Liability Insurance
A fundamental pillar of business protection, covering the financial impact of bodily injury, property damage, and pure financial losses caused to third parties.
Your company's stability, even when mistakes happen.
The obligation to compensate for damages caused represents one of the biggest risks to business stability in the current legislative environment. Even with maximum caution, human error or technical defects cannot be ruled out, and claims from injured parties can reach devastating amounts, especially in cases of bodily injury. We design individual insurance programs that cover not only direct damages caused by your operational activities but also related legal defense costs and subrogation claims from health insurance companies.
What does our solution cover for you?
Operational Liability
This insurance covers damages arising from the ordinary course of your business operations. This includes incidents such as a visitor falling on a wet floor at your company's premises, or damage caused by your employee while working at a client's site. It also covers liability arising from property ownership (e.g., snow falling from a roof onto someone else's car).
Passive Legal Protection
In the case of liability insurance, the insurer acts not only as a "payer of damages" but also as your defender. If a claim is made against you unjustly or for an excessive amount, the insurance company will take over the dispute and cover all costs of your defense. This is crucial at a time when the aggressiveness in claiming compensation is increasing.
Pure Financial Losses
Not every damage is immediately visible. We also specialize in covering so-called pure financial losses, where your activities do not result in physical damage to property, but a third party incurs a financial loss (e.g., your equipment blocking the entrance to a shopping center, causing lost profits for retailers).
Examples of real-life incidents this insurance covers
Visitor Injury
A client on your premises tripped over a loose strip and suffered a complicated fracture. The insurance will cover pain and suffering, medical expenses, and lost earnings.
Fire at a Neighbor's Property
A fire spread from your technology to a neighboring warehouse. The insurance company covers damages to the neighbor's building and inventory, including business interruption.
Flooding of Leased Offices
A burst hose on a company dishwasher flooded the leased premises and the offices on the floor below. The insurance covers damages to the building and neighbors' property.
Damage During Installation
During equipment installation at a client's site, your employee accidentally damaged expensive flooring. The insurance company will pay for the floor repair costs.
How Eurovalley can help you
New NIS2 Cybersecurity Legislation in the Czech Republic: Who it Affects and What You Need to Know
From November 2025, a new Cybersecurity Act (No. 264/2025 Coll.) will come into effect in the Czech Republic, transposing the European NIS2 Directive into Czech law. This directive fundamentally changes the rules for ensuring cybersecurity and will affect hundreds of thousands of organizations across the EU – and thousands of entities in our country.
Let's talk about liability
The obligation to compensate for damages caused represents one of the biggest risks to business stability in the current legislative environment. Even with maximum caution, human error or technical defects cannot be ruled out, and claims from injured parties can reach devastating amounts, especially in cases of bodily injury. We design individual insurance programs that cover not only direct damages caused by your operational activities but also related legal defense costs and subrogation claims from health insurance companies.
