Liability Insurance

Liability insurance covers a business owner's civil liability for personal or property damage inflicted on third parties related to the operation of their business, the use of property, and the introduction of products to the market (product liability).

Business Activity Liability

For our clients, we prepare insurance programs covering civil liability for damages caused to third parties in connection with business activities and property use, both contractually (damages caused to contractors) and delictually (damages caused to economically unaffiliated entities). The insurance we arrange considers the individual specifics of the business activity and associated risks to best meet our clients' needs. Given the diverse scope of liability defined by the law, proper risk analysis at the client's site, as well as proper protection of their interests through the introduction of appropriate extensions, are key for comprehensive coverage.

Product Liability

For clients involved in manufacturing, importing, and marketing products, we implement additional extensions of liability for damages caused by products introduced to the market. Initially, this insurance covers the entrepreneur's liability for damages to third parties caused by products under the provisions of the civil code regarding liability for dangerous products. This insurance can also cover costs incurred by the client (e.g., product withdrawal from the market) or their contractors (e.g., costs incurred to replace a defective product).

Professional Liability

We offer solutions tailored to the specificities of various professions for clients belonging to professional groups that must have liability insurance. It is important to note that general liability insurance for business activities does not suffice to cover damages caused during professional activities. The insurance programs we prepare not only provide protection against specific claims but also fulfill obligations arising from the regulations.

Carrier's Liability

Road transport of goods – whether under national laws or the CMR Convention – due to its very broad scope of liability, is an activity requiring proper insurance protection. Well-designed OCP insurance, protecting the carrier's interests and meeting the requirements set by clients, helps avoid problems in the event of damage to goods. PBG prepares programs that consider the territorial scope of national, international, and cabotage transports and the type of goods carried, especially considering ATP and ADR goods. For better protection in case of unusual damages (e.g., theft, caused by other traffic participants) or with a modified scope of liability (e.g., special interest in delivery), we use individually negotiated additional clauses.

Freight Forwarder's Liability

Freight forwarders acting on behalf of their clients may be liable for the non-performance or improper performance of a forwarding contract. The catalog of activities defined as forwarding has not been closed, hence the scope of a forwarder's liability is a challenge for insurance companies analyzing the damages arising from this. In preparing insurance programs for forwarders, we individually assess the scope of the activities and undertaken orders to best tailor protection to the specifics of road, sea, or air freight forwarding.

D&O

Making business decisions is associated with risks. For clients seeking protection for directors and managers of companies and organizations, we offer D&O (Directors and Officers) insurance providing protection against monetary claims raised against them, as well as legal defense costs and other expenses related to crisis events in the insured company. This insurance emerged on the Polish market in response to the need for protection against events causing liability for decision-makers in companies. In creating programs, we collaborate with leading insurers offering proven solutions, ensuring that the insurance coverage meets our clients' requirements and extending protection with additional clauses.