At exali, you select suitable cover according to your professional activity. General Liability Insurance is available within Professional Indemnity Insurance for Digital Professions for the following fields, within the scope defined by the policy:

• IT and telecommunications, including insured AI activities.
• Media, creative and marketing professions.
• Business consulting.
• Other insured service professions.

Enter your activity to find the appropriate insurance. Activities requiring a separate extension, such as certain engineering services, must be agreed accordingly.

General Liability Insurance covers personal injury, property damage and the financial losses resulting from them. At exali, we recommend combining it with Financial Loss Insurance as the basis of your professional protection. Pure financial losses play a central role in digital service professions. Personal injury and property damage occur less frequently, but can result in substantial compensation claims.

General Liability Insurance covers the policyholder, whether an individual or a company, and co-insured persons carrying out insured activities. These include:

• Statutory representatives and employees, including apprentices, casual workers, volunteers, interns and working students.
• Temporary agency workers integrated into the business.
• Freelancers who are natural persons, integrated into the business and working in the policyholder’s name and on their behalf.
• Shareholders, limited partners and members of supervisory or advisory boards who are natural persons and perform insured activities in the policyholder’s name and on their behalf.

Insured companies include subsidiaries, branches and offices in the home country, the EEA and the UK. Subsidiaries outside the EEA and the UK must be expressly named in the policy. Cover also extends to participation in joint ventures or consortia within the policy terms. Managing directors’ insured activities performed in their own name outside the company are covered, provided the related fees are included in the company’s declared turnover.

General Liability Insurance also covers claims against insured persons arising from the use of subcontractors. The subcontractors’ own liability and that of their employees are not covered.

The premium for General Liability Insurance depends on your selected sum insured and turnover, as well as factors such as your professional activity, start-up status and contract term. General Liability cover starts from € 48 net per year, plus applicable insurance tax, for eligible start-ups, for example in IT, media or consulting. This is the premium for the General Liability component, not the total premium for Professional Indemnity Insurance. Your individual premium is shown in the online calculator.

If an incident occurs or a claim is made against you, contact exali’s customer consultants promptly on +49 (0) 821 80 99 46-0 or at info@exali.com. We will discuss the next steps with you, help prepare the necessary information and pass it on to the insurer.

Your policy requires notification to the insurer within three days of discovering an insured event or a claim against you. Forward relevant correspondence promptly and observe any legal deadlines.

General Liability Insurance forms part of your Professional Indemnity policy. The agreed contract term is stated in that policy. The contract renews automatically for a further year unless either party gives notice at least one month before the end of the current insurance period.

The policy also provides for termination after an insured event under the conditions set out in the wording. If your insured activity ceases, the contract can be terminated from the date the insured risk no longer exists, subject to written proof. Contact our customer consultants if you wish to change or remove the General Liability module while retaining your other cover.