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Civil liability: third-party and product damage

Civil liability is the cover that is most often contracted and least often read. The difference between a correct policy and an insufficient one is almost never in the main limit, but in the sub-limits and how the insured activity is worded.

Technical notePublic and product liability9 April 2026

Product liability and recall expenses: two covers that are confused daily

One covers the damage caused by the product. The other pays for the operation of removing it from the market before it causes damage. They are not the same guarantee.

6 min read

Regulatory updatesPublic and product liability24 March 2026

European AI Regulation: what changes for the liability of those who implement it

The regulation classifies systems by risk and imposes obligations on both the provider and the company that uses them. Insurance is still lagging behind.

6 min read

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LiabilityWe protect your business against third-party loss or damage arising from its activities.

Sectors where it weighs the most:Alimentación Químico y Farmacéutico Life Sciences

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Direct action of the injured party Compensation scale Accidental pollution Recall expenses Operational liability Product liability Employer's liability Post-completion liability Professional liability

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Civil liability: third-party and product damage

Product liability and recall expenses: two covers that are confused daily

European AI Regulation: what changes for the liability of those who implement it

Vocabulary that appears here

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