Civil liability insurance
Civil liability insurance is essential for protecting your business against the financial fallout of damage it might cause to others while doing what it does. Whether bodily injury or property damage, claims can hit your organization’s stability hard.
At Univesta, you get personalized support and access to a vast network of insurers — whatever your sector or where you operate. That range lets us find coverage built to fit your reality.
Key coverage for your liability
Civil liability insurance protects your business when it’s held responsible for damage caused to others in the course of its activities.
That damage can be:
- property damage (e.g. harming something that belongs to a client)
- bodily injury (e.g. someone gets hurt)
This coverage generally takes care of claim-related costs, including settlements and legal fees. It also extends to your employees’ actions when they’re carrying out their duties.
It’s essential coverage for limiting the financial impact and keeping your business going when a claim arises.
FAQ
Have questions about your coverage? Find quick answers to the ones we hear most often.
If your situation needs a closer look, or your question isn’t here, our team is happy to help. Reach out for answers tailored to you: 1 833 789-9203.
Even where it isn’t strictly required for your sector, it’s still essential for protecting your business against the financial risk of a claim.
Mainly property damage and bodily injury caused to others.
Yes — employees are generally included in the definition of the insured when they’re acting in the course of their duties.
Yes — certain exclusions can apply, particularly for intentional acts or activities not declared in the policy. Reach out and we’ll walk through what applies to your specific situation.
The maximum is set by the limit of coverage in your policy. A deductible may also apply — the portion of the cost that’s yours to carry.
Why work with a business insurance broker
An independent broker works for you, not for an insurer — comparing offers, advising you, and standing up for your interests at every step.
Access to multiple insurers
Your broker shops the market for you across a range of insurers and brings you the best options. The result: coverage that genuinely fits the way you do business.
Advice built around you
No off-the-shelf solutions here. Our experts look at your situation, the risks in your sector, and what you actually need, then recommend coverage that’s right-sized — neither too much nor too little.
An ally at claims time
When something happens, your broker is on your team — guiding you through the claim, defending your interests with the insurer, and making sure your business gets everything it’s entitled to.
What matters to you matters to us.
We take the time to really understand your situation, so we can protect you better.