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Third-party liability insurance for companies

Third-party liability insurance

You bear responsibility round the clock: in your private life and as an entrepreneur, managing director, or member of the Board of Directors. Liability insurance from AXA assumes some of this responsibility. 

  • Sector-specific solutions
  • Choice of deductibles
  • Assumption of liability claims
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Scope of coverage of general commercial liability insurance and professional liability insurance

If false calculations, mishaps, product defects, or inadequate customer advice result in your customer incurring personal injury or property damage, AXA will cover liability cases at your company.

Scope of coverage

The insurer covers justified claims and defends against excessive or unjustified ones. Personal injury or property damage is insured (including any resulting loss of assets or earnings). The scope of insurance in its basic coverage is broad in definition.

There are options to expand coverage as follows:

  • Deliveries of goods to the US and Canada
  • Product liability – extended scope of insurance (loss due to combining, mixing, and further processing as well as deinstallation and installation costs)
  • Loss of use
  • Product recall costs
  • Environmental harm – extended scope of insurance
  • Processed property (active contributory loss or damage)
  • Cleaning costs

Insured risks

Insurance coverage includes statutory liability arising from:

  • Premises risks: Hazards arising from owning and possessing land, buildings, and plant and equipment
  • Operational risks: Hazards arising from professional activities or the omission thereof
  • Product risks: Hazards arising from the manufacture, delivery and trading of products
  • Environmental risks: Environmental harm caused by risks arising from premises, operations, and products

Professional liability insurance for advisory professions

If inadequate advice or errors in the execution of an order lead to financial loss of a customer or if personal injury or property damage arises due to inattentiveness, AXA will assume coverage.

Scope of coverage

The insurer covers justified claims and defends against excessive or unjustified ones. The insurance covers financial loss, personal injury and property damage. The scope of insurance in its basic coverage is broad in definition.

There are options to expand coverage as follows:

  • Legal protection in criminal, supervisory and administrative proceedings
  • Directors and officers of legal entities in outside companies
  • Extension of benefits to a double guarantee per insurance year
  • Extension of statutory liability to include the law of the US and Canada 

Insured risks

Insurance coverage includes statutory liability arising from:

  • Professional/company risks arising from activities or omissions by the insured and through occupational processes at and outside of the workplace
  • Risks arising from ownership and possession of land, buildings, and plant and equipment
  • Environmental risk arising from premises, operational and professional risks.
  • Liability insurance for directors and officers of legal entities in addition to professional liability insurance
  • Leading or managing a stock corporation, foundation or another legal entity is a responsible task. Extend your professional liability insurance with directors' and officers' liability insurance to enjoy optimal protection against the financial consequences of liability risks. The individual director or officer of a legal entity is insured in their capacity or function as
  • Member of board of directors of stock corporations
  • Board member of cooperatives
  • Managing director or partner in a limited liability company (GmbH)
  • Member of the board of an association
  • Member of Board of Trustees
  • Liquidator of a legal entity
  • Managing director in the context of residence requirements pursuant to the SCO and other similar functions

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