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Operational liability insurance

With operational liability insurance, you protect yourself from unexpected expenses related to losses incurred by other persons as a result of your actions or omissions.

Operational liability insurance

If an act or omission has caused damage to another person, then ERGO operational liability insurance will help to cope with the claim for damages. In the event of an insured event, operational liability insurance covers the claims for property damage agreed in the terms and conditions of insurance, as well as legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO.  

Mitigating the risks related to operational liability with insurance should be considered by all companies for whom reliability and excellent client relations are important.

Wide insurance cover

ERGO operational liability insurance provides broad insurance cover to mitigate risks that may arise from various activities.

Client-based solutions

When concluding ERGO professional liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.

Competent team

ERGO has a risk management, sales, and claims handling management team with long-term, diverse, and international experience.

Wide insurance cover

ERGO operational liability insurance provides broad insurance cover to mitigate risks that may arise from various activities.

Client-based solutions

When concluding ERGO professional liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.

Competent team

ERGO has a risk management, sales, and claims handling management team with long-term, diverse, and international experience.

What does ERGO operational liability insurance cover?

Liability insurance is essentially all-risk insurance, i.e., in the event of an insured event, such greed damage is indemnified that is not excluded. Therefore, it is imperative to read the terms and conditions referred to in the contract, especially the exclusions section, as well as review the special terms and conditions in the policy and make sure that the insurance contract meets your expectations and includes the necessary covers for you. The main types of operational liability insurance covers are listed below, including a list of the types of property damage that ERGO generally indemnifies under operational liability insurance.

Operational liability

Operational liability insurance in the contract has to list all the services that you provide and for which you want have covers. For example, the following works/services can be insured with operational liability insurance: construction works, car repairs, cleaning services, accommodation services, beauty services, sports club activities, etc.  

Operational liability insurance cannot be used to insure damage due to an error in a professional service (e.g., a designer’s mistake in a construction project or a notary’s error in a transaction). To this end, please familiarise yourself with professional liability insurance.

What does ERGO operational liability insurance cover?

Liability insurance is essentially all-risk insurance, i.e., in the event of an insured event, such greed damage is indemnified that is not excluded. Therefore, it is imperative to read the terms and conditions referred to in the contract, especially the exclusions section, as well as review the special terms and conditions in the policy and make sure that the insurance contract meets your expectations and includes the necessary covers for you. The main types of operational liability insurance covers are listed below, including a list of the types of property damage that ERGO generally indemnifies under operational liability insurance.

Examples of operational liability insurance insured events

To better understand operational liability insurance, here are some examples of insured events.

Café

A fire starts in the café of a shopping centre, which causes property damage to the owner of the building and other tenants of the building.

Examples of operational liability insurance insured events

To better understand operational liability insurance, here are some examples of insured events.

Terms and conditions and information documents