Public Liability Insurance for Companies and SMEs

As specified in the Civil Code, civil liability is defined as the obligation to repair the damage and/or harm caused to a person or persons. This damage may be caused by a breach of contract (contractual liability) or by the occurrence of a harmful event without a prior contractual link (non-contractual liability).

Liability insurance is aimed at companies operating in the following segments:

• Construction-related activities: insulation and protection of buildings, roofs and roofing, metal carpentry, masonry work and renovations, electrical installations, installation of solar panels, etc.
• Non-construction: assembly of furniture in homes and commercial premises, repair of household appliances, electronic equipment, industrial equipment, stone working and manipulation, etc.
• And many other activities for which we can offer solutions. Contact us to receive a proposal.

Civil Liability insurance covers personal injury, material damage and the financial consequences caused to third parties as a result of an accident or work not carried out correctly and which generates a damage. 

In addition to coverage designed to meet the needs of the self-employed and SMEs, the main value proposition is our service.

Taking out an insurance policy through Op de Beeck & Worth means having personalised advice in your language and knowing that whenever there is an incident, your insurance broker will look after your interests.

The main Liability coverages are:

• Public Liability.
• Rental Liability.
• Property Liability.
• Subsidiary Liability of Motor Vehicles.
• Subsidiary Liability of Contractors or Subcontractors.
• Transport of Goods.
• Accidental contamination Liability.
• Technical Professionals on Staff Liability.
• Damage to confined Objects (except transport activities).
• Machinery or vehicles that do not require compulsory TPL.
• Damage to third parties arising from fire, explosion and water.

In addition the following may be included:

• Employer's Liability (including workers of temporary employment agencies).
• Cross Liability.
• Pure Patrimonial Damages.

Our service includes an advisory stage where we listen to the client's needs, assess and search for the best protection options adapted to their activity.

Afterwards, our clients have access to an exceptional service where they can manage and modify their policy if necessary, as well as direct attention in the event of a claim. No need to talk to machines. As your broker and advisor we accompany you and defend your interests against the insurance company.

In addition to this, we provide an excellent service in different languages. 

You can leave your contact details in the form below and we will call you back. Or you can call or write to us directly and tell us your needs.