Differences between Business Liability and Professional Liability

Differences between Business Liability and Professional Liability

Differences between Business Liability and Professional Liability

Business Civil Liability insurance or also called General Civil Liability covers damage caused in the course of the company’s activity. Business liability and professional liability seem quite similar, but they are different concepts.

Insurance that includes professional liability cover mainly covers economic damage resulting from errors, omissions or negligence in the performance of the professional activity. Professional RC is generally very useful for independent professionals such as doctors, lawyers or architects, whose activities present risks to their clients as they develop their business. In contrast, most activities involve risk. (IT companies, translators, consultants, Marketing agencies….)

Examples of claims related to professional liability insurance

Marketing and communications professionals, for example, are exposed to claims related to negligence (simple typographical errors, use of an image protected by copyright, etc.)


Example of a claim related to business liability insurance

A customer enters to a commercial shop and falls because the floor was slippery. He breaks his arm and his glasses. In this case, the shop is responsible for personal damage (broken arm) and material damage (broken glasses). The customer mayrequire the payment of medical costs and repair of the glasses. The business liability insurance will cover these costs.

LIBERTY Offer ( until 26/05/2021) :

company civil liability

  • Corte inglés gift card of 30€ for any insurance with a minimum premium of 200 euros, 60€ if premium over 400€/year and 100€ if premium over 600€/year.

If you do not have Civil Liability insurance, do not hesitate to ask us for a comparison of the best insurance here

if you have any questions, please do not hesitate to contact us directly by phone on +34 93 268 87 42 or through WhatsApp on +34 627 627 880 or by mail: [email protected]


Inov Expat : Who are we?

INOV Expat is an insurance brokerage firm aimed at expatriates in Spain and Portugal

INOV Expat is right there to help you: giving you the best advice on insurance, in English!

In fact, after 14 years, INOV Expat, an insurance brokerage firm, specialises in insurance for expatriates in Spain and Portugal, at their destinations. As insurance professionals, we’ve signed partnership agreements with the best insurance companies in the market. All INOV Expat consultants are expatriates who will be able to advise you best in the language of your choice (English, French, Russian, Spanish, Portuguese…)

Ask you free quote online : car, health, home, life, travel, others. Look at our website inovexpat.com or contact us by e-mail at [email protected], by telephone at + or whatsApp +34.627.627.880

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