Operational liability covers damage during your activities. Professional liability covers financial loss due to errors in advice, studies, or design and is mandatory in some sectors.
Antilope De Bie Printing
Solutions
Civil liability operation
During your daily activities, things can always go wrong. A customer might trip in your store or a visitor may get injured on your company premises.
The civil liability operation protects your company against the financial consequences of damage to third parties during the exercise of your activities.
What is a civil liability operation insurance?
The civil liability operation insurance covers accidental damage to third parties caused by your business activities.
This concerns damage caused by:
- You as manager
- Your staff, including workers, employees, and interns
- Your machines and equipment
When you are liable for bodily injury or material damage to a third party, this insurance compensates the damage and also provides legal defense.
What are the benefits?
Covers bodily injury to third parties during your business activities.
Covers material damage caused by your company.
Covers damage claims and associated costs.
Covers damage claims and associated costs.
Who is this insurance for?
The civil Liability Operation is essential for almost every company, regardless of sector or size:
- SMEs and self-employed individuals
- Manufacturing companies
- Shops and retail
- Construction and installation companies
- Service providers
- Liberal professions
Every company that comes into contact with clients, suppliers, or visitors faces liability risks.
Van Dessel analyzes your activities and tailors the coverage to your specific risks.
What is covered and what is not?
What is covered?
- Bodily injury to third parties
- Property damage to third-party property
- Consequential loss directly resulting from the damage
- Legal defence against a liability claim
What is not covered?
- Damage to your own property
- Damage caused intentionally
- Damage occurring after products have been delivered (this requires Civil Liability After Delivery Insurance)
- Pure financial loss without bodily injury or property damage (unless explicitly covered)
How much does this insurance cost?
The premium is determined based on:
- Your sector and activities
- Your turnover
- The number of employees
- The countries in which you are active
- Your risk profile: for example, a construction company has a different risk profile than a consultancy firm
- Your claims history
- Any additional coverage
Van Dessel compares solutions with various insurers and negotiates a balanced premium according to your risk.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailor-made proposal for your business.
Request a free quote without obligation or contact us for personal advice.
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