Liability Insurance For Consulting and Consultants
Tutors are the damages caused by minors or disabled persons who are under their authority and live in your company. We are also the owners or managers of a business establishment and respect of the damage caused by its servants in the service of the classes that have employees or the line of duty. Individuals or entities who are holders of a school of higher education is not liable for damages caused by their minor children during periods of time that they are under the control or supervision of the faculty of the Center, developing school or extracurricular activities and complementary. The responsibility under this article shall cease when the persons mentioned therein prove that they employed all the diligence of a good parent to prevent damage. ” In what concerns us, this means, according to Art. 1902 which does damage (must be a causal relationship between the act or omission and the injury and any fault or negligence, does not apply for example in cases of force majeure) should fix it, see pay compensation.
However, the 1903 tells us that not only are responsible for what we do, but we are also what make those who depend on us. This liability is based on two principles known as accountability and responsibility in choosing in watching. In case of damage (in terms of insurers, loss), employer or contractor I am responsible for choosing “bad” to the employee or subcontractor that has caused damage. Also I have a duty to monitor, does not relieve us of our responsibility for the fact that he left that part or all of the work the do the same, but to be under our domain area we have an obligation to monitor that things done properly to avoid damage.
Note also, that shall not be liable if it proves that we act with the diligence of a good parent, in practic. this means that the legal doctrine called a quasi-strict liability, the injured has almost to prove the causal relationship between the act or omission and the injury, but I am who I have to prove that I did everything humanly possible so that did not occur. In the background lies the principle that before a damage and needs repair, one that benefits from the existence of the work or service must respond. Liability insurance, like any insurance, is to relocate the uncertainty of the cost that one or more damage to others can make to the economy of a person, whether natural or legal person, a company in exchange for a known cost, premium and up to the limits employed. In our opinion the liability insurance is vital, in fact is already required in many activities, as opposed to a damage insurance, such as the risk of a car, the consequences of damage / loss are unpredictable .
What we cover the liability policies for consultants?
Under the terms, limits and conditions agreed in the Special Conditions, Special and General of this policy, the insurer takes charge of the primary economic damages, real or perceived, produced to a customer. The risk of a consultant, is that poor advice or omission, by not registering a file with the Agency, we assume the customer a penalty by the Agency. As we know, sanctions can be of great importance, but could seriously jeopardize the survival of many companies. If the client could prove negligence on our part, and they call the fine amount could increase significantly its claim.
