The principle of Civil Liability determines that, when we cause harm to someone, we are responsible for compensating for that harm. This concept is extremely important for life in society and is even present inArticle 927 of the Civil Code.
It can be applied in a variety of situations, from the simplest ones in everyday life to the most complex ones that we think will never happen. For example: you might accidentally break a colleague’s pen and have to pay for it. In another case, you might be a construction company that needs to pay for the material damage caused by the construction work to neighboring properties.
Replacing a pen is easy, but to protect your business against greater losses, you can count on Policy Ape’s General Liability Insurance: we offer insurance for a wide range of activities and companies. Learn more about the product and check out all the options below:
What is General Liability Insurance ?
Policy Ape’s Civil Liability Insurance aims to cover material and/or bodily damages accidentally caused to third parties, within the client’s operation and/or during the execution of its activities. In general, the insurance covers both the company and employees and other people who may be involved in unexpected accidents. This ensures greater peace of mind in the workplace.
What are the available modalities ?
To offer solutions in various areas of activity, Policy Ape has 5 General Civil Liability modalities. Learn more about each one:
1. Insurance for Services at Third Party Locations
Designed for companies that provide outsourced services, such as cleaning environments, concierge, access control, conservation of green areas and maintenance of machines and equipment.
Your main coverage covers material and bodily damage caused to third parties during the provision of the service. However, you can also purchase additional coverage that helps in cases of moral and aesthetic damage, death or disability of employees during the provision of the service.
2. Insurance for Surveillance Operations
Ideal for surveillance companies patrimonial, personal or valuables. Your main coverage covers material and bodily damage caused to third parties during surveillance operations. However, you can also purchase additional coverage that helps in cases of moral and aesthetic damage, death or disability of employees during the provision of the service.
3. Insurance for Civil Works and Assembly Services
Recommended for freelance professionals and companies that operate in the construction industry, renovation and installation, assembly or disassembly services. In addition to the main civil liability coverage, it can be contracted to protect against:
- Moral and aesthetic damages;
- Design error;
- Loss of profits due to civil liability;
- Death or disability of employees during the performance of the service;
- Personal belongings of employees under the care of the insured;
- Material damage caused to the owner of the work;
- Water spillage, infiltration and discharge;
- Cross-civil liability;
- Contingent risks of motorized land vehicles.
4. Insurance for Ads and Antennas
If your company owns, manages or rent advertisements and antennas, this insurance is ideal. With it, you guarantee civil liability coverage and can also purchase additional coverage to protect yourself against moral and aesthetic damages and cases of death of employees during maintenance of advertisements and antennas.
5. Insurance for Commercial, Industrial and Service Operations
Intended for companies that operate in the trade, industry and services of the most diverse activities. Whether it is a food factory, a toy store or even a recreational club, your business can count on Policy Ape’s protection.
Like all other insurance policies, it includes civil liability coverage for damages caused to third parties as a result of your business activity. Additional coverage options include the following:
- Moral and aesthetic damages;
- Loss of profits due to civil liability;
- Death or disability of employees;
- Civil liability for national products;
- Product withdrawal due to recall;
- Plan, drawing or project error.
Why choose Policy Ape’s General Liability insurance?
In addition to protecting your company, policy ape offers exclusive advantages: only here can you be protected against damage caused to the property itself, in the areas of Construction and Service Provision, in addition to a broad extension of basic coverage for Commercial, Industrial and Service Operations.