A Public liability insurance designed to respond to any claim from a third party to whom you may have caused damage.
Designed for manual activities, such as installation, renovation, repair, etc., it is necessary to protect your business in the event that you are required to pay compensation for an accident or negligence.
As a Company or SME, your Liability can be varied: public or professional, employment, etc. We offer you all the necessary options for your activity, adapting the cover to what you require. In addition, there are various professions and trades where it is compulsory to have Liability insurance (gas and electrical installations, etc.). Our Liability insurance can also be completed with coverage for professional activity.
Among the advantages of contracting the insurance through Op de Beeck & Worth are the following:
- We work with the best specialist companies.
- We cover more than 150 different activities, and we understand the specific needs of your activity.
- We are with our clients at all times. Even more so in the event of a claim.
Don't hesitate to contact Op de Beeck & Worth to choose the right liability insurance for your activity.
As specified in the Civil Code, civil liability is defined as the obligation to repair the damage and/or harm caused to a person or persons. This damage may be caused by a breach of contract (contractual liability) or by the occurrence of a harmful event without a prior contractual link (non-contractual liability).
Liability insurance is aimed at companies operating in the following segments:
- Construction-related activities: insulation and protection of buildings, roofs and roofing, metal carpentry, masonry work and renovations, electrical installations, installation of solar panels, etc.
- Non-construction: assembly of furniture in homes and commercial premises, repair of household appliances, electronic equipment, industrial equipment, stone working and manipulation, etc.
- And many other activities for which we can offer solutions. Contact us to receive a proposal.
Civil Liability insurance covers personal injury, material damage and the financial consequences caused to third parties as a result of an accident or work not carried out correctly and which generates a damage.
In addition to coverage designed to meet the needs of the self-employed and SMEs, the main value proposition is our service.
Taking out an insurance policy through Op de Beeck & Worth means having personalised advice in your language and knowing that whenever there is an incident, your insurance broker will look after your interests.
The main Liability coverages are:
- Public Liability.
- Rental Liability.
- Property Liability.
- Subsidiary Liability of Motor Vehicles.
- Subsidiary Liability of Contractors or Subcontractors.
- Transport of Goods.
- Accidental contamination Liability.
- Technical Professionals on Staff Liability.
- Damage to confined Objects (except transport activities).
- Machinery or vehicles that do not require compulsory TPL.
- Damage to third parties arising from fire, explosion and water.
In addition the following may be included:
- Employer's Liability (including workers of temporary employment agencies).
- Cross Liability.
- Pure Patrimonial Damages.
Our service includes an advisory stage where we listen to the client's needs, assess and search for the best protection options adapted to their activity.
Afterwards, our clients have access to an exceptional service where they can manage and modify their policy if necessary, as well as direct attention in the event of a claim. No need to talk to machines. As your broker and advisor we accompany you and defend your interests against the insurance company.
In addition to this, we provide an excellent service in different languages.
What our customers say
Thank you for the excellent service.
A friend recommended your company to me years ago and I'm glad I listened to her advice. I have worked with quite a few companies and have rarely had a claim. However, compared to other insurance policies I have occasionally had a claim with (car, dog, ...), your service is top notch: personal service, immediate response, competence and a real personal and individual way you treat your clients.
Thank you very much
The response I received has been very professional, personalised, friendly and close at all times. I have been able to contract a product and service that perfectly suits my needs, when I was faced with several interesting proposals. A success.
All the team members I have dealt with have been professional, patient, polite and friendly. They have dealt with several difficult situations for me and have gone above and beyond to help me. Their advice and judgements have been sound and reliable, so I have always felt safe knowing that I was being well looked after. As an expatriate who does not speak Spanish, life in Spain would be much more difficult without the support of this company.
There is no doubt in my mind that I would recommend Op de Beeck & Worth for a much needed peace of mind.