Liability, Section 914 of the Civil Code, is any illegal action or omission which damages the other. Therefore, anyone who harms the other illegally and is liable is obliged to compensate him.

We all know that the person who causes a harm to his fellow man is obliged, morally and legally, to compensate him. This obligation is known as civil liability vis-à-vis third parties. The civil liability insurance policy protects and covers the policyholder from the consequences of his actions or omissions by negligence, which result in damage to a third party.

The damage caused may be:

• Third party property, in which case we refer to material damage
• To a third person, in which case we are referring to physical injury or loss of life.
  
  

PROFESSIONAL LIABILITY INSURANCE

Professional civil liability insurance relates to the breach of duty. It covers any amount that a natural or legal person will be legally obliged to pay as compensation including costs and expenses of the applicant as a result of any claim or claims made against him, an official or a manager due to his negligence, error or omission, during or in the exercise of his business.

It is possible to cover any profession after consent.

Insured: Building owner, building manager, Management Committee

• Coverage: Accidents that will occur in and/ or result ing from the public/common areas of the building are covered.
  
  

• Included: Responsibility for fire, pipe leakage, elevator operation, signs and loading/unloading.
  
  

• Indicatively, third parties are considered: tenants, visitors, passers-by. Also third parties are considered among them to be the co-owners for damages to which the co-ownership is responsible and includes the liability of each co-owner to third parties, to the other co-owners and to the co-ownership. The manager, as well as the members of his family, is also considered to be a third party for damages to which the co-ownership is responsible.

Insured: Owner/ company of commercial or professional office.

• Coverage: Owner/ company of commercial or professional office.
  
  

• Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading and Employer Liability.
  
  

• Indicatively, third parties are also considered: Customers, Visitors, Suppliers.

Insured: Pharmacy owner/pharmacist.

▪Coverage: Accidents that will occur in the premises and facilities of the pharmacy are covered.
Responsibility for the execution of medical prescriptions and the manufacture of proprietary preparations.
Liability derived from the existence of a laboratory, provided that it is not equipped for industrial production.
Personal civil liability of any licensed pharmacy manager or associate pharmacist holder of a diploma for at least two years, for accidental damages incurred to third parties other than the insured person himself during the performance of their work.

▪ Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading and Employer Liability.

▪ Indicatively, third parties are also considered: Customers, Suppliers.

Insured: Owner of educational institution, school, school, kindergarten, kindergarten, kindergarten, children's playground, nursery, adult school.

▪Coverage: Accidents that will occur in the school premises and facilities are covered.
Liability for the transportation of students in private vehicles of the insured from the residence to the school and vice versa, to and from the various venues and destination areas of school excursions, under the supervision of the school staff.
Responsibility for educational and recreational activities, even outside the school hours, provided they are supported by the administration as well as during organized day trips within the Greek territory and visits to institutions, museums, educational spaces, etc..
Responsibility of the educational or administrative or auxiliary staff.

▪ Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading, food poisoning and Employer Liability.

▪ Indicatively, third parties are also considered: Students, Parents, Relatives, Guardians, Visitors.

Insured: Owner of a consumer goods store, commercial company.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered..
  
  

• Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading and Employer Liability.
  
  

• Indicatively, third parties are also considered: Customers, visitors, suppliers.

Insured: Owner of restaurant, cafe, canteen, takeaway shop, delivery shop.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered.
  Food Poisoning, on and off the premises, from the first patient.
  
  

• Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading and Employer Liability.
  
  

• Indicatively, third parties are also considered: Customers, visitors, suppliers.

Insured: Owner of elevator maintenance company.

• Coverage: Accidents that will occur during the activity of the insured person and the poor operation of the lifts to be maintained are covered.
  All lifts maintained by the insured person per building shall be secured and a detailed list of addresses shall be submitted.
  
  

• Included: Employer's Liability.
  
  

• Indicatively, third parties are also considered: Customers, visitors, managers, apartment owners, tenants.

Insured: Car parking company owner.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered.
  Property damage caused by fire and total theft in third-party vehicles delivered for safekeeping within the premises of the company.
  
  

• Included: Responsibility for fire, pipe leakage, elevator operation, signs and Employer Liability.
  
  

• Indicatively, third parties are also considered: Customers, visitors.

Insured: Owner of a workshop/service station/car wash shop.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered.
  Property damage from fire and total theft in third-party vehicles delivered for storage/repair, within the premises of the company.
  
  

• Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading, Employer Responsibility and use of project machinery.
  
  

• Indicatively, third parties are also considered: Customers, visitors, suppliers.

Insured: Salon owner/ beauty services.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered.
  This includes liability arising from the professional activity of the insured person, namely: personal injuries caused by the placement of dyes, dyes, products for "perm" or perfumes as well as liability by the grooming services of hands (manicures), pedicures, hair removal and aesthetic care.
  
  

• Included: Responsibility from fire, pipe leakage, elevator operation, signs, loading/unloading, Employer Liability and misuse or burns from contacts with heating facilities or equipment, electricity, hot water.
  
  

• Indicatively, third parties are also considered: Customers, visitors, suppliers.

Insured: Owner of gym, dance school, sports area.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered.
  Liability from external and internal installations such as signs, display cabinets, awnings, storefronts, cabinets, lighting systems, machinery or equipment, which must be in perfect condition and maintained normally, excluding the risks arising from and from the installation and maintenance carried out by the owner or third parties.
  Liability for the use of bath facilities and sports facilities. The insurance is valid for the free use of the facilities made by customers within the business.
  
  

• Included: Responsibility from fire, pipe leakage, elevator operation, signs, Employer Liability, loading/unloading and misuse or burns from contacts with heating, electricity, hot water installations or equipment.
  
  

• Indicatively, third parties are also considered: Customers, visitors, suppliers, members.

Insured: Owner of a building, apartment, residence (permanent or holiday home). rented for tourist purposes.

• Coverage: Accidents that will occur in the premises and facilities of the building are covered.
  
  

• Included: Responsibility for fire, pipe leakage, elevator operation, signs and loading/unloading.
  
  

• Indicatively, third parties are also considered: Tenants, customers, visitors.

Insured: Owner of a business that undertakes building cleaning.

• Coverage: Accidents that will occur during the work and during the handling of equipment of the insured and the collection and disposal of waste within and around the premises of the insured customers are covered.
  
  

• Included: Liability from Fire and Employer Liability.
  
  

• Indicatively, third parties are also considered: Customers, visitors, facilities.

Insured: The organizer of an event, concert, exhibition, seminar, conference and the exhibitor participating in an event.

• Coverage: Accidents that will occur during the event are covered.
  
  

• Included: Responsibility for fire, loading/unloading and assembly/dismantling of equipment and installations.
  
  

• Indicatively, third parties are also considered: Spectators, artists, visitors.

*The facilities where the event takes place.

Insured: Owner of a hotel business, rooms to let.

• Coverage: Accidents that will occur in the premises and facilities of the company are covered.
  
  

• Includes Liability from: fire, pipe leakage, elevator operation, signs, loading/unloading, repair and maintenance work, Employer Liability, food poisoning, swimming pool, bathand sports facilities, storage of personal items, fire damage and total theft of vehicles.
  
  

• Indicatively, third parties are also considered: Customers, visitors, suppliers.

Α. BUILDING WORKS

• Insured: Owner and/or property manager and contractors, subcontractors at the site of the project.
  
  

• Coverage: Accidents that will occur as a result of building construction work (offices / shops / houses), extension or addition, internal configuration / renovation, repair / maintenance / painting of the exterior.
  
  

• Included: Responsibility for fire, loading/unloading of vehicles, damage to pipelines and underground facilities, employer liability.
  
  

• Indicatively, third parties are considered to be: anyone who has nothing to do with the execution of the project.
  
  

Β. ROAD BLOCKS (No bridges and tunnels), REFORMATIONS OF PUBLIC AREAS

• Insured: The contractor, the Master of the Project (Ministry, Region, Municipality) and the subcontractors at the site of the project.
  
