What makes our construction civil liability insurance different
We have designed the Construction Civil Liability insurance to ensure that, by taking out a single insurance policy, you are fully protected against personal and material damage that you may cause to third parties while carrying out a refurbishment or installation. The people for whom you are contractually responsible will also be included.
What Construction Civil Liability insurance covers
We will take care of indemnities resulting from claims for damage caused to third parties which may arise within the scope of your normal business activity. Among the situations covered are:
- The carrying out of the construction business activities specific to the company whether inside or outside your premises.
- Your employees' actions in the performance of their professional activity.
- Any damage arising from machinery employed in the normal work carried out by the company.
- The storage and transport of goods that are subject to the company's activity.
- Damage that may arise when your company participates in trade fairs and exhibitions
If you employ staff in your activity, you will receive our support when you take out claims arising from personal damage that may arise as a result of a work-related accident.
The completed work civil liability guarantee covers any damage that may arise after the completion and delivery of work or a service, as a result of defects or errors in the work carried out. This coverage includes:
- Material damage to third parties. Cracks in walls, leaks, detachment, subsidence, etc., which appear after the work is delivered.
- Personal injury to third parties. Injuries or deaths caused by defects in the work.
- Legal defence expenses.
If your company has units in rented buildings or premises, we offer you coverage in the event of possible indemnities claimed by the owner for damage caused as a result of fire, explosion or the action of water.
We offer you protection in the event of claims for damages for which you might be liable, caused to third parties by the facilities where your company and its fixed installations are located.
We take on your defence in civil or criminal proceedings as well as judicial and extrajudicial costs and expenses inherent to the claim received. Furthermore, In addition, we cover setting up any bonds required to cover your civil liability.
FAQs
There are countless situations in which having our insurance can be vital to ensure the continuity of your business. Some examples would be:
- When a construction worker accidentally knocks a brick loose and causes material damage to a parked vehicle.
- In the case of bodily injury to a worker due to an accident at work.
- While installing a window, and it falls and causes personal injury to a person walking in the street.
- When carrying out work, a water pipe is broken and damages the home below.
- When welding is being performed and causes a fire.