Installer
A leak appears months after a plumbing installation.
Completed operations liability
Damage to the home and to affected neighbours.
Public liability
A third-party claim should not put your business at risk.
- Employer's
- Covered
- Products
- Post-delivery
- Legal expenses insurance
- Included
From damage to compensation.
A customer who slips, a product that fails, an employee who has an accident and claims over and above Social Security. Liability insurance covers the compensation and, just as importantly, legal defence and any bonds required in the proceedings.
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The damage
A customer slips on your premises, a product fails or an employee has an accident.
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The claim
The injured party demands that the company make good the damage, including damage caused by its employees at work.
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The defence
The policy provides lawyers and experts, and posts court bonds if the proceedings require them.
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The compensation
If liability is established, the policy pays compensation up to the agreed limit.
The covers, one by one.
What each one covers and when you need it.
Who is claiming against you?
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Public liability
Third-party damage arising from day-to-day activity: a customer who slips, damage caused at a customer's home.
Claims A customer or third party
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Employer's liability
Claims by injured employees over and above what Social Security covers.
Claims An employee
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Product liability
Damage caused by a product manufactured or distributed, once delivered.
Claims A customer or third party
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Completed operations liability
Damage that appears after an installation or repair has been completed.
Claims A customer or third party
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Tenant's liability
Damage to the leased premises where you operate.
Claims The landlord
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Defence and bonds
Lawyers, experts and court bonds, in addition to compensation.
Claims Any claim
What your policy can include
- Public liability for your operations
- Employer's liability to employees
- Products and completed operations liability
- Tenant's liability for damage to leased premises
- Legal defence and court bonds
- Cover for subcontractors
Código Civil (Spanish Civil Code), articles 1902 and 1903
Whoever causes damage must make it good.
The Spanish Civil Code states that anyone who, through an act or omission, causes damage to another through fault or negligence is obliged to make good the damage caused.
For a business, this includes the acts of its employees in the course of their work. The liability policy is what takes on that obligation.
- Liability for your own acts
- Liability for employees
- Legal defence included in the policy
Typical claims.
Manufacturer
A defective component damages a customer's machine.
Product liability
Compensation and defence against the claim.
Workshop
An employee is injured and makes a claim against the company for inadequate safety measures.
Employer's liability
Defence and, where applicable, additional compensation.
What limit to choose
There is no one-size-fits-all figure. It depends on your activity, your clients and what contracts and tenders require of you.
We propose sensible limits and explain what each band involves.
Frequently asked questions.
What is employer's liability?
It covers what an injured employee claims from the company over and above what Social Security pays. In practice, it is one of the most frequently triggered covers.
Does it cover what I manufacture after delivery?
Yes, with product and completed operations cover. For manufacturers and installers it is essential.
What limit should I choose?
It depends on your activity, turnover and type of clients. We propose a well-reasoned limit, not the highest one to inflate the premium.
A well-covered claim is a claim that does not keep you up at night.