  

• Coverage: Accidents that will occur as a result of the performance of the contract work are covered.
  
  

• Included: Liability for damage to pipelines and underground facilities, responsibility by fire, liability of retreat/landslide of the ground, cross-liability, employer liability.
  
  

• Indicatively, third parties are considered to be: anyone who has nothing to do with the execution of the project.
  
  
  

C. IRRIGATION SEWERAGE WORKS

• Insured: The contractor, the Developer (Ministry, Region, Municipality) and the subcontractors at the site of the project.
  
  

• Coverage: Accidents that will occur as a result of the performance of the contract work are covered.
  
  

• Included: Liability for damage to pipelines and underground facilities, responsibility by fire, liability of retreat/landslide of the ground, cross-liability, employer liability.
  
  

• Indicatively, third parties are considered to be: anyone who has nothing to do with the execution of the project.

Policyholder:One individual lawyer working as a freelancer, as well as a law firm.

The Professional Civil Liability of the insured person is covered, for his liability with law to third parties, which results from the interpretation and application of Greek law and only if it is sued before the Greek Civil Courts and the applicable Greek law.

More specifically, the coverage concerns:

• Purely financial losses arising from a covered event occurred during the period of validity of the Policy and are due to acts or omissions of the Insured person directly and exclusively related to his activity, which results from the interpretation and application of Greek Law
  
  

• Expenditure on judicial or extrajudicial support, corresponding interest, court costs, expert expenses
  
  

• The costs incurred in investigating, verifying, repelling a claim for a third party's injured party from a covered event, including the costs and costs of conducting a related trial
  
  

• Loss of documents
  
  

• Employee infidelity
  
  

• Defamation and libel

Insured: Each individual accountant/tax professional working as a self-employed person, as well as an accounting/tax office.

Coverage: The professional civil liability of the insured person is covered, for his liability to third parties, which derives from tax/tax services and bookkeeping in accordance with Greek law.

More specifically, the coverage concerns:

• Purely financial losses arising from a covered event occurred during the period of validity of the Policy and are due to acts or omissions of the Insured person directly and exclusively related to his activity as a tax consultant/accountant.
  
  

• Expenditure on judicial or extrajudicial support, interest, court costs, expert expenses.
  
  

• The costs necessary to investigate, verify, repel a claim for a injured third party from a covered event, including the costs and costs of conducting a trial.
  
  

• Loss of documents.
  
  

• Employee infidelity.
  
  

• Defamation and libel.
  
  

• Requirements arising out of or attributable to non-compliance with deadlines, provided that the insured person maintains an adequate system of monitoring, managing a timetable of obligations and respecting deadlines.

Insured: Each individual Security Technician working as a self-employed person.

Extent of coverage: The Professional Civil Liability of the insured person is covered as a result of an accident that may be caused to third parties, at his fault, for third party claims in relation to Personal Injury, Material Damage and/ or financial losses due to acts or omissions due to negligence and are directly and exclusively related to the exercise of his profession as a Safety Technician.

Includes:

• Personal injury and/ or property damage to its customer facilities during visits and inspections.
  
  

• Loss of documents.
  
  

• Employee infidelity.
  
  

• Defamation and libel.

!!! Coverage of civil liability is mandatory under European legislation

By Law 3844/2010, Greek legislation was harmonised with European law. It obliges the technician to be insured for any omissions or errors by negligence, in the performance of the work of the project, the design or study of the project or by the defective product.

The Legal Framework for the Technical Professions is defined by the following Presidential Decrees.

Insured: Each individual electrician/plumber/refrigerant, working as a freelancer, who employs up to 2 assistants.

Extent of coverage: The Civil Liability of the insured professional is covered for damages (personal injury/ death and/ or property damage) as a result of an accident that may be caused to third parties, at his fault for third party claims due to accidents due to acts or omissions resulting directly and exclusively from the installation, maintenance and repair work undertaken by the insured person.

Third parties are considered for the present and the premises of the individual customer of the insured.

