Civil liability insurance
- The concept of responsibility and its components:
Responsibility is the obligation to compensate material for damage caused to others as a result of a mistake . On this basis, responsibility is achieved by the availability of three elements: error and damage, and the causal relationship between them . Despite the multiplicity of types of liability, between moral, criminal and civil liability, insurance generally focuses on covering civil liability . This responsibility is established when there is harm that afflicts others as a result of a mistake or unintended negligence, and the offender has the necessity to remedy this damage . Responsibility towards others includes responsibility for personal actions, which is represented in every mistake that causes harm to others and obligates those who committed it to compensation, and also includes responsibility for the actions of others such as responsibility for the actions of those who must be monitored, such as the responsibility of the father for the actions of his children or the responsibility of the follower for the actions of his subordinates such as the responsibility of the employer For the actions of his employees, in addition to the liability resulting from things such as the car owner’s responsibility for the damages caused by his car to others.
- Insurance documents for liabilities:
In addition to being covered by separate insurance policies, liabilities can also be covered by other insurance policies such as the license and motor vehicle insurance policy ( the third party ) , the marine carrier liability insurance policy and the stevedoring contractors at ports, engineering insurance documents, and the ship hull insurance policy ( liability for collision that affects ships Others.
- Public liability insurance:
According to the general liability insurance policy towards third parties, the company is obligated to pay the compensation due from the insured to others as a result of civil legal liability . Coverage can be expanded to include moral injury, if financially estimated, and legal expenses . As for the coverage of intentional deeds, it is limited to the work of those affiliated with the insured, provided that he is not aware of these works . Given the huge amounts of compensation for liabilities, the company stipulates a maximum compensation for liability under the policy that the insured carries . Compensation is made for what the insured is legally obligated to do towards others, either for one incident or the combined limit of several incidents within the framework of the maximum compensation during the insurance period and within the agreed geographical range..
- Product liability insurance:
This insurance covers compensation for damage caused by a specific product or commodity . The insurance policy compensates for the amounts that the insured ( producers – manufacturers – distributors – sellers – repairers ) are legally liable for, and it includes compensation for death, bodily injury and property damage . The company sets an upper limit for its liability in the policy during the insurance period, as this limit varies according to the type of commodity or product . Upon issuance of the policy, the company stipulates that the insured must disclose in the insurance application the nature of the commodity, the purpose of its use, the terms of its circulation, the means of control and the quality during the manufacturing stages and other essential facts that have a direct impact on the acceptance of the insurance coverage . The product liability insurance policy provides insurance coverage for many commodities such as foodstuffs, cosmetics, medicines, electrical appliances, mechanical machinery, chemical products, agricultural chemicals and pesticides, automobile, ships and airplanes, paper and plastic materials, toys, cylinders and other gases, among others. Products.
- Professional liability insurance:
This insurance covers the civil liability of professionals such as doctors, engineers, lawyers, insurance brokers and others who engage in professional activities . Accordingly, the company insures against claims that arise from bodily injury, death, or property damage to which a third party is exposed due to professional errors, whether by the insured or one of his assistants . The medical professionals ’faults insurance policy is considered one of the most prominent examples of this insurance, as it compensates for the liability faced by workers in different categories of medical professions, such as doctors, radiologists, laboratory technicians, pharmacists, and nursing staff in hospitals and medical centers . The coverage includes cases of illness or death of a person due to a doctor’s mistake during surgical treatment, a pharmacist’s mistake in preparing or dispensing the medication required for treatment, or the patient’s death due to an inappropriate surgery..
- Liability insurance exclusions:
Cases that are excluded by liability insurance vary according to the type of insurance coverage required, however there are some general exceptions to most liability insurance policies, including, for example, contractual liabilities, financial guarantees and fines, criminal liabilities, claims resulting from illegal acts, including acts of insult, slander, or mutilation. Reputation, illnesses or injuries resulting from work, claims resulting from war and nuclear radiation, claims resulting from actions outside the geographical scope of the document, damage to property belonging to the insured.