Professional liability insurance (excluding building insurance)
Your professional activity can potentially pose risks and cause damage to third parties, thus engaging your civil liability: this entails an obligation to compensate for the harm suffered.
It is therefore essential to be well-versed in the legal framework of professional civil liability (RC PRO), which is commonly included in a comprehensive business insurance policy.
Professional civil liability: definition, legal texts and professional application
The French Civil Code clearly defines civil liability in two articles:
- Article 1382 of the Civil Code: "Any act of man which causes damage to another obliges the one by whose fault it occurred to repair it."
- Article 1384 of the Civil Code: "One is responsible not only for the damage one causes by one's own act, but also for that which is caused by the acts of persons for whom one is responsible, or by things in one's custody."
Civil liability covers several types of damages:
- material damage,
- personal injury,
- financial losses etc.
They can be caused by:
- negligence
- recklessness
- employees
- his own act (deed)
- the machines or buildings
Professional civil liability, on the other hand, applies when a professional activity causes damage or harm to a client, supplier, or third party.
The victim can therefore claim compensation for the harm suffered, which most often takes the form of the payment of financial compensation.
To do this, it must be clearly established that the professional's civil liability is engaged, based on three main types of evidence:
- a harmful act: the damage is caused by the perpetrator of the fault or by the act of the thing in their custody (buildings, machines, etc.),
- Damage: without damage suffered, professional liability insurance cannot be invoked
- a causal link: between the harm and the damaging act.
The contract will be based on your turnover, your workforce, and especially the activities carried out by your company. With all this information, we will be able to make a proposal perfectly tailored to your needs.
To get started, request a quote for professional liability insurance. It only takes a few clicks, and your business will be covered for all your risks under a single policy. Place your trust in us, as many companies have done before you.