Whether you are an entrepreneur or a freelancer, you work hard every day for your customers. However, an accident can happen at any time, with potentially serious consequences. Imagine a passerby being injured by falling materials on a construction site, or a customer tripping over a cable in your store. A small incident can lead to significant costs for your business, as well as for you and your family.
With Business Liability Insurance, these risks are covered. You won’t have to personally bear the costs of damages caused to third parties. For example, if a paint can falls from your ladder and injures a passerby, or if you damage a client’s floor while delivering furniture, this insurance has you covered.
IMPORTANT: if an installation defect causes an accident, Business Liability Insurance will cover the damage caused by the accident only, not the defect itself.
This insurance offers three essential coverages: Operational Liability, Entrusted Objects and Post-Delivery Liability. You benefit from comprehensive and customized protection, ensuring the stability of your business in the face of unexpected events. Coverage is available worldwide, with high insured amounts, guaranteeing total peace of mind.
The cost of this insurance is based on your company’s annual revenue. The higher your revenue, the higher the insurance premium, as it indicates that you manage numerous projects and therefore carry more risk. The premium can be adjusted each year based on your updated revenue to best match the reality of your business.
In the event of a claim, it is crucial to quickly contact us, so that we guide you through the necessary steps. Do not accept any responsibility without their prior approval. Finally, this insurance excludes damages caused intentionally, under the influence of alcohol, fines, and penalties, as well as damages not related to the insured activity.
Business Liability Insurance is an essential safety net to protect your business and avoid unforeseen financial consequences.