Civil Liability - Technical Insurance

PROFESSIONAL URBAN LIABILITY

DISEASE RESPONSIBILITY OF DOCTORS

Medical doctors who are legally authorized to practice the profession are insured for:

I. Personal injuries (including compensation for moral harm / mental suffering) that may be caused to clients / patients by

(a) any excusable negligence, mistake or omission of the insured person in the course of his medical duties;

(b) mistakes or omissions in the execution of instructions given to his assistants

(c) use of defective medical material

II. Physical damages and / or material damage that may be caused to third parties by the internal or external facilities of the clinic.

URBAN LIABILITY OF PHARMACEUTICALS

Pharmacists who are legally authorized to exercise the profession shall be insured for:

- Physical damages that may be caused to the pharmacist's customers by the fault of the same or his employee when performing a prescription or preparation of a preparation or by the pharmacy's internal and external facilities.

- Material damage that may be caused to third parties by the internal or external facilities of the pharmacy.

GENERAL URBAN LIABILITY

CIVIL LIABILITY FROM CONSTRUCTION WORKS (REFUNDS / RENOVATIONS)

Technical contractors, construction contractors / subcontractors, construction companies, as well as the owner or the developer are insured.

Accidents (personal injuries and material damage, including financial loss due to moral damage / mental suffering) that will be incurred during the performance of the work and for which the insured person will be liable and will be required to pay compensation are covered.

Accidents (personal injuries / material damage) may also be optionally insured by:

- use of scaffolding, winches and hoists

- damage to adjacent / adjacent buildings or buildings or their contents

- damage to facilities of Public Utilities

CIVIL LIABILITY FOR PUBLIC WORKS

Technical firms, contractors / subcontractors of public works, as well as the developer

Accidents (personal injuries and material damage, including financial loss due to moral damage / mental suffering) that will be incurred during the performance of the work and for which the insured person will be liable and will be required to pay compensation are covered.

Accidents (personal injuries / material damage) may also be optionally insured by:

- use of scaffolding, winches and hoists

- damage to adjacent / adjacent buildings or buildings or their contents

- damage to facilities of Public Utilities

CIVIL LIABILITY FROM BUSINESS OPERATION (OFFICES / SHOPS)

Physical damages and material damage to customers or shop / business visitors are covered by an accident for which the owner will be responsible and which will be connected with the operation of its facilities.

LOCAL RESPONSIBILITY OF RESPECT OF RESTAURANTS (RESTAURANTS / CAFE-BAR / REFRIGERATORS)

Physical damages and material damage to customers or shop / business visitors are covered by an accident for which the owner will be responsible and which will be connected with the operation of its facilities.

It also covers food poisoning that may occur to shoppers

CIVIL LIABILITY BY THE TEACHING OF TEACHERS

Owners of private schools, schools, kindergartens and kindergartens, as well as public school and kindergarten managers are insured.

Registered students, their parents, visitors and others are covered for personal injuries and material damage that may be caused by an accident for which the insured is responsible and which is related to: