Civil Liability Insurance
Insurance that guarantees compensation to third parties for damages caused in the course of an activity (company, sole proprietorship or profession), protecting your personal/business assets.
Civil liability related to operations: covers bodily injury or property damage caused to third parties "because of the activity" (facilities, employees, daily operations, products, etc.).
Professional civil liability: covers errors, omissions, or technical negligence in the exercise of a profession (engineer, doctor, lawyer, accountant, etc.).
Diverse solutions to ensure responsibilities
ENI / Companies
Liability protection solutions can have varying capital amounts, which should be tailored to the specific needs of each activity .
Regulated Professions
Engineers, auditors, accountants, doctors, etc., have their own minimum capital rules for professional liability insurance, set by regulations from their respective professional bodies , above which they can increase their capital if the risk justifies it.
RC Civil Products
Important for companies that manufacture, distribute, or sell goods , as it protects against claims for bodily injury or property damage caused by product defects after delivery to the market. A defective product can generate high compensation claims, legal defense costs, and reputational damage, transferring these risks to the insurer.
Ten-Year Damage Assessment
It guarantees developers compensation for 10 years for damages to the building resulting from errors or defects in foundations, supports, beams, front beams, load-bearing walls or other structural elements.
Environmental Responsibility
This is crucial insurance for companies with potentially polluting activities , as it guarantees financial coverage for repairing damage to soil, water, air, or biodiversity, in addition to administrative fines and legal defense costs. In Portugal, it has been mandatory since 2010 for operators listed in Annex III of Decree-Law No. 147/2008 (chemical, metallurgical, etc. industries), under penalty of fines and joint liability of managers.
Civil Liability for Directors & Officers (D&O)
It is essential to protect the personal assets of directors, officers, and managers against claims arising from negligent management decisions, errors, or omissions that cause harm to the company or third parties. In Portugal, although not mandatory, it is crucial in a context of increasing litigation, regulation, and reputational risks, covering defense costs, compensation, and bail bonds that can amount to millions.
Civil Liability AL
Mandatory insurance (Decree-Law 76/2024) for houses or apartments with up to 8 occupants, with a minimum coverage of €75,000 per unit , protects against material or bodily damage caused to guests or third parties during the operation of the business. Without it, registration with Turismo de Portugal is cancelled, preventing legal operation and exposing the owner to fines from the municipal councils.
Civil Liability in Tourist Entertainment
This is mandatory insurance by law (Decree-Law No. 39/2008 and Decree-Law No. 186/2015) for agents registered with RNAAT (National Register of Tourist Entertainment Agents), with a minimum coverage of €50,000, protecting against damages to guests or third parties during activities such as tours, sports, or tourist events. Without it, the registration is invalid, preventing legal operation and exposing the agent to fines from ASAE (Food and Economic Security Authority) or Turismo de Portugal (Tourism of Portugal).