Civil Liability Insurance, also called RC, is a contract that guarantees the consequences incurred by the insured when he or she causes material, immaterial or bodily damage to a third party, whether through inattention, negligence, or imprudence.
It is the insurer who is responsible for compensating, under the cover taken out, the third party who is the victim of the loss or accident. The insurer repairs the damage caused to others by paying financial compensation.
It’s actually the continuity of your school insurance. Civil liability is mandatory during internships and required upon registration in most higher education establishments.
What are the guarantees of a Civil Liability insurance contract?
Civil Liability covers three types of damage:
- bodily harm (physical injuries),
- Material damage (breakage of an object),
- Intangible damage (harm to the integrity of a person or act resulting in a financial loss).
For €13/year, HEYME civil liability insurance covers damage caused to a third party during your internships in France and abroad, and if you are in the medical sector, the same applies to your on-call duty. the hospital!
What are the exclusions of a civil liability contract?
Intentional damage, damage that you cause to yourself, and damage occurring in a professional context (salaried employment contract) are excluded from civil liability.
Also, extreme sports, damage caused by a car or a new electric vehicle are not covered under a Civil Liability contract. You have to take out specific insurance and that’s good, we have some to offer you!
What can you be responsible for?
1. You are responsible for damage you cause through carelessness or negligence. Here are some examples for which civil liability covers you:
- You spill coffee on your neighbor’s PC
- You have the equipment loaned by the company in which you are on an internship stolen
- You inadvertently jostle your colleague who falls and breaks his arm
2. If your children are minors, they live with you and you exercise parental authority, you are responsible for any damage they may cause. You are still responsible even if you entrust your children to a third party (grandparents, school, etc.).
3. If you are the owner of an animal, you are responsible for any damage it may cause whether under your supervision, during a walk, or when you entrust it to a friend. On the other hand, you are not responsible for damage caused by your animal, if it occurred as a result of a fault committed by the victim.
What does Professional Liability Insurance do?
Compulsory in certain sectors or optional, but always highly recommended, professional Civil Liability (RC) insurance protects you against damage or harm (accident, poor workmanship, delivery error, etc.) caused to a third party, whether by yourself, your employees, your premises or your professional equipment.
Essential insurance to carry out your activity serenely while being protected, because the civil liability guarantee contained in your housing contract does not cover you in these situations.
What is meant by professional civil liability?
This civil liability is the obligation to repair all the damage likely to be caused to a customer, a supplier, or a third party in the context of professional activity of sale or provision of services. It can be damaged:
- bodily injury (customer injury);
- materials (breakage or destruction of property belonging to a customer);
- or immaterial (for example, loss of turnover of a customer).
An obligation for certain professions
Given the risks inherent in their activity, some professionals must take out civil liability insurance. Are concerned :
- certain professionals working in private practice (doctors, paramedical professionals, lawyers and chartered accountants);
- people in the consulting business (real estate, insurance, travel, etc.).
What exactly does it cover?
Professional civil liability insurance compensates damages caused by the manager and his employees (or persons dependent on him): professional misconduct, omission, negligence, lack of prudence, inappropriate advice, design or production fault, and even violation of the image rights.
RC operation, professional, after delivery: what to choose?
The basic operating civil liability cover is supplemented by post-delivery civil liability (product liability) and/or by professional civil liability.
