Civil liability insurance

The civil liability insurance C.L.I. takes care of your civil liability which relates to the duty to repair the damage caused to third parties (customers) and as well as employees:

  • injury
  • property damage
  • immaterial damage

The C.L.I. civil liability insurance guarantees that the financial consequences of all damage will be covered.

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Civil liability insurance

Corporate (or professional) liability is the duty to repair damage caused to others. This is what the civil liability insurance c.l.i covers.
The company is likely to engage its responsibility towards three categories of people :

Third parties

Civil liability insurance c.l.i and third parties: following articles: 1382 to 1386 of the civil code (tortious and quasi-tortious liability) and 1386-1 to 1386-18 of the civil code.
These articles apply without distinction between:
Tortious or quasi-tortious civil liability: violation of the general duty not to cause any damage to others by personal act, or because of things in the care of or persons to whom they are answerable (fault of others). This liability intervenes when damage is caused to others without it resulting from bad performance or non-performance of a contract.

  • Tort is a wrongful act done with the intention of causing harm to others. In contrast, quasi-tortious fault arises from a wilful but unintentional wrongful act, in that the will involved is not directed to the harmful outcome.
  • Between contractual liability resulting from the breach of a contract.

A third party in civil law is understood to mean any person foreign to a legal act (manifestation of will intended to produce legal effects). In insurance, the third party is one who does not meet the definition of the insured. The insured being the subscriber, or, if it is a legal person, its legal representatives.

The clients

Civil liability insurance C.L.I. and clients:
Following articles 1382 to 1386 and 1147 and following the civil code (tortious and quasi-tortious liability). The responsibility of the company can also be requested as a result of products delivered on the foundations of articles 1641 to 1648 et 1386-1 to 1386-18 of the civil code.

Employees

Civil liability insurance C.L.I. and employees:

In application of certain provisions of the social security code in the event of an industrial accident. Anyone acting under the direction of another person (employer) is considered to be an employee.

Protection of the civil liability insurance contract C.L.I.

In application of certain provisions of the social security code in the event of an accident in the workplace.

Anyone acting under the direction of another person (employer) is considered to be an employee.

Activities supported by civil liability insurance C.L.I.

The C.L.I. civil liability insurance contract can be presented in different activity formats such as :

  • It professional civil liability
  • Professional civil liability consulting
  • Professional civil security liability
  • Professional marketing civil liability
  • Marketing and communication
  • Wellbeing
  • Culture and leisure
  • Psychology and coaching
  • Personal services
  • Other trades covered
  • Leisure instructor
  • Orchestra
  • Choir
  • Disc jockey
  • Coach
  • Animator
  • Archaeologist
  • Tourist guide
  • Tourist office
  • Speaker
  • It contractors
  • Sales, installations, it maintenance
  • App development (it and mobile)
  • Video games
  • Website creation
  • Engineering computer science
  • Editing and integration of software and software packages
  • Telecommunication services
  • Provision of internet access
  • Hosting (site, applications, data)
  • Domain name management
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Colautti Assurance

Société immatriculée à l’ORIAS dans la catégorie courtier d’assurance sous le numéro 12065180 (www.orias.fr) Responsabilité Civile Professionnelle et Garantie Financière conformes aux articles L512-6 et L512-7 du Code des Assurances – sous le contrôle de l’ACPR, 61 rue Talbout 75009 Paris
(www.acpr.banque-france.fr)

Horaires :

Du lundi au vendredi,
de 9h00 à 12h00 et de 14h00 à 18h00.

04 12 04 04 41

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    * Champs obligatoires

    Decennial responsibility insurance