There are four main cover families – and most businesses don't need all four, just the combination that fits their activity. Here's the map; the Insights articles break down the details.
Bodily injury and property damage caused to someone else in the course of your work – the painter's ladder breaks a shop window, the ceiling leaks after an installation job. The backbone of most hands-on trades.
The types article →Loss arising from a professional error – often a pure financial loss: the accountant's oversight leads to a fine, the designer's mistake leads to extra cost. The backbone of knowledge-based service providers.
The types article →Damage caused by a product you manufacture or sell – from the manufacturer through the importer to the webshop. It comes up wherever a product leaves someone's hands.
Product article →A compensation and grievance-award (sérelemdíj) claim against the employer under the Labour Code, arising from the employee's workplace accident (or, where the policy extends to it, an occupational illness).
Employer's liability article →The boundaries depend on the terms: which cover a given situation falls under is determined by the insurers' current contract terms – what we show here are typical patterns, not a legal classification.
The upper limit of what the insurer stands behind – per event and per year. A good limit isn't a guess: we size it to your contract portfolio, the value of your projects and possible chains of loss. The limit-sizing article goes through it consideration by consideration.
The part of a claim that the business carries itself. A lower deductible is more comfortable; a higher one typically comes with a more favourable premium – the right balance depends on your reserves. Details: deductible logic.
Professional indemnity policies typically work on claims-made logic: cover is tied not to when the damage happened, but to when the claim is made against the insured. That's why, when switching insurer, the retroactive date and continuity are the key question – one of the most misunderstood topics in the industry, with its own key article: claims-made and the retroactive date.
Being clear also means being upfront about the limits. Damage to your own assets – machinery, stock, premises – is the territory of property insurance: vagyon.biz. Enforcing your own claim against others is what legal protection insurance is for: jogvedelem.biz. Damage caused by a motor vehicle belongs to the world of compulsory motor third-party liability insurance (MTPL): kotelezo.biz. And employee accident benefits belong to group accident insurance: baleset.biz. The boundary articles: own damage vs. damage caused, legal protection or liability, liability insurance and MTPL, employer's liability.
And this belongs here too: liability insurance is not an “all-risks cover”. Exclusions and a deductible exist in every policy – the exclusions map and the intent and gross negligence article write about this honestly.
Free of charge, no obligation – at the end, you'll see exactly your options and the next step.