Liability insurance to cover the widest possible range of situations
A single policy to cover a wide variety of situations and high insured sums: work with peace of mind!
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INSURANCE
Liability insurance for your business
Liability insurance for businesses is Belgian-law liability insurance policy law from AG SA, distributed by BNP Paribas Fortis SA. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
Your liability insured
Whatever your business involves, you could cause damage to someone at any time while carrying it out. If you've made a mistake or if you’re at fault, you’ll be held liable.
That means that you’ll have to compensate the person who suffered the damage, and the bill can quickly rise and put you in financial difficulties. Fortunately, liability insurance for businesses protects you from this risk by compensating the victim of the damage on your behalf.
Tailored liability cover
In addition to the operational liability cover that’s always included in your policy, you can choose other types of cover that you really need: liability for property in care, custody and control, post-completion liability or professional liability.
In the widest possible range of situations
Whether it’s damage to your staff's vehicles, damage following a fire or pollution or theft committed by a staff member, your liability is covered by liability insurance for businesses!
Ancillary activities and works Insured
Your liability insurance covers activities and works that are ancillary to your main activity, such as organising and taking part in trade fairs or exhibitions, from preparation to dismantling.
High sums insured
Thanks to high basic sums insured suited to your business area, you get optimal protection. You can also adjust the sum insured if you wish.
Types of coverage
Operational liability
Operational liability cover is always included in your liability insurance for businesses policy. It covers your extra-contractual liability for damage caused to third parties by your business assets or personnel.
Liability for property in care, custody and control
If you’ve damaged a tool that you rented or an item of property that was entrusted to you for work purposes, property in care, custody and control insurance covers the cost of the damage.
Post-completion liability
If damage occurs after you’ve delivered goods or completed your work, post-completion insurance covers your contractual and extra-contractual liability for the damage.
Professional liability
If you’re someone whose work consists of intellectual activities, like a consultant or accountant, this covers your contractual and extra-contractual liability for damage caused to a third party in the exercise of your profession.
Liability insurance for businesses: a few examples
A sign injures a pedestrian
You install a sign and one of its elements falls and injures a pedestrian.
Operational liability cover will pay for the related medical expenses and expenses arising from the interruption of work.
Forced evacuation
You install a crane to transport a machine and it is at risk of falling over. The surroundings are evacuated.
Operational liability insurance will cover the loss of earnings of the shops that had to close.
A damaged machine
While working at a customer's premises, you damage a machine essential to the customer’s production.
Operational liability insurance will cover the repair of the machine and the costs caused by its shutdown.
A smartphone falls
A customer has lent their smartphone to you so that you can replace a part. The phone slips out of your hands and breaks on the floor.
Property in care, custody and control insurance will compensate for the breakage.
Water damage when installing a dishwasher
You install a dishwasher at a customer's premises. The water supply hose comes loose and causes a flood.
Post-completion insurance will compensate the customer for the water damage.
Defective Software
An error in some computer software developed for a customer causes a malfunction.
Professional liability insurance will cover you if the customer claims compensation.
Scope of your cover
Main risks covered
your extra-contractual liability, through the operational liability cover, for damage and damage caused to third parties by your business assets or personnel in the course of your business activity
your contractual liability for damage and damage caused to objects entrusted to you, for example for maintenance or as a work tool
your contractual and extra-contractual liability for damage or damage caused by your products after delivery, or by your work after completion
your cover is valid worldwide, but you need formal authorisation for the United States and Canada
Main exclusions
damage caused intentionally by a company director as well as damage caused in a state of drunkenness or similar, but also penalties and fines, which remain your responsibility
for operational liability insurance, damage caused by your company's assets that are not used for operational purposes, for example a building acquired as a financial investment
for post-completion insurance, the replacement or repair of products or work that have a latent defect
for property in care, custody and control insurance, damage caused to objects entrusted to you before the final completion of the work
Discover the complete list of risks covered and exclusions
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The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. To find out the main characteristics of this insurance, you can consult the information document. To receive a quote, please contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Learn more
Read the following documents before signing your policy.
Any concerns?
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. +32 2 228 72 18, email gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, Tel: 02 547 58 71– Fax: 02 547 59 75 – info@ombudsman-insurance.be - www.ombudsman-insurance.be
Make a claim
If you need urgent assistance or want to make a claim, our team is here to help!
PROTECT YOUR BUSINESS
Receive a tailored quote
1
Check your cover
Make a list of the insurance policies your business already has.
2
Contact us
We will work with you to examine how to cover your business's liability properly, according to your specific needs.
3
Get a quote
Receive a business liability insurance quote customised for your business.
Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us on 02 433 43 34
Supplement your cover
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Fire and explosion strict liability insurance
This insurance is a legal requirement for those operating certain establishments open to the public, and compensates third-party victims of an incident on your behalf.
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Construction liability insurance
Cover the specific risks of the construction sector with this insurance policy designed for you.
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Liability cover for medical and allied health professionals
Whether you’re a doctor, nurse or beauty care specialist, we offer comprehensive professional liability cover, which may be compulsory in your line of work.
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Operational legal expenses insurance
If you’re facing a claim for damages or criminal proceedings, this cover ensures that you’ll be properly defended.
Legal information
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
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