Article 914 of the Civil Code: “anyone who causes damages to 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 to a third party and/or damage to assets of a third party and is obliged to restore it. Because mistakes can be made by anyone at any time and at any place, a Civil Liability contract is the best protection against such circumstances.
The categories depending on the danger are divided into:
- General civil liability (Private and Businesses)
- Professional liability
- Employer liability
- Product liability
Private Civil Liability Insurance
The civil liability of a private person covers parts of your daily activities, which are likely to cause damage to third parties. Incidents such as a third party slipping in your home, breaking a neighbour’s window, damage that can be caused by your pet or bicycle is part of everyday life.
Indicative private liability packages are:
- Pet accidents
- Accidents from the use of bicycles
- Civil liability of private spaces
- Employer responsibility for the employees you employ in your home