Because the responsibility of your company can be engaged in a dispute with a third party. To cover your liability and that of your employees , SAA  “Professional Liability”  contract protects your company by covering the damage that may be caused by the products you market.

“Professional Liability” covers the financial consequences of injury, damage or consequential loss caused to third parties by materials products supplied by your company . Your responsibility can be engaged in many ways:

• Because of your services or the products you sell, install, deliver ...
• By your fault or that of one of your employees;
• Because of your business premises;
• As an employer, towards your employees.

If your responsibility is challenged and proven , you will have the obligation to compensate the victims .

Certain occupations are obliged to take out insurance specific professional liability:

• Health professionals have the obligation to be covered by medical insurance.
• Architects and building craftsmen must sign a ten-year guarantee for their construction sites. It covers repairs to certain damages that may affect a building for a period of 10 years.
• A product delivered to one of your customers is found to be defective.
• One of your employees is injured during working hours and involves your company's security conditions.
• A customer falls on the slippery floor of your store and breaks an arm.

“Professional Multi-Risk Insurance“   &  “Professional Liability Insurance” are two distinct but perfectly complementary offers. The first concerns the protection of the premises and the property of the company against possible losses, while the second covers the damage caused by your company or your employees to others.