Businesses are obliged to repair any harm they cause to others.
Liability can arise in a number of circumstances:
It can result from various situations (such as a wrongful action, failure to comply with the terms of a contract, non-performance, etc.), both during the day-to-day running of the business and after delivery of the products it has manufactured, for which it is still liable;
It may be caused by the business itself (because of its activities or premises, for example), the business owner or staff;
It relates to harm caused to all kinds of third party (client, supplier, visitor, etc.);
It can be contractual (non-performance or poor performance of contractual obligations), criminal or quasi-criminal (harms caused outside the contractual framework).
Suisscourtage has access to a team of specialist technical experts, who can advise you on the best type of cover for your requirements:
Civil liability for “occupation of premises”
Corporate officers’ liability (mismanagement, error of fact or in law, breach of regulatory obligations, etc.)
Operational civil liability
Civil liability for environmental harm / environmental damage cover: “pollution”
Physical injury suffered by company representatives: inexcusable action by the employer
Harm caused by company representatives
Product-related civil liability (after delivery or after acceptance)
Withdrawal costs for a product that presents a risk
Collection and redelivery costs for the defective product/hidden defect/error delivered by the business and replacement with a non-defective product.