Insured: One each individual Insurance Advisor, Insurance Agent, Insurance Coordinator, as well as their companies.

Extent of coverage: The professional civil liability of the insured person as an insurance intermediary is covered, for the amounts which he becomes liable, as a civil liability under the law, to pay as compensation for claims by third parties due to acts or omissions of negligence and are solely related to his professional activity.

Coverage Extensions:

• Loss of documents.
  
  

• Employee infidelity.
  
  

• Slander and Defamation.

What does the Professional Responsibility of a Physician and related professions cover?

The civil liability of the Insured Doctor/ Dentist/ Physiotherapist/midwife/nurse for personal injury or death that will cause his/her patients to his/her actions or omissions, as a result of an accident during the legal performance of his duties within the framework of his/her specialization, is covered.

In addition, the insured Doctor is compensated for the sums that he is legally required to pay as compensation for claims due to:

• personal injury or death that the Insured will cause in the provision of first aid in a state of emergency, in addition to his specialization.

• Use of radial machines for diagnostic reasons.
  
  

• Use of machinery for diathemia and electrotherapy.
  
  

• Performing minor surgeries in outpatient clinics.
  
  

• Use of ionizing radiation.
  
  

• Radial therapy (electromagnetic radiation carried out by linear accelerator or cobalt machine and/ or particle radiation) within the specialty of the physician Radiotherapist Oncologist and medical radiologist.
  
  

• In the event that the insured person maintains a legal private practice in his name and carries out his duties there, the cover is extended to include personal injury and/or material damage as a result of an accident that may be caused to third parties, at the fault of the Insured, by the possession, use and general operation of the premises and facilities of his practice.

Legal Fees (e.g. lawyers' fees, legal fees, expert opinions).

The Company's liability limit also includes legal support costs and legal costs for the defense of the insured person in criminal courts, arising from a covered event of present professional liability, for negligent violations.

• Specialties that can be covered with the Professional Responsibility of Doctors.
  
  

• Vascular Surgery ▪ Hematology ▪ Radio diagnostic ▪ Radiotherapy – Oncology ▪ Allergology ▪ Anesthesiology ▪ Gastroenterology ▪ General Medicine ▪ Dermatology – Encology ▪ Endocrinology ▪ Medical Biopathology ▪ Medicine of Work ▪ Cardiology ▪ Social Medicine ▪ Cytology ▪ Obstetric Gynecology ▪ Neurology ▪ Neurosurgery ▪ Nephrology ▪ Orthopedic ▪ Urology ▪ Ophthalmology ▪ Pathology ▪ Pathological Anatomical ▪ Pediatrics ▪ Pediatric Psychiatry ▪ Pneumonology – Tuberculosis ▪ Nuclear Medicine ▪ Rheumatology ▪ Oral and Maxillofacial Surgery ▪ Physical Medicine and Rehabilitation ▪ Surgical (General) ▪ Thoracic (and Heart) Surgery ▪ Children's Surgery ▪ Psychiatry ▪ Otolaryngology ▪ Plastic Surgery.
  
  

• Related professions that can be covered by this Professional Responsibility Program.
  
  

• Physiotherapists ▪ Midwives ▪ Nurses

Basic coverage

It covers the administrative liability of the directors and executives of the company, against third party claims such as:

• Customers

• Shareholders

• Workers

• Competitors

• Suppliers

• Offixial authorities, etc.

errors or omissions in the performance of their administrative duties.

Optional covers

1. Coverage of the company's liability as a legal person, against third party claims.
2. Coverage of the company's financial losses, in the case of:

• infidelity of an official (i.e. embezzlement of money) and

• burglary or robbery during the transfer of money
  
  
  

Extra:

• Covers activity in all countries of the world except the United States of America & Canada

• Covers executives even for a claims-made contract, if the incident that led to the claims-made contract took place

For more information please contact our office where our specialized advisor, based on your needs, will form with you the final contract.

!!! The above covers are indicative which, both these and the terms, conditions and exceptions of the contracts, are differentiated according to the insurance company chosen by the customer.