The very concept of general liability is broad and the eventual damages that may be attributed to your liability – numerous. The scope of peril depends on the kind of business – whether it is catering, road maintenance, construction, education, healthcare or other, as well as on some other parameters.
By concluding the general liability insurance, you will be provided with legal and financial protection against both the consequences of well-founded and of the unfounded claims.

The coverage applies to the liability for damages occurring from your business or activities and/or from the possession of objects and/or legal relation and/or a particular feature as a source of peril. This includes, for example, the liability from the use, possession, rental or usufruct of land, business facilities and premises, liability incurred in the use of facilities by your workers etc.
If specially agreed, the insurance shall cover the liability for damage due to theft and pure financial loss as well as the liability for damages due to pollution of land and water.

This insurance covers the civic liability of the Insured against damages occurred due to death, bodily injury or health impairment caused by a medical product administered to or used by the respondent or otherwise as provided under the clinical trials protocol.
An insured occurrence is any event resulting in an unexpected or unintended reaction, accident or other incident, following the respondent’s exposure to conditions and methods defined under the clinical trials protocol.

This insurance covers a future, uncertain events beyond the sole will of the Insured arising from the faulty products, following which a third party could claim damages under your liability for the production and launching of such products.

Coverage includes the liability of owner or holder of the rights of use of the goods that has features of hazardous goods against damages that may occur to third parties during the carriage of hazardous goods which result in death, bodily injury or health impairment, damage to property and items or environmental pollution.
Insurance protection is provided against adverse effects of an explosion, sudden expansion of harmful fumes, leakage of hazardous substances, damages to a transportation vehicle caused by external thermic or chemical effects and other unexpected or uncontrolled events causing the pollution.

The insurance is concluded to the sum insured which represents the indemnity limit per any one occurrence. Sum insured is single sum for personal damages and property damage unless otherwise agreed.  In addition to the sum insured per any one occurrence, there is the aggregate sum insured which represents the total liability of the Insurer for the insurance period and is subject to contracting.
The choice of an adequate sum insured is very important, bearing in mind that it generally represents the maximum possible amount of a third party claim.

The insurance premium amount depends on the selected cover limit, i.e. the sum insured per any one occurrence and in the aggregate, as well as on the source of peril, class of peril, income total and special contracting.

If a third party files a claim for compensation against you, we shall, as the Insurer take the following steps, together with you:

• undertake a defence against the unfounded and exaggerated claims for indemnity
• settle well founded claims and
• reimburse the legal expenses.