The civil liability that all companies must respond, for damages to third parties, as a direct consequence of the development of their activity.
This main coverage of our business or SME must be complemented, depending on the characteristics of each business, by all or some of the following:
Employer civil liability: Coverage that covers people hired by the company under the general regime and considers them third parties to indemnify in the event that a claim is filed against the company for personal or material damages, as a consequence of a work accident due to negligence or non-compliance of the security measures required by the company.
Subcontractors civil liability: Coverage for damages caused by people subcontracted by the insured company, sometimes to third parties.
