Plumber, painter, accountant, doctor – different professions, one shared question: who stands behind it if the work causes harm to someone else? That's what liability insurance is for.
Liability insurance is a profession-dependent product: the risk sits in a different place for a plumber, an accountant and a doctor. Choose your own path – or jump straight to your profession's article.
Plumber, painter, accountant, doctor – different professions, one shared question: who stands behind it if the work causes harm to someone else? That's what liability insurance is for.
Plumber, electrician, joiner: on-site work at the client's premises, property damage and leak-type chains of loss. Marci's path.
Plumber article →Painter, tiler, general contractor: scaffolding, covering surfaces, the subcontractor chain, client requirements. Fecó's path.
Painter-contractor article →Accountant, IT professional, trainer, consultant: the error doesn't break anything – it adds up. Pure financial loss, claims-made logic. Bea's path.
Accountant article →Doctor, private practice, provider: a separately regulated field, handled factually and carefully. Dr. Ábel's path.
Healthcare article →Leak chains, shut-off valves, pressure testing – and what should be in the policy.
Read it →Covering surfaces, scaffolding, deadlines – typical claims and cover elements.
Read it →Oversights, fines, missed deadlines – the world of pure financial loss.
Read it →A separately regulated field – factually, with a clear framework.
Read it →Short circuits, fire-damage chains, touch protection – the risks of electrical work.
Read it →Workshop and on-site installation – where the damage happens, and which cover fits it.
Read it →Faulty delivery, downtime, data loss – professional indemnity in the digital space.
Read it →Courses, training rooms, participants – the liability questions of training work.
Read it →Treatments, allergic reactions, the salon – the risks of personal services.
Read it →Guests, venue, food – when a lot of people share one space.
Read it →Can't find your profession? The list isn't closed: cover elements can also be put together by activity type on the Coverage page – or just ask directly at a free consultation.
Because the damage happens in a different place. For a tradesperson it's typically physical: something breaks, leaks, gets damaged – that's the territory of public liability. For a knowledge-based service provider, the loss shows up in numbers: a fine, lost profit, extra cost – that's the territory of professional indemnity, with claims-made logic and a retroactive date. Healthcare is a separately regulated field, and in contracting, the chain – the relationship between main and subcontractors – raises the most questions. The same word, “liability insurance”, covers a different product for each profession; that's why the first step is an activity assessment.
Free of charge, no obligation – at the end, you'll see exactly your options and the next step.