Large Companies
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Avéro has developed, for your ease, the concept "Field underwriting". Our underwriters, specialists in their field – and therefore yours – help your broker to assess the risks, make recommendations regarding prevention, draw up an offer and, if applicable, issue a cover on site. This is one way for Avéro to exercise empathy and proximity, since we are convinced that effective underwriting is done fully aware of the facts, in the field.
It is our responsibility to offer you an insurance appropriate for your needs.
Third Party Liability
This insurance covers the extra-contractual third party liability that is incumbent on you for all damage caused to third parties during the professional activities of your company, and, inter alia, the damage caused by your staff, your buildings and your equipment as well as any damage caused to third parties by your products after their delivery or by the works after their execution.
The following elements are automatically insured:
- bodily injury and material damage;
- consequential non-material damage;
- pure non-material damage(in operational Third Party Liability);
- the risks of fire, smoke, explosion and flood (except for what is already insured in your fire contract);
- accidental pollution and neighbourhood nuisance, in certain specific conditions;
- the damage caused by unregistered construction site equipment;
- temporary workers and the workmen's compensation right of recourse insurance.
Objective liability in the event of fire or explosion
A third party that suffers damage by fire or explosion in a place of business accessible to the public can render the operator of that place of business liable without fault of that operator having to be proven.
In other words, in the event of fire or explosion, the operator of such a place of business is obliged to indemnify the bodily injury or material damage suffered by third parties, even if the operator has not committed any fault.
This insurance is compulsory (law of 14 July 1991).
This concerns:
- restaurants, cafés and hotels
- places used for commercial purposes (surface area of at least 1,000 m²)
- showrooms, cultural centre, multi-purpose facilities, gymnasiums
- office buildings (surface area of at least 500 m²)
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