Article 914 of the Civil Code: “anyone who damages a third party is liable for compensation.”
According to Article 914, civil liability is the case where a person causes by act or omission, by negligence, bodily harm and/or material damage to a third party and is obliged to restore it.
Because everyone makes mistakes, a Civil Liability insurance contract is the best protection against any unfortunate circumstances.
Civil liability insurance covers the insured person’s liability for personal injury and property damage, in accordance with the Civil Code for amounts he may be required to pay to third parties.
The categories depending on the risk are:
General Civil Liability
Professional Liability (and for pharmacists, lawyers and accountants)
Employer Liability
Product Liability