Zurich RC — Business Civil Liability Insurance Against Third Parties
Технические параметры
Cost
Cost Price: calculated individually based on activity, turnover, limits and chosen guarantees
Period: annual, with automatic renewal
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Civil liability for businesses and self-employed |
| Object of protection | Financial consequences of third-party claims |
| Legal basis | Articles 1902 and 1903 of the Spanish Civil Code |
| Legal defence | May be included according to the chosen policy conditions |
| Compatibility | Can be taken out separately or within a multi-risk policy |
| Zurich RC Specifications | |
| Parameter | Value |
| Types of liability | Operational, employer’s, professional and others, depending on the activity and chosen guarantees |
| Covered damage | Bodily, material and financial harm to third parties |
| Subsidiary liability | Coverage of claims arising from subcontractors’ work |
| Insured persons | The company, its subsidiaries, current and former staff, interns |
| Court costs | Lawyers, expert reports and insurance bonds according to the policy conditions |
| RC requirement | For some activities, including many licensed venues, the municipality or professional body may require RC |
The guarantee that answers for the business when an outsider files a claim
Zurich RC covers the risk hardest to foresee in advance: the financial consequences of harm caused to outside people during the activity. The law directly imposes on the entrepreneur the duty to repair damage caused through negligence, and in business the owner is also liable for the acts of their employees. The policy may include different types of liability: operational for the activity itself, employer’s for staff injuries, professional for errors and omissions, and others, depending on the activity and the chosen guarantees. Three categories of damage are covered: bodily, when a person is injured; material, when someone else’s property is damaged; and financial, when a third party suffers losses because of your incident.
The policy’s value lies in its taking on not only the indemnity amount but the entire defence process. When the policy includes legal defence, Zurich’s team of lawyers handles the claim, pays the attorneys, the court costs and the bonds the court may demand of the defendant, within the chosen guarantees. Protection extends to subsidiaries, current and former employees, interns and students on placement, and to subsidiary liability for subcontractors’ work. For some businesses this policy is not a wish but a condition for operating: for many licensed venues, including bars and restaurants, the municipality or professional body may require civil liability insurance.
Why arrange Zurich civil liability insurance through MG Seguros
- Direct exclusive Zurich agent in Spain.
- Consultation in Russian, Spanish and English.
- Coverage matched to the activity and CNAE.
- Verification that the civil liability limits are sufficient.
- Support for the client when a claim arises.
Typical tasks that this policy solves
Agent's opinion