Civil Liability Insurance
Under this policy, the insured is compensated for any material or bodily harm caused to a third party as a result of their presence within the insured premises.
- Accidental death, bodily injury, ailment, or accidental illness affecting a third party.
- Accidental direct damage to third-party property.
- Legal liability: Covers the insured’s legal liability in the event of death or bodily injury to any third party, and damage to third-party property resulting from the facility’s performance of its business activities.
- The product compensates the insured for the amounts they may have invested in their lifetime project in the event of its loss.
- It also compensates neighbors or visitors to the project in case they are harmed, helping to reduce the burden on the project owner.
o تأمين المسؤولية تجاه الغير: يغطي الأضرار التي قد تسببها لشخص أو ممتلكات خارجية.
o تأمين المسؤولية المهنية: يغطي الأخطاء المهنية التي قد تؤدي إلى أضرار مالية أو قانونية.
o تأمين مسؤولية المنتجات: يغطي الأضرار الناتجة عن استخدام منتج معين أنتجه أو وزعه المؤمن له.
o تأمين مسؤولية الشركات: يوفر الحماية للشركات تجاه المطالبات القانونية من قبل الأطراف الثالثة.
Individuals, professionals, business owners, and companies are the primary beneficiaries of this insurance, as it protects them from compensation costs and legal claims related to damages they may cause to others.
The insured must immediately report the incident to the insurance company and submit the required documents, such as a police report or incident report. They must then follow the claim procedures, which typically involve providing proof of damage and reviewing liability.