Liability insurance for IT professionals

When this additional module is connected, the insurance cover covers property damage or injury to health, acts in the field of public law, contractual liability, and also provides protection against claims of third parties without the fault of the insured person. Such risks are insured as:

• Object risk

  – Participation in or conduct of business trips,
  – organizing and conducting corporate events, seminars or training courses,
  – organizing and holding events for your own company,
  – participation in trade fairs, exhibitions or events,
  – use of land, buildings or premises as an owner, lessee, tenant exclusively for the insured activity. Covered are claims arising from violations of road safety obligations for which the insured is responsible in relation to the above-mentioned items (for example, structural maintenance, lighting, cleaning, sanding and snow removal). Airfields are not insured
  – rent, leasing or other transfer of developed and undeveloped land, buildings or premises belonging to the business assets of the insured to third parties in an amount up to a gross annual rent of EUR 250. This covers claims arising from violations of road safety obligations for which the insured is responsible in relation to the above-mentioned items (for example, structural repairs, lighting, cleaning, sanding and clearing of snow from sidewalks). Airfields are not insured
  – use of rented or hired cars and trailers subject to registration only for business trips, business trips and business trips domestically and abroad.
  – the use of security forces, data protection officers, company doctors or persons responsible for supervising company premises,
  – maintenance of medical or social facilities and sports clubs of the company intended exclusively for the insured company,
  – activities of the fire brigade of a factory or enterprise,
  – damage, destruction or loss of property (but not money, securities, documents, jewelry, valuables) belonging to employees and visitors,
  – incorrect installation or loss of someone else’s keys or someone else’s code cards for doors or locking systems, if they are in the legal possession of the insured person (insurance coverage includes the costs of necessary replacement or replacement of locks, locking systems, keys or code cards, as well as temporary measures security),
  – damage or destruction of rented buildings and premises (damage to rented property), unless this is an insured environmental risk,
  – loading and unloading vehicles and containers,
  – activities (for example processing, repair or testing) at third-party facilities,
  – damage, destruction or loss of movable property of third parties, provided that the insured person rented, leased or borrowed these items for a period of up to 6 months (loss of custody),
  – use, storage of aircraft models and/or flying drones for photo, thermal imaging and video recording for the Company’s purposes. The maximum weight of the model aircraft and/or flying drone, including the camera, must not exceed 5 kg. Regular maintenance of aircraft models and/or flying drones is mandatory, in particular correcting obvious defects.
  – operation of photovoltaic and solar thermal systems.

• Responsibility for products and services

  – production of products,
  – trade in goods,
  – services such as consultations, technical maintenance.

• Environmental damage insurance

  Environmental damage is:
  – damage to protected species and natural habitats,
  – damage to water bodies,
  – soil damage,
  Environmental damage is damage in which substances, vibrations, noise, pressure, jets, gases, vapors or heat propagate into the ground, air or water at different speeds, even gradually.

  Insurance protection exists only in respect of environmental damage, which is a direct result of a sudden and accidental disruption of the planned activities of the insured or a third party that occurred during the period of validity of the insurance contract.