3rd party insurance covers, when the company can be
made legally responsible
for injuries on other people or their belongings.
employer or the self employed can safe guard him- or herself
financially in case of liability to pay compensation by taking
a 3rd party insurance.
aware of Law / Decreto 109/2005 - 26th April
The premium is according to the actual risk. In other words, it depends
on which occupation needs to be covered : Ie. painter &
decorator, plumber, brick
layer, etc. Please be aware that it does not cover what you
or with, it covers damages as a result of what has been done.
plumber changes a radiator and in connection with this, he
damages the floor.
shelves fall down on a customer, who is shopping in a
cover concerns responsibility for damages occurred by use of
cranes mounted on trucks and static cranes.
haulage contractor is lifting rafters into position on a new
house by using the crane mounted on the truck. A chain breaks,
a rafter falls down and is destroyed, and on the way down, it
hits a person. The injury on the person is covered by the lift
responsibility, while the destroyed rafter is covered by the
responsibility of the haulage contractor.
cover concerns responsibility for injuries on people and/or
damages on things as a result of services, after they have
truck load of flour is polluted with gravel due to lack of
cleaning of the truck.
to the presence of gravel in the flour, some machinery in a
bakery is destroyed.
damage on this machinery is covered by the service
up & container responsibility:
cover concerns the responsibility you might incur, when
placing containers on areas belonging to the Road Traffic Act.
container has been placed in front of the customers house, the
warning lights don’t work, and during the night a car driver
is injured due to the unlit container. This risk is
by container responsibility.
you sign up for this type of insurance, it is very important
that you give a thorough
description, so that the insurance is tailor made to your job.
deal you the best hand” …