Do you need liability insurance?

Do you need liability insurance?


If you are self-employed or own a company, you must have liability insurance in case of an accident. An audience, an entrepreneur, a customer or an employee (if you are an employer) can apply for compensation. As a trader or on-site, you have an obligation to ensure the safety and professional integrity of you around you. Accidents occur, but there will always be unforeseen professionals. You must protect your support if someone claims to you. Otherwise you can lose everything.

Today, our culture, "Where there is debt, there is a claim", and despite the best intentions, accidents will always occur in the workplace and on site, and property damage and property damage. by you or your company. entitled to claim for you.

The most common types of receivables are classified in a small number of categories:

• Ties, travels and falls: they make up most complaints and are difficult to prevent.

• Stress and anxiety, due to delays, such as electrical disturbances or delays in construction projects that affect the next level of merchants. Example: Plasterers spend the end date, which stops the decorators.

• Items that fall, that is, they are affected

Do I need liability insurance?


If your company offers advice, you may also need a "Professional Compensation Insurance" that covers it if you give the wrong advice and as a result, a company or customer would suffer from financial losses. This is also useful for activities such as financial planning, professional consultants and IT consultants. This is not in place of liability insurance, some operations will need both.

Do I need liability insurance for employers?


If you hire an employee, you must have liability insurance for employers. It is a direct protection for your personnel against accidents or illness caused by you or your company.

Imagine if your administrator had symptoms of RSI during work or if a gardener was injured as a result of a lawn mower while he was busy elsewhere. These are very real risks, and the law requires you to do this to protect people in your job.

Example: Plumbing: A customer moves pipes against the wall to prevent them from falling, thus causing the accident to fall and break him by breaking his wrist. This requires six weeks' rest in the legal payment due to illness while repairing the damage. The apprentice can now claim his employer for compensation and loss of profit, damage caused by the customer in his workplace.

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