered by the contract and how they are covered. You can add the people who live under your roof, your children who are not yet working, your pets or even the people who look after your children free of charge to the list of insured persons.
It is also advisable to check in the civil liability insurance contract the deductibles according to the type of claim, the exclusions of cover and the cover limits.
Risks covered by civil liability
Liability insurance covers them accidental damage for which you are directly or indirectly responsible. In home and auto insurance contracts, civil liability covers damage caused by the insured or other persons covered by the insurance:
- To other drivers, passengers or pedestrians;
- To owners of property damaged by the insured’s car;
- To housekeepers, gardeners, babysitters or other injured persons in the house;
- To domestic animals;
- To objects.
It is important to note that intentional damage is not covered by civil liability.
Civil liability and home insurance
When you take out home insurance which is, let us remember, strongly recommended when you are an owner, the contract includes civil liability insurance. It covers damage caused to a third party such as a neighbor or domestic workers, by you and those who live with you and by your home.
Choose the formula that suits you according to your needs
Depending on your needs, there are several liability insurance options that you can subscribe to online.
It may already be included in auto and home insurance contracts. For this option, however, it is advisable to check the points mentioned above.
Other formulas exist if you want to take out private life liability insurance. The professionals offer among others child liability insurance, student liability insurance, overseas liability insurance and many more.
For professional liability insurance, the option to choose depends on your industry.
It is advisable to use an insurance comparator which will identify for you the offers available according to your criteria.
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