Definition of professional liability insurance and scope

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Discover our guide on Professional Liability to help you see things more clearly. Is it compulsory to take out professional liability insurance? Some professionals are required to take out professional liability insurance. These include the liberal professions (health, law, accounting) and consulting professions (insurance, tourism, real estate, etc.). Of course, construction professionals are also concerned: electricians, plumbers, heating engineers, masons, roofers, etc. For other professions, taking out professional liability insurance is not mandatory. However, it is strongly recommended. All craftsmen, as well as shopkeepers, restaurateurs and self-employed people are encouraged to protect themselves with this type of contract.



Furthermore, associations are often required indonesia phone number list to produce a Civil Liability certificate when they undertake actions in public spaces: gatherings through forums, food collections in supermarkets, etc. of application Professional Civil Liability is triggered when damage is observed by a third party and caused by a professional in the course of their professional activity. The nature of the damage can vary: Personal injury: a customer is injured; Material damage: equipment belonging to a third party is damaged; Immaterial damage: financial loss due to computer operating errors, faulty advice, etc.



Professional liability insurance coverage is quite broad depending on your contract: late delivery, professional misconduct, non-conformity of products, infringement of image rights, etc. Depending on your profession, certain specificities will be essential to fully cover your activity. Coover: your online insurance broker Finding the right professional liability coverage is sometimes difficult, especially when you are self-employed and your days are already very busy. Pappers, the online platform that gives you all the information on companies, has set up an online brokerage service. Using a broker is the assurance of finding the contract that suits you.