Category Archives: Liability Insurance – Spain

WHAT IS EMPLOYEE´S LIABLILITY? – SPAIN

The employee’s liability certificate covers the claims of employees in the case of an accident either at work or in itinere.  The employee may claim the company or the contractor for compensation if he considers the damage has been caused by its negligence.  Though employees are not legally considered as third parties for their companies, Leer más

WHAT IS PUBLIC LIABILITY? – SPAIN

Public liability is the insurance term that refers to general liability.  Liability insurance policy show the coverage of material and/or personal damages caused to a third party by an individual or a company by means of its workers.  Public liability is the basis of most liability insurance policies with the exception of those where the Leer más

WHAT IS EXTRA-CONTRACTUAL LIABILITY? – SPAIN

Extra-contractual liability arises from the obligation of not causing damages to third parties. When unintentionally someone causes a material, personal or economic damage to a third party, no matter whether it affects their personal or professional life, there is the obligation to compensate for the damage.  Extra-contractual liability is covered by liability insurance, as it Leer más

WHAT IS CONTRACTUAL LIABLITY? – SPAIN

There is a difference between contractual and extra-contractual liability. The contractual liability arises from the rights and obligations two or more parties undertake when signing a contract.  One part will be bound to deliver one or several specific items, or to render a service within a given time, in a specific place and at a Leer más

WHAT IS LIABILITY? – SPAIN

The answer to the question, What is liability? appears in the Spanish Civil Code. Translating it to a more understandable language it means “that who breaks, pays”.  Whoever causes a material, personal or economic damage has to repair the damage by means of compensation. No matter whether it is hitting someone, causing property damage, loss Leer más