Liability insurance
Protect yourself and your business from unexpected claims
Even one mistake can lead to significant financial losses.
The insurance company will cover losses you may cause to third parties as a result of your activities
What types of liability can be insured?
Professional liability
For specialists whose work involves providing professional services:
Notaries, Auditors, Accountants, Architects, Designers, Engineers, Appraisers, Consultants, IT specialists and developers
General civil liability to third parties
Protection against claims for damage to life, health or property of third parties resulting from company activities.
Employer's liability
Coverage of employee claims in case of injury or harm to health while performing work duties
Liability of property owners or tenants
For owners of offices, shops, warehouses, production premises and residential property.
Product manufacturer or seller liability
Protection against claims due to defects in goods or products.
Service provider liability
For companies that perform work or provide services to clients.
Event organizer liability
For conferences, exhibitions, festivals, sports and corporate events.
Environmental liability
Coverage of losses related to environmental pollution.
Warehouse operators and logistics companies liability
For companies responsible for storing or transporting clients' property.
Amount and payment of insurance compensation
The amount of insurance compensation is determined based on documents from competent authorities or a court decision. If by court decision the compensation amount exceeds the liability limit under the insurance contract, compensation is paid within the contract limit, and the remainder is paid by the policyholder.
If there is no doubt about the material circumstances of the insured event (the fact of the event and the damage caused, the causal link, the amount of damage, etc.), insurance compensation may be paid through an out-of-court settlement.
Within the limits of the insurance contract, compensation may be provided for expenses incurred to prevent and/or reduce losses, even if the measures taken were unsuccessful. Only financial losses are covered, not material damage. Damage to life, health or property is not covered.
What does the insurance policy cover?
Damage to life and health of third parties
Damage to property of third parties
Court costs
Legal defense costs
Compensation for losses by court decision or out of court
Other expenses provided for by the insurance contract.
Liability insurance request form
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What determines the cost of insurance?
The policy cost is calculated individually and depends on the type of activity, business size, chosen insured amount, coverage territory, number of employees, previous insurance claims, and the risk level of the specific activity.
Can professional liability be insured?
Yes. Professional liability insurance protects against client claims related to mistakes, negligence, or unintentional breaches while performing professional duties. Such a policy is especially relevant for lawyers, notaries, auditors, accountants, architects, engineers, consultants, medical professionals, and IT specialists.
Is liability insurance mandatory?
In most cases, liability insurance is voluntary. However, for certain professions, participation in tenders, international contracts, or licensed activities, a policy may be a mandatory legal or client requirement. Even when insurance is not mandatory, it helps protect the business from significant financial losses in case of third-party claims.
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