{"id":1915,"date":"2026-06-29T16:42:08","date_gmt":"2026-06-29T16:42:08","guid":{"rendered":"https:\/\/www.univesta.com\/insurance\/business\/responsabilite-civile\/"},"modified":"2026-07-10T17:27:56","modified_gmt":"2026-07-10T17:27:56","slug":"civil-liability","status":"publish","type":"insurance","link":"https:\/\/www.univesta.com\/en\/insurance\/business\/civil-liability\/","title":{"rendered":"Civil liability insurance"},"content":{"rendered":"\n    <section class=\"title-description section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"wrapper\">\n            <div class=\"lg:grid-col\">\n                <div class=\"lg:col-span-6 xl:col-span-5\">\n                                            <h2 class=\"text-h2\"><p>Key coverage for your <span class=\"text-decorated-circle-top\">liability<\/span><\/p>\n<\/h2>\n                                    <\/div>\n\n                <div class=\"max-lg:mt-6 lg:flex lg:flex-col lg:col-span-6 lg:col-start-7\">\n                    <div class=\"wysiwyg-container \">\n    <p>Civil liability insurance protects your business when it\u2019s held responsible for damage caused to others in the course of its activities.<\/p>\n<p>That damage can be:<\/p>\n<ul>\n<li>property damage (e.g. harming something that belongs to a client)<\/li>\n<li>bodily injury (e.g. someone gets hurt)<\/li>\n<\/ul>\n<p>This coverage generally takes care of claim-related costs, including settlements and legal fees. It also extends to your employees\u2019 actions when they\u2019re carrying out their duties.<\/p>\n<p>It\u2019s essential coverage for limiting the financial impact and keeping your business going when a claim arises.<\/p>\n<\/div>                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n    <section class=\"accordions  || section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\" wrapper || lg:grid-col\">\n            <div class=\"mb-6 || lg:mb-0 lg:col-span-6 xl:col-span-5\">\n                    <div class=\"intro-sided\">\n                    <h2 class=\"text-h2 [&#038;_em]:font-secondary\">FAQ<\/h2>\n                <div class=\"wysiwyg-container || mt-5 lg:mt-8\">\n    <p>Have questions about your coverage? Find quick answers to the ones we hear most often.<\/p>\n<p>If your situation needs a closer look, or your question isn\u2019t here, our team is happy to help. Reach out for answers tailored to you: 1 833 789-9203.<\/p>\n<\/div>            <\/div>\n            <\/div>\n            <div class=\"accordions-container || space-y-5 lg:col-start-7 lg:col-span-6\">\n                \n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-0\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                Is this insurance mandatory?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Even where it isn\u2019t strictly required for your sector, it\u2019s still essential for protecting your business against the financial risk of a claim.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n\n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-1\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                What kinds of damage are covered?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Mainly property damage and bodily injury caused to others.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n\n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-2\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                Are my employees covered if they cause damage?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Yes \u2014 employees are generally included in the definition of the insured when they\u2019re acting in the course of their duties.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n\n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-3\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                Are there important exclusions to know about?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>Yes \u2014 certain exclusions can apply, particularly for intentional acts or activities not declared in the policy. Reach out and we\u2019ll walk through what applies to your specific situation.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n\n    <div class=\"accordion || js-accordion-parent accordion-section || group custom-transition rounded-lg px-5 [&#038;.js-accordion-line--opened]:bg-accent hover:bg-accent bg-white || lg:px-8\">\n        <button aria-controls=\"accordion-answer-4\" aria-expanded=\"false\" class=\"js-accordion-trigger || appearance-none relative flex flex-col items-start py-[1.375rem] w-full cursor-pointer || sm:flex-row sm:items-center sm:gap-x-6 lg:py-8 2xl:gap-x-8\">\n            <h3 class=\"text-h5 || font-normal pr-16 transition-colors duration-200 text-left group-hover:text-white [.accordion.js-accordion-line--opened_&#038;]:text-white || sm:pr-20\">\n                What\u2019s the most the insurer will pay?            <\/h3>\n            <div class=\"js-accordion-button || absolute right-0 top-1\/2 -translate-y-1\/2 flex items-center justify-center [.accordion.js-accordion-line--opened_&#038;]:rotate-0 rotate-180 custom-transition [&#038;_svg]:w-[40%] [&#038;_path]:stroke-textcolor group-hover:[&#038;_path]:stroke-white [.accordion.js-accordion-line--opened_&#038;_path]:stroke-white size-[1.875rem]\">\n                <svg width=\"21\" height=\"13\" viewBox=\"0 0 21 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M2 11.5L10.5 3L19 11.5\" stroke=\"black\" stroke-width=\"3\"\/>\n<\/svg>\n            <\/div>\n        <\/button>\n        <div class=\"js-accordion-answer || block h-0 overflow-hidden\">\n            <div class=\"wysiwyg-container || wysiwyg-small pb-[1.875rem] pt-[0.875rem] max-w-[760px] wysiwyg-light lg:pt-2 lg:pb-8\">\n    <p>The maximum is set by the limit of coverage in your policy. A deductible may also apply \u2014 the portion of the cost that\u2019s yours to carry.