Responsibility
civil
As part of your activities as a business leader, you are led to take risks. The strong competitiveness, globalization and the increasing legalization of the business world should not lead you to be powerless in the event of complaints and/or disputes.
The survival of your business depends on it .
CGAP makes it easy for you by auditing the risks your business might pose to third parties. And it is in this context that we determine a tailor-made program in Civil Liability.
We have developed with our customers, including those working in specific niches, solutions that meet their needs and their businesses.
We have an innovative approach in that we offer tailor-made covers and ensure that the client secures each desired element.
Our areas of intervention are the following (non-exhaustive list):
RC Operation
RC Expoitation applies in the event of incidents occurring during operation as part of daily activities
Professional RC
The Professional Liability Insurance concerns damages that originate in the actual performance of the service.
RC Managers
To guarantee all the leaders within the framework of the faults of which they are personally liable for their own property.
Operating Civil Liability
Your company can cause damage during its activity , including because of its buildings, its facilities, its employees...
Example : a customer slips into the lobby of your company.
Operating Civil Liability insurance covers:
material damage and
the risk of bodily injury of your customers and your visitors occurring on your premises or outside, within the framework of the activities of your company.
The amount of insurance desired must correspond to the level of exposure of your risks.
Our teams will be able to advise you on the coverage best suited to your situation.
Professional Liability
Professional civil liability (RC Pro) also covers the company in the event of questioning of customers or third parties following predominantly intellectual services such as advice, services, training, etc.
Example : an IT company loses its client's database during a hard drive maintenance service. Her responsibility is fully engaged and will see her client sued against her.
This concerns, for example, design offices, IT companies, accountants, etc.
Every service company needs an RC PRO warranty that meets the specific needs of their business.
CGAP, develops with your teams a section of specific guarantees that will allow you to respond precisely to your needs .
For certain activities such as those related to medicine, the focus will be on the bodily injuries that represent the greatest risk.
For consultancy activities (lawyers, design offices, software houses), it is non-consecutive immaterial damage that constitutes the major risk.
The Civil Liability of Corporate Officers
Company directors and officers are subject to financial and legal obligations in connection with their management activities.
Non-compliance, intentional or not, with laws and regulations, violation of articles of association and mismanagement may result in the personal liability of directors as agents of the company.
Good to know : Defense costs in the event of a lawsuit jeopardize your finances.
Solution : CGAP offers you access thanks to our international partners:
very high RCMS coverage capabilities.
personal cover for directors and officers
to cover your defense costs.