Civil liability insurance for entrepreneurs

Business liability insurance

Scope of insurance: covers the entrepreneur's civil liability for damage to persons or property caused to third parties in connection with running a business, using property and introducing a product to the market (civil liability for the product), including:

- civil liability in tort and contract,
- damage caused unintentionally, including as a result of gross negligence,
- lost profits and other losses resulting from an accident, if damage to person or property is covered by insurance,
- damage resulting from an accident that occurred during the insurance period, regardless of the time of filing claims by the injured persons,
- costs of appraisers' remuneration and necessary costs of court defense
- damages occurring outside the territory of the Republic of Poland caused by the Policyholder's employees during business trips
- damages occurring outside the territory of the Republic of Poland caused to consumers by products or services purchased on territory of the Republic of Poland
- damage to real estate of third parties which were used by the insured persons under a rental, tenancy, leasing or other related legal relationship,
- damage caused by subcontractors of the insured persons,
- damage occurring after the performance of work or service resulting from improper performance liabilities,
- damage resulting from the action of explosives, fireworks, pneumatic and hydraulic hammers, pile drivers,
- damage caused by vehicles not subject to compulsory civil liability insurance,
- damage caused to underground installations or devices during the performance of works or services by persons covered by insurance.
The scope of insurance can be extended to include additional risks, including:

- civil liability for damage occurring outside the territory of the Republic of Poland,
- mutual civil liability between persons covered by insurance and between persons covered by insurance and their subcontractors, -
civil liability of the tenant of movable property,
- civil liability of the employer,
- civil liability of the keeper,
- civil liability for damage resulting from emission of hazardous substances,
- civil liability for damage to property subjected to processing or other activities, -
civil liability for damage caused by energy,
- civil liability for damage caused by a semi-finished product,
- civil liability for damage caused by machines or other devices manufactured, - delivered repaired by persons covered by insurance,
- civil liability for damage caused intentionally,
- civil liability for pure financial losses,
- civil liability for the costs of removing and replacing the defective movable item with a defect-free item,
- civil liability for damage caused by vibrations, sliding ground subsidence,
- costs of withdrawing a defective product from the market

In order to obtain precise information, we recommend reading the text of the General Terms and Conditions of Insurance available on the websites of insurance companies. To calculate the premium, please contact our office agent.