General Liability Insurance in Poland
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A general liability insurance in Poland covers operational and professional risks: exali.com offers exceptional protection and high sums insured for personal injuries and property damage as well as financial loss.
In just one liability product - for freelancers, the self-employed, companies and their employees - General Liability Insurance protects everyone involved if expensive damage occurs due to mistakes or mishaps in the office, with customers, at trade fairs or on business trips. Another advantage of our concept: The premium for general liability is very cheap due to the combination with financial loss liability in the basic coverage.
What is a General Liability Insurance in Poland?
in Poland General Liability Insurance or Civil Liability is the collective term for all liability insurances that cover operational liability risks. Since professional activities in the service sector are mostly carried out in offices, the insurance is also often referred to as office liability insurance. In principle, General Liability Insurance offers protection if claims are brought against you by a third party (e.g. customer or principal) for personal injuries, property damage and the consequential financial loss. The General Liability Insurance especially covers damage that occurs in the office, to rental property and equipment, on customer premises, on business trips, at trade fairs and nowadays extends to the business use of drones.
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Indemnity Insurance Seal for your Principals
- Individual and comprehensive insurance protection
- High coverage sums for financial losses
- No-claims evidence going back five years
The General Liability Insurance from exali.com offers comprehensive liability protection against occupational risks such as personal injuries, property damage and consequential losses. The following is standard coverage under general liability of exali.com: permanent on-site risk, liability for products and services (also known as product liability) as well as environmental liability and environmental damage insurance.
Since in most Polish IT, media, consulting and service professions, pure financial losses frequently occur in addition to personal injuries and property damage (which are covered by general liability). Therefore, general liability is not sufficient to cover all of your business risks, so we offer Financial Loss Liability Insurance as part of the basic coverage which can be expanded by freely selectable add-ons, such as cyber-coverage or engineering modules. As a result, the scope of your insurance can be individually adapted to the risk situation of the freelancer, the self-employed or the company.
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![Difference between general liability and professional indemnity Difference between general liability and professional indemnity](/data/cms_data/bilder/1883576008Anwalt-1_SBanner_630_x2.jpg)
The term ‘professional indemnity’ is to be understood as an overall term for indemnity insurance that covers the professional liability risks of a self-employed person or freelancer. Depending on the industry and the associated risks, professional indemnity insurance can include a general liability insurance (coverage for personal injuries and property damage as well as the resultant loss) as well as financial loss liability insurance (coverage for pure financial losses).
At exali.com, the financial loss liability insurance in Poland is always combined with general liability insurance in the basic coverage so that all relevant risks and the resulting types of damage are covered.
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Which Damages does the General Liability Insurance Generally Cover?
The General Liability Insurance from exali.com offers comprehensive coverage for the following types of damage:
- Property damage: This concerns the damaging, destruction or loss of an item. Example: An IT employee damages the server's motherboard during maintenance work.
- Personal injuries: This includes injuries or damage to the health of people. Example: During a photoshoot, a person is injured by falling lighting equipment.
- Consequential financial loss: This concerns consequential losses following personal injuries or property damage. Due to the damaged motherboard from the first property damage example, the server cannot be rebooted for 1.5 days. The result is a loss of sales for the customer (consequential damage).
What Risks are Covered by General Liability Insurance?
General liability insurance generally insures operational risks through owed services or products as well as the operation of an office, an agency or a law firm. When looking at the private sphere, it can best be compared with private liability insurance, with the difference being that in these cases risks of the business environment are covered. These are, for example:
- Personal injuries and property damage due to faulty service provision
- Damages on business trips, at trade fairs, exhibitions or events (worldwide)
- Damage to rented office space or event rooms (rental property damage)
- Damage in the organisation and execution of seminars or training courses
- Damage caused by the professional operation of aerial drones up to 5 kilograms (including camera)
- Damage of items in the care of the insured that are rented, leased or borrowed for up to 6 months
- Personal injuries and property damage at customer appointments
- Product liability damage (guaranteed properties)
- Loss of customer keys and code cards
- Damages to third-party property due to activities
- Environmental liability damages
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Who Does General Liability Insurance also Cover?
Which Areas Does the Coverage of General Liability Insurance Concern?
What does General Liability Insurance Cost?
What is the Sum Insured / Sum Covered?
Which Risks are not Covered?
How Can the General Liability Insurance be Terminated?
Is Passive Legal Expenses Insurance also Included?
General Liability Insurance from exali.com in Poland
If you want to insure experts, you have to be an expert yourself. At exali.com, we have been working according to this motto since its founding in 2008. We offer specially tailored insurances for professions that can be found in the IT, creative and consulting areas, for example. We focus on information, education and support.
We provide our users with a lot of information, tips and exciting business news on our insurance portal. This gives you an insight into real damage events and how the insurer proceeds with processing claims. We do not want to hide behind incomprehensible insurance jargon: At exali.com all information is given to you in a transparent and clear manner.
For us, online does not mean sacrificing service. On our website, the application, processing and issuing of the insurance policy for a general liability insurance takes place in a matter of minutes, without waiting and annoying paperwork.