What are you responsible for?
The general principles applicable to liability arise from the Civil Code. You can be responsible: Damages caused by your own fault, recklessness or negligence (Clauses 1240 and 1241) acts committed by your minor children (article 1242 paragraph 4) You are held responsible for the damages for which your children are the direct cause as soon as you exercise the parental authority and that they have their habitual residence at home, unless you prove: – a case of force majeure; – a fault of the victim.
What does private liability insurance cover?
The role of insurance is to replace the person responsible for compensating the victim.
In the absence of insurance, the person responsible must compensate the victim (s) himself.
Generally, the third-party liability cover covers the subscriber of the policy, as well as any person permanently residing in the home of the latter (his / her own unmarried children and / or those of the person living with him / her).
If you intentionally cause harm to others, your insurer will not intervene. According to the courts, there is intentional fault (and therefore exclusion of guarantee) when the insured has not only the will to cause the damage, but also the conscience of the consequences of his act. Professional activities Personal liability insurance excludes, in principle, any professional activity or public or trade union functions. However, it is possible to provide a guarantee extension to cover certain legal obligations (childminders, home-based carers for the elderly or disabled adults …).
What are the points to check?
Not all contracts offer exactly the same guarantees. For warranties not included in the standard contract, you often have the option of obtaining extensions. They appear then in the particular conditions of your contract. Make some checks.