¿PARA QUE UN SEGURO DE RESPONSABILIDAD CIVIL?

¿Para qué un seguro de responsabilidad civil? Está es una pregunta repetida con frecuencia. Toda actividad humana, es susceptible por acción, negligencia u omisión de producir un daño a un tercero; desde ir paseando y golpear a alguien por un tropezón, hasta hacer mal una operación o instalar mal una tubería. El seguro de responsabilidad Leer más

WHAT IS PRODUCT LIABILITY? – SPAIN

Product liability policy cover the damages products may cause to third parties once they are no longer under the sphere of control of the supplier.  Food products are susceptible of causing personal damage, but any general product, either due to hidden defects or malfunctioning can cause material and/or damages.  The liability policy will vary according Leer más

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