{"id":4461,"date":"2025-08-06T21:22:37","date_gmt":"2025-08-06T19:22:37","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?p=4461"},"modified":"2025-10-18T10:08:34","modified_gmt":"2025-10-18T08:08:34","slug":"civil-liability-insurance","status":"publish","type":"post","link":"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/","title":{"rendered":"Liability insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h1>What is liability insurance and why might you need one (even if you don't know it)?<\/h1>\n<p>What if one day your dog bites a neighbour, or if when you renovate your house you cause a leak in the roof of the house downstairs, or if, as a self-employed person, you make a professional mistake that ends up in a lawsuit? In all these cases, there is a figure that can save you a lot of trouble (and a worse bill): the <strong>civil liability insurance<\/strong>.<\/p>\n<p>You may think that this is something for large companies or white-coated professionals. But the truth is that this kind of insurance, also known as <strong>CR insurance<\/strong>is much more present in your daily life than you think.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Entonces_%C2%BFque_es_exactamente_un_seguro_de_responsabilidad_civil\" >So what exactly is liability insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Ejemplos_que_te_haran_entenderlo_al_vuelo\" >Examples that will make you understand it on the fly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Tipos_de_seguros_de_responsabilidad_civil\" >Types of liability insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Responsabilidad_civil_profesional\" >Professional liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Responsabilidad_civil_de_explotacion\" >Operational liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Responsabilidad_civil_familiar_o_particular\" >Family or personal liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Responsabilidad_civil_de_productos\" >Product liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Responsabilidad_civil_patronal\" >Employer's liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Responsabilidad_civil_locativa\" >Premises Liability<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFPor_que_es_tan_importante_contar_con_uno\" >Why is it so important to have one?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFY_cuanto_cuesta_un_seguro_de_responsabilidad_civil\" >And how much does liability insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFComo_saber_que_tipo_necesitas\" >How do you know which type you need?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Preguntas_frecuentes\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFQue_danos_cubre_un_seguro_de_responsabilidad_civil\" >What damages are covered by liability insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFAutonomos_y_empresas_necesitan_seguros_distintos\" >Do self-employed and companies need different insurances?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFY_si_solo_soy_una_persona_normal_sin_negocio\" >What if I am just a normal person, with no business?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#%C2%BFQue_ventajas_tiene_contratarlo_a_traves_de_una_correduria\" >What are the advantages of contracting through a brokerage?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/lawebdeseguros.com\/en\/civil-liability-insurance\/#Conclusion_personal\" >Personal conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Entonces_%C2%BFque_es_exactamente_un_seguro_de_responsabilidad_civil\"><\/span>So what exactly is liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <strong>civil liability insurance<\/strong> is a policy that protects you when you unintentionally cause damage to another person or their property. We are talking about physical, material or even economic damage.<\/p>\n<p>The key point? That if you are responsible, the insurance takes care of the <strong>indemnities, legal costs, lawyers and bonds<\/strong> that they can demand from you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ejemplos_que_te_haran_entenderlo_al_vuelo\"><\/span>Examples that will make you understand it on the fly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Your child playfully throws a rock and breaks the window of the neighbour's car.<\/li>\n<li>You are an architect and, because of a mistake in the plans, the work is wrong and part of it has to be redone.<\/li>\n<li>While cleaning your shop front, a worker slips and injures himself.<\/li>\n<li>Your pet causes an accident in the park.<\/li>\n<\/ul>\n<p>In all these cases, if there is a claim, your insurance will vouch for you. It's as simple as that.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_de_seguros_de_responsabilidad_civil\"><\/span>Types of liability insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Depending on who you are and what you do, there is a <strong>specific type of coverage<\/strong>. Here are the most common ones:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil_profesional\"><\/span>Professional liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Designed for doctors, lawyers, architects, consultants... Covers errors or omissions in their work that cause damage to third parties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil_de_explotacion\"><\/span>Operational liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Protects businesses against damage during the development of their activity. Ideal for shops, workshops, service companies...<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil_familiar_o_particular\"><\/span>Family or personal liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Covers you as an individual. From damage caused by your children to everyday situations, such as bumping into someone in the street and causing an injury.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil_de_productos\"><\/span>Product liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you manufacture or sell products, this policy covers damage they may cause once they are delivered to the customer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil_patronal\"><\/span>Employer's liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Protects companies in the event of claims by employees who suffer accidents at work.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil_locativa\"><\/span>Premises Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you rent premises or an office, this insurance covers any damage you may cause to the rented property.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_es_tan_importante_contar_con_uno\"><\/span>Why is it so important to have one?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Because you don't have to have bad intentions to make a mistake. And when the damage is done, the costs can be enormous. The <strong>civil cover insurance<\/strong> works like a shield that protects your personal or business assets against unforeseen events.<\/p>\n<p>In addition, in many sectors it is <strong>mandatory by law<\/strong>. For example, lawyers, doctors or architects must have one in order to practice.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFY_cuanto_cuesta_un_seguro_de_responsabilidad_civil\"><\/span>And how much does liability insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It depends. A self-employed person giving private lessons is not the same as a construction company. The insurance premium varies according to the level of risk, the type of activity, the sum insured, etc.<\/p>\n<p>But what is constant is this: <strong>costs much less than a single court award<\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_saber_que_tipo_necesitas\"><\/span>How do you know which type you need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is normal to feel lost. That's why it's best to talk to a specialist broker. We compare options from different insurers and recommend what you need, no more and no less.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_danos_cubre_un_seguro_de_responsabilidad_civil\"><\/span>What damages are covered by liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Personal, material and economic damage caused to third parties by accident, negligence or carelessness.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFAutonomos_y_empresas_necesitan_seguros_distintos\"><\/span>Do self-employed and companies need different insurances?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, a <strong>freelance<\/strong> needs specific professional coverage. A <strong>company<\/strong> may require several: operating, employer, product...<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFY_si_solo_soy_una_persona_normal_sin_negocio\"><\/span>What if I am just a normal person, with no business?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can (and should) also have family liability insurance. Many <a class=\"wpil_keyword_link\" title=\"household insurance\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/\" data-wpil-keyword-link=\"linked\">household insurance<\/a> are included, but it is worth checking it carefully.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_ventajas_tiene_contratarlo_a_traves_de_una_correduria\"><\/span>What are the advantages of contracting through a brokerage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You save time and money. Brokers don't work for a specific insurance company, they work for you. They look for the best for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_personal\"><\/span>Personal conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Look, I don't mean to be scary, but we live in a world where anything can end up in a lawsuit. Having a <strong>civil liability insurance<\/strong> it's not a luxury, it's a necessity. And the sooner you understand this, the better protected you (and your wallet) will be.<\/p>\n<p>I, for example, have had one since my daughter accidentally knocked over a lamp at a friend's house. Luckily, nothing serious happened. But I realised that small accidents can have big consequences.<\/p>\n<p><strong>Protecting yourself is not for the paranoid. It is to be cautious.<\/strong><\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Do you have questions about liability insurance?<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">We help you understand what cover you need and why it may be essential for you or your business. Talk to an expert, no obligation.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=%C2%BFTienes+dudas+sobre+los+seguros+de+de+responsabilidad+civil%3F\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Liability insurance protects your assets against damage to third parties. Compensation and legal defence for errors, accidents or negligence. Essential for freelancers and companies.<\/p>","protected":false},"author":2,"featured_media":4463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-terminos-frecuentes","category-20","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/4461","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=4461"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/4461\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/4463"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=4461"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=4461"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=4461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}