1. Public liability
Scope of the cover
The insurer guarantees the insured the payment of the indemnities for which he might be civilly liable, pursuant to current legal regulations, as a result of bodily injuries, material damage or damage caused involuntarily to third parties by events occurring in the business activities of the insured business premises.
Scope of the cover in terms of time
The policy covers civil liability derived from damage sustained during the valid term of the policy, for which claims are made during the time the policy is in force, and up to a maximum period of twelve months from its termination or cancellation.
THE FOLLOWING IS NOT COVERED:
Claims arising from:
a. Work carried out outside the business premises even if such work was necessary and was carried out in connection with the normal business activities of the insured business.
b. Economic losses that are not the direct consequence of a bodily injury or of material damage guaranteed by the policy.
c. Damages sustained by property or animals that, for whatever reason (deposit, use, repair, handling, transformation, transport or other) is in the power, custody and control of the insured or of individuals for whom he is legally liable.
d. Damages sustained by goods or people on which the insured, or the individuals form whom he is legally liable, were working directly.
e. Derived from the ownership, holding or use by the insured of motor vehicles and from any trailer or incorporated elements, due to traffic accidents, as regulated by current legislation concerning the circulation of motor vehicles. Notwithstanding the foregoing, industrial vehicles and self-propelled machinery shall be the object of the cover, providing compulsory motor insurance is not required for the use thereof.
f. Any obligation contractually undertaken by the insured in excess of the legal civil liability.
g. Damages derived from any actions, oversights or errors that originate in the extraction, transfusion and / or preservation of blood or blood plasma and any negligent acts that result in the acquisition, transmission or contagion of Acquired Immune Deficiency Syndrome (AIDS) or the pathogenic agents thereof or those that are derived therefrom.
h. Damages sustained by any premises or installations that the insured occupies for his use or as a tenant.
i. The ownership, possession, holding or use by the insured of any artefacts, aircraft or boat for navigation or airborne or waterborne objects, as well as any damage caused by these items.
j. Claims lodged against the qualified personnel that provided services or work, such as projects, experts' opinions, interventions, consulting and other activities carried out by medical practitioners, for damages caused as a result of their professional performance.
k. Damages sustained by people who are not dependent on
the insured, and whose business activities serve the insured's business activities, such as subcontractors.
l. Products supplied or work carried out by the insured after the delivery thereof.
m. Work-related accidents and / or occupational disease suffered by the insured's staff and damages to health caused by tobacco.
o. Damages caused by pollution.
p. Refurbishment, extension and maintenance work in the installations of the insured business, when the estimate for carrying out such work is more than euros 12,000
4. Risks excluded from all guarantees