<\/p>\n<\/div>        <\/div>\n    <\/div>\n\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n    <section class=\"offset-cards section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"wrapper\">\n            <div class=\"flex flex-col gap-8 || lg:grid-col lg:relative\">\n                <div class=\"lg:sticky lg:top-8 lg:h-fit lg:col-start-1 lg:col-span-5\">\n                        <div class=\"intro-sided\">\n                    <h2 class=\"text-h2 [&#038;_em]:font-secondary\"><span class=\"text-decorated-circle-bottom\">Why<\/span> work with a business insurance broker<\/h2>\n                <div class=\"wysiwyg-container || mt-5 lg:mt-8\">\n    <p>An independent broker works for you, not for an insurer \u2014 comparing offers, advising you, and standing up for your interests at every step.<\/p>\n<\/div>            <\/div>\n                <\/div>\n                <div class=\"flex flex-col gap-5 || lg:col-start-6 lg:col-span-7 xl:col-start-7 xl:col-span-6\">\n                    \n<div class=\"offset-card || px-5 pt-5 pb-6 flex flex-col justify-between rounded-image bg-tertiary odd:bg-white || lg:pl-8 lg:px-8\">\n            <h3 class=\"text-h4 \">Access to multiple insurers<\/h3>\n        <div class=\"wysiwyg-container || mt-8\">\n    <p>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.<\/p>\n<\/div><\/div>\n<div class=\"offset-card || px-5 pt-5 pb-6 flex flex-col justify-between rounded-image bg-tertiary odd:bg-white || lg:pl-8 lg:px-8\">\n            <h3 class=\"text-h4 \">Advice built around you<\/h3>\n        <div class=\"wysiwyg-container || mt-8\">\n    <p>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\u2019s right-sized \u2014 neither too much nor too little.<\/p>\n<\/div><\/div>\n<div class=\"offset-card || px-5 pt-5 pb-6 flex flex-col justify-between rounded-image bg-tertiary odd:bg-white || lg:pl-8 lg:px-8\">\n            <h3 class=\"text-h4 \">An ally at claims time<\/h3>\n        <div class=\"wysiwyg-container || mt-8\">\n    <p>When something happens, your broker is on your team \u2014 guiding you through the claim, defending your interests with the insurer, and making sure your business gets everything it\u2019s entitled to.<\/p>\n<\/div><\/div>                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n\n    <section class=\"cta-banner-image || section || last-of-type:!mb-10 xl:last-of-type:!mb-14\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"flex flex-col\">\n            <div class=\"wrapper || flex flex-col flex-1 || lg:w-full\">\n                <div class=\"relative flex-1 flex items-center justify-center rounded-image overflow-hidden\">\n                                            <div class=\"absolute inset-0 overflow-hidden\">\n                            <span data-parallax=\"0.15\" class=\"block size-full\">\n                                <div class=\"thumbnail w-full size-full object-cover scale-110 parallax-container\"\n    style=\"padding-bottom: 32.469512195122%\"\n  >\n\n  <img decoding=\"async\" width=\"1920\" height=\"1010\" data-src=\"https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1920x1010.png\" class=\"parallax-container-image lazyload\" alt=\"Image de fond\" data-srcset=\"https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1920x1010.png 1920w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1536x808.png 1536w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-2048x1078.png 2048w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1400x737.png 1400w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-1024x539.png 1024w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-640x337.png 640w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-480x253.png 480w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-350x184.png 350w, https:\/\/www.univesta.com\/wp-content\/uploads\/2026\/07\/Univesta-Assurances-Hero-retouche-150x79.png 150w\" data-sizes=\"(max-width: 1920px) 100vw, 1920px\" style=\"--smush-placeholder-width: 1920px; --smush-placeholder-aspect-ratio: 1920\/1010;object-position: 92% 77%;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/div>                            <\/span>\n                        <\/div>\n                        <div class=\"absolute inset-0 overflow-hidden bg-accent\/30\"><\/div>\n                    \n                    <div class=\"relative z-10 flex flex-col items-center px-5 py-[87px] || lg:max-w-[650px]\">\n                                                    <h2 class=\"text-h2 || text-light mb-8 text-center\">What <span class=\"text-decorated-underline-wavy\">matters to you<\/span> matters to us.<\/h2>\n                                                <div class=\"wysiwyg-container || text-center wysiwyg-light\">\n    <p>We take the time to really understand your situation, so we can protect you better.<\/p>\n<\/div>                            <a href=\"tel:18337899203\" class=\"orange mt-6 || lg:mt-8 btn-primary\"  target=\"\" rel=\"noopener\" >\n        Call us 1 833 789-9203    <\/a>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n","protected":false},"excerpt":{"rendered":"<p>Univesta shields your business from third-party claims. Bodily injury or property damage, essential coverage so you can operate with confidence.<\/p>\n","protected":false},"featured_media":1916,"parent":1602,"menu_order":0,"template":"","meta":{"_acf_changed":false,"wds_primary_example-category":0},"example-category":[32,31,30],"class_list":["post-1915","insurance","type-insurance","status-publish","has-post-thumbnail","hentry","example-category-large-business","example-category-mid-sized-business","example-category-small-business"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/insurance\/1915","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/insurance"}],"about":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/types\/insurance"}],"up":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/insurance\/1602"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media\/1916"}],"wp:attachment":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media?parent=1915"}],"wp:term":[{"taxonomy":"example-category","embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/example-category?post=1915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}