Haftpflichtversicherung: Definitionen und Begriffe

Definition of liability insurance: the simplest definition of 'Insurance' is the insurance coverage to protect against claims claimed that it was negligence or inappropriate action to personal injury or property damage.
People & organizations can and do, for which they held liable, if these actions ruled the cause of damage to the facilities or the properties of the other, error,. This is, if insurance policies come, offer the protection. Liability coverage pays, if the insured person legally liable for the negligent act. In some situations the cover protects a party that is corrupted by the non-negligent acts of the insured if the insured person 'moral obligation'.
People / organizations vary in their social and business behavior and thus also the covering is necessary in order to protect them. For each category of persons / organisations, there are various covers, which offer protection. Several people / organizations ?need types / reporting is the liability.
Classification of liability
Personal vs. commercial liability: personal liability insurance provides cover for individuals and commercial liability provides coverage for a business entity. A 4-door sedan car needs personal automobile liability. If a vehicle is used for delivery, you may then request a commercial auto policy.
Personal protection liability comes policies (PAP), House and homeowners insurance policies, boot directives and ?Personal screens usually in personal policies such as personal car. This covers numbers for damage that results in the insured person that the physical injury, personal injury, property damage, legal defence relating to claims against the insured.
Business / commercial liability protection: will cover companies and/or individuals in connection with their conducts business.
Liability applies premises if someone other than the insured or insured employees sued the company for damages due to an injury suffered in premises. This means that the victim must first suffer a violation to you on the spot, and damages that they suffered must make.
Product liability includes liability protection for complete business products or services. Similar coverage is the term "operations such as the many entrepreneurs concluded" they cause damage to others in their rendering of the service provided. Professional service providers such as doctors, lawyers, real estate brokers and insurance agents have special professional liability coverage.
Professional liability. Provides protection for many classes of individuals and companies for any personal injury damage their service / consulting it can create others. Examples of this are unfair insurance for doctors and medical personnel, errors & omissions for insurance & real estate brokers, etc..
Liability of the employer offers coverage for employees during their employment. The employer must be fault or negligent for reporting to kick. In the case of severance pay errors and negligence for employees need to be supported for each work collects injury related.
Director's and officers insurance provides protection against all actions against the officers of the business by its owners. Garage liability applies in situations where a company owned by other vehicles. The cover offers protection against the risks of suing because of the use of vehicles in the possession of the business and for vehicles owned by other (client.) the a business / individual works with or takes possession of other people's vehicles, a feature article called "garage operator liability" is required. Garage operator liability provides comprehensive and collision coverage on vehicles not owned the are during the vehicles owned by the company's business. Auto service stations, valet parking companies, towing services and washing are examples of companies, the garage liability and garage operator liability protection need. Garage operator liability can be written to direct or surplus. In the still of direct pays the policy for damage of vehicles of the customers for the insured, which is incorrect. In the surplus, the directive for vehicles of the clients of insured losses will pay only if the insured person negligent is.
Alcohol liability provides protection for businesses, the alcohol (packaged liquor, taverns, manufacturer of alcohol) against loss or damage due to a sell a patron who claims business too intoxicated and injuring themselves or others.
Inland marine / cargo liability offers protection for business involved towing the goods and properties of others. It pays for damage of the properties in the event of the insured for damage is considered liable.
Proclaim of the liability insurance policy
Some commercial liability insurance policies are on demand made based written. This means that the directive into force pays a claim against the insured for losses at the time, regardless of when they are encountered in the past. Most professional liability policies written claim be made on the basis of. Most commercial liability policies based on be written, where even though the directive can expired are, if the directive was in force, encountered the time that damage the personal injury or property, made a claim against it yet.
Limits of liability
CSL or combined single limit directives allow insurance companies, personal injury liability and property damage liability insurance under a single limit to. The insurance company would numbers up to the specified limit on a third claim regardless of whether the claim for bodily or property damage. In split limit policy, the directive would, such as personal injury limit per person and bodily injury limit per accident and property damage per accident borders break.

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