Did you know that if you accidentally injure a third party while working, you are legally obliged to do so? repair of the caused damages? This is called technical Civil Liability (RC). If you are self-employed and do not have RC insurance, you will have to answer at your own expense against compensation so high that it can have serious consequences (no house, no car …) due to simple negligence. Would you dare to drive without insurance? The same thing happens in your work. Safety is the most important thing.
AGREE CIVIL RESPONSIBILITY OFFICE
If you architect, site manager, decorator, interior designer, bricklayer or perform repair work such as electrician, tiler, parquet, plumbing, …., You need civil liability insurance for construction. This is the most basic guarantee for protecting your invoices against expensive repairs, third-party benefits and complex procedures that can jeopardize your work and reform schedule and even the future of your business. Liability insurance is a sign of safety and professionalism. Basic protection that allows you to reach more customers and close more budgets, even if you’re not doing big tasks or work where you’ve hit structures.
Let’s see why.
Civil liability insurance for construction, one base for rent
Construction is one of the professions with the highest loss rate in Spain. This means exposing yourself to a number of risks that can change the plans of a work at any time: fall causing sprains or broken bones leading to the loss of the employee; poor electrical installations causing short circuits or burning; cracks or pipes that leak water and cause flooding; accidents while working with machines; landslides … And so we could keep listing examples until we complete the endless list of accidents. It is humanly impossible to anticipate all these risks and ensure the safety of you, your employees (if you have any) and your customers.
For this there are liability insurance policies, flexible policies that can be tailored to your risk profile and your job. Protection that also guarantees you compensation for damages (except for those you have caused yourself) within a maximum period of 40 days. If a third party breaks your materials or damages your work, your insurer will support you financially. However, if you are not insured with the appropriate CR coverage, you should Pay for the decisions out of your own pocket and wait years to try to repair the damage.
What construction liability coverage do we recommend you hire?
If you are working on improvements and reforms where you do not touch structures, just hire the following:
- Civil liability for operation: This is the most basic and mandatory permit for the municipal council to approve permits for construction, construction, reforms or demolition. It covers personal or property damage to third parties that you or your employees may cause accidentally and the resulting compensation.
- Legal protection: This can save you a lot of money if you need legal help from a lawyer or go to court.
- Responsibility of employers: which can be attributed to you as an employer or company for personal injury claims caused by your employees as a result of actions or omissions in an industrial accident.
- Civil liability after work: to protect you from possible poor performance or result of work or reform between 6 months (the most common) and 2 years after its completion.
On the other hand, if you are dedicated to external and structural work, our advice is to choose Complete insurance for construction and installation to protect the work you perform against material damage (short circuit, overvoltages, external mechanical influences, breakage of the material, etc.). This is insurance that covers both your civil liability and that of your employees against damage to third parties during construction work.
It may be interesting that you watch it too Damage liability coverage near neighboring buildings in the work you do; Additional legal responsibility for carrying out demolition and / or demolition activities before the execution of the work; and the additional legal liability of subcontractors to be covered against damages resulting from the actions of third parties that depend on you.
In addition to the basic CR in construction insurance and casco insurance there is also ten-year construction insurance (with coverage of 10 years from the construction of the property and mandatory for promotions for the sale of housing), housing insurance and construction works, as well as a contract for construction accident insurance (mandatory in most contracts in the construction sector for the protection of workers).
If you have any questions about your particular case, you can contact SingularCover at email@example.com and they will advise you for free.
What jobs can you do as a freelance builder?
The ones you need. In other words: all construction work (for houses, shopping malls, schools, hospitals, auditoriums, etc.) and all types of construction work (housing, roads, highways, railway works, pipelines, …) can be insured. .). This is an important requirement the policy must be removed before starting work and for construction damage affecting the work itself, the sum insured must match the construction value at the date of completion of the work (do not even be guided by the value stated in the project, which is usually lower, nor by the sale value, which is usually higher).
The cost of construction insurance is calculated according to the risk of construction or reform.
In short, taking out Third Party Liability insurance if you work in construction and repair is the best way get the job done on time and on budget Although there are unforeseen events that will come at a priceless price without insurance. Especially given the bad publicity and loss of business caused by an unhappy customer.
Many professionals are involved in the work: architects, builders, developers, masons … All of them must be covered by their civil liability to avoid problems. Not only to think for themselves, but also to comply with legal requirements (for example, there are mandatory insurance policies for developers and architects) and financially for construction (when banks finance construction, they usually require comprehensive construction insurance as a guarantee for your funds in case of damage). The big advantage of these insurance policies is this You can adjust your liability policy to pay only the coverage required by your business or profession. It is not a question of paying more, but of better payment.
We recommend it for your peace of mind and professionalism take on the work and reforms you work in. Your accounts will appreciate it and your customers will know how to reward it.
AGREE CIVIL RESPONSIBILITY OFFICE