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COMMERCIAL AND CIVIL LIABILITY INSURANCE

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COMMERCIAL AND GENERAL CIVIL LIABILITY INSURANCE

From a legal standpoint, your company can be held liable for any damages its activities or staff cause to others. The commercial general liability insurance covers incidents such as personal injury or property damage to your customers and visitors, inside and outside your facilities. This insurance can also cover defense and settlement costs, as well as damages that must be paid to third parties as a result of a lawsuit. The experts at Magnat Ravary Assurances have the necessary expertise to assess the best coverage for you, based on your business activities, to make sure that you are adequately protected in the event of legal action.

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For whom is the professional civil liability intended?

  • Dentists;
  • Doctors;
  • Lawyers;
  • Accountants;
  • Hair salons;
  • Mechanics;
  • Insurance brokers;
  • And other types of professions;

What is covered by commercial general liability insurance?

Professional liability insurance has the purpose to protect you as a professional, and to cover your business for any damages it could inflict to others, whether it is property damage or personal injury caused by fault or negligence in your professional activities. This insurance protects you in the event of criminal prosecution as a result of your company’s operations, by paying all costs for your defense. In case the judgement against you is unfavorable, the plaintiff will be compensated up to the amount outlined in your policy limit. As such, this insurance covers you not only as a professional, but also protects your reputation from alleged malpractice, especially if it proves to be unfounded. Enlist our help and benefit from a corporate liability insurance custom tailored to your needs and your industry.


Examples of incidents covered by commercial general liability:


  • Damages caused to a third party or their property;
  • Accidental injuries that your activities could potentially inflict on a third party;
  • Water or fire damage to a neighboring building;
  • A lawsuit against your business;

Errors and Omissions Insurance

Errors and Omissions Insurance protects you from the potentially costly consequences of unfortunate accidents, negligence or breaches that may inadvertently result from your professional practice. Initially designed for lawyers, doctors and engineers, this type of insurance is now offered to professionals from all backgrounds. In fact, it acts as a supplement to commercial general liability insurance. Our experts will make sure to find the most competitive and effective coverage for you, in regards to your specific business needs.

The Errors and Omissions Insurance covers the following:

  • Financial damage;
  • Contractual disagreements;
  • Design, manufacturing and installation errors;
  • Design flaws;
  • Late delivery;
  • Inadequate service, breach, omission, negligence;
  • Breach of contract;
  • Inaccurate information or advice;
  • Typographical errors;
  • Incorrect ratings;

Entrust us with your insurance and you will get:

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Expert advice

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Competitive rate

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Peace of mind

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Transparency

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Efficient

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Integrity

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