What makes our civil liability insurance for professionals different
Professional Civil Liability insurance protects the assets of professionals in the field of health, education, engineering and many other activities, in the event of causing direct material or personal damage to a third party in the course of their activity.
What Professional Civil Liability insurance covers
Professional Civil Liability insurance offers coverage for personal damage and losses involuntarily caused to third parties due to or in the performance of your professional activity.
Damage to files: material damages that may be caused to the files and documents you hold.
Leased premises: damage to property leased as a result of fire risks and those usually defined as complementary.
Employees' effects: damage to the possessions of your salaried staff.
Penalties for breach of the Spanish Data Protection Act: payment of the amounts resulting from penalties imposed by the Spanish Data Protection Agency for breach of the Data Protection Act is guaranteed.
Work in European Union countries: possibility of extending professional civil liability coverage to your activities in European Union countries.
Operations civil liability: material, personal and economic damage caused to third parties arising from the ownership of the premises and offices intended for professional activities.
Employers' civil liability: claims that may be made by your workers or their rightful holders for damage resulting from work-related accidents.
Criminal defence and claim for damage: criminal defence, claim for damages, rights relating to the premises, service contract, contracts on movable property, etc. The widest range of coverage for legal defence and claims.
Professional fees claim: amicable or judicial demand for fees accrued during your professional activity that are unpaid.
Income following professional disqualification: payment of a monthly subsidy to compensate net income not received during the period in which you remain professionally disqualified.
FAQs
If you have taken out this coverage, you can apply for it provided that the disqualification is the result of a final criminal sentence for events occurring during the performance of your professional duties. Furthermore, the event giving rise to the sentence must have occurred during the term for which the insurance policy is valid.
Our Professional Civil Liability insurance offers various coverages that are adapted to suit the following risk groups:
- Health: physicians with a higher degree, mixed specialities with or without surgery, non-physicians with a mid-level degree, non-qualified staff, medical centres and other health-related activities.
- Veterinary: qualified professionals and veterinary centres.
- Teaching: teachers and teaching centres.
- Advice, mediation or representation: law professionals and other disciplines.
- Engineering and architecture: free exercise of the profession dependent on private, public or state companies and technical offices.
It will be governed by the current sanctioning regime that lays down three types of penalties depending on their seriousness. Thus, the insured amount will be as follows:
- Minor penalty: From €900 to €40,000
- Serious penalty: From €40,001 to €300,000
- Very serious penalty: Up to €600,000