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.

Liability in respect of immovable property

ERGO operational liability insurance also provides cover against liability arising from the ownership or rental of immovable property used in your activities. The insurance cover includes the immovable property referred to in the contract (including as a separate list).

Personal injury

Personal injury is the act of causing bodily injury or death to an injured party. The medical expenses of the injured party, damage caused by temporary incapacity for work, damage caused by permanent incapacity for work (partial or total incapacity for work), loss or reduction of dependant maintenance, and funeral expenses are to be indemnified.

Property damage

Property damage is the destruction or physical damage (collapse, breakage, deformation, etc.) of an item belonging to an injured party. In the context of property damage, reasonable and necessary expenses for repairing or replacing the item with an equivalent one will be indemnified.  

Damage caused by the non-conformity of an item (e.g., the item is of the wrong size) is not considered to be a loss of property if the item has not been physically destroyed or damaged.

Additional expenses incurred as a result of personal injury and property damage

Additional expenses incurred as a result of personal injury and property damage (consequential financial loss) are, for example, the cost of a taxi ordered to take the victim to the doctor or the cost of renting a replacement space for a company damaged by a fire.

Legal assistance and judicial expenses

ERGO will indemnify legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO.

Third party property held by the insured person (CCC cover)

The additional cover of third party property held by the insured person is, by its very nature, property insurance, so it would be reasonable, in particular, to insure such property with property insurance. However, if for some reason this is not possible, then you can choose an additional cover for operational liability insurance. It has to specify which property you have in mind in more detail, for example, damage to a car under repair or damage to a rented immovable property, etc. can be insured under this cover.

Subcontractors

If you want subcontractors to be considered as the insured persons, and ERGO does not file a claim for indemnification of the damage caused by them to the subcontractor who caused the damage, then choose additional cover for subcontractors.

Work involving an open flame

If your activity involves work with an open flame (e.g., roofing work), then you should choose additional cover for work involving an open flame.

Dangerous objects

The insurance terms and conditions exclude activities with so-called dangerous objects, such as water buildings (bridges, quays, piers, etc.), railways (including rolling stock), aviation (including airplanes, airport facilities), ships (including construction, repairs), power plants, and landfills. A more detailed list is given in the insurance terms and conditions referred to in the contract.