General Liability Insurance
A general liability insurance covers operational and professional risks: exali.com offers exceptional protection and high sums insured for personal injuries and property damage as well as financial loss.
In just one liability concept - for freelancers, the self-employed, companies and their employees - exali General Liability Insurance protects everyone involved if expensive damages occur due to mistakes or mishaps in one's own office, with customers, at trade fairs or on business trips. The big advantage of insurances: The premium for general liability at exali.com is very cheap due to the combination with financial loss liability in the basic coverage.
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The Professional Indemnity Insurance for Digital Professions from exali.com is specifically engineered to suit the professional risks that occur in the areas of IT and telecommunication. To ensure that you only insure what you really need, we provide a modular product consisting of a basic protection add-on for first party cyber risks.
Professional Indemnity from exali.com offers very comprehensive protection in the event of errors in advice as a freelance or independent consultant, advisor or trainer. So that you only insure what you really need, there is the optional add-on FPC module for basic protection.
exali.com Professional Indemnity Insurance offers many self-employed people in the service industry comprehensive protection for compensation of damage. The real-time calculator on our website helps you to put the best insurance coverage for your activities together. To ensure that you only insure what you really need, we provide a modular product consisting of your ideal basic protection as well as an add-on for first party cyber risks.
What is a General Liability Insurance?
General liability insurance or general liability is the collective term for all liability insurances that cover operational liability risks. Since professional activities in the service sector are mostly carried out in offices, the insurance is also often referred to as office liability or business and general liability. In principle, General Liability Insurance offers protection if you claims are brought against you by a third party (e.g. customer or principal) for personal injuries, property damage and the resulting financial loss (consequential financial loss). The General Liability Insurance especially covers damage that occurs in the office, on site at the customer’s, on business trips or at trade fairs and exhibitions.
Indemnity Insurance Seal for your Principals
- Individual and comprehensive insurance protection
- High coverage sums for financial losses
- No-claims evidence going back five years
The General Liability Insurance from exali.com offers very comprehensive protection against occupational liability risks posed by personal injuries, property damage and consequential losses. The following benefits are generally insured under general liability: The so-called permanent establishment risk, liability for products and services (also known as product liability) as well as environmental liability and environmental damage insurance.
Since in most IT, media, consulting and service professions pure financial losses frequently occur in addition to personal injuries and property damage (which are covered by general liability), exali.com also offers Financial Loss Liability Insurance as part of the basic coverage. This can be expanded by a freely selectable add-on module. As a result, the scope of insurance can be individually adapted to the respective risk situation of the freelancer, self-employed person or the company.
The term ‘professional indemnity’ is to be understood as an overarching term for indemnity insurance that covers the professional liability risks of a self-employed person or freelancer. Depending on the industry and risk situation, professional indemnity insurance can include a general liability insurance (coverage for personal injuries and property damage as well as consequential loss) as well as financial loss liability insurance (coverage for pure financial losses).
At exali.com, the general liability insurance is usually offered in combination with financial loss liability insurance in the basic coverage so that all relevant risks and the resulting types of damage are covered.
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Which Damages does the General Liability Insurance Generally Cover?
The General Liability Insurance from exali.com offers comprehensive coverage for the following types of damage:
- Property damage: This concerns the damaging, destruction or loss of an item. Example: An IT employee damages the server's motherboard during maintenance work.
- Personal injuries: This includes injuries or damage to the health of people. Example: During a photoshoot, a person is injured by falling lighting equipment.
- Consequential financial loss: This concerns consequential losses following personal injuries or property damage. Due to the damaged motherboard from the first property damage example, the server cannot be rebooted for 1.5 days. The result is a loss of sales for the customer (consequential damage).
What Risks are Covered by General Liability Insurance?
General liability insurance generally insures operational risks through owed services or products as well as the operation of an office, an agency or a law firm. When looking at the private sphere, it can best be compared with private liability insurance, with the difference being that in these cases risks of the business environment are covered. These are, for example:
- Personal injuries and property damage due to faulty service provision
- Damages on business trips, at trade fairs, exhibitions or events (worldwide)
- Damage to rented office space or event rooms (rental property damage)
- Damage in the organisation and execution of seminars or training courses
- Damage caused by the professional operation of aerial drones up to 5 kilograms (including camera)
- Damage of items in the care of the insured that are rented, leased or borrowed for up to 6 months
- Personal injuries and property damage at customer appointments
- Product liability damage (guaranteed properties)
- Loss of customer keys and code cards
- Damages to third-party property due to activities
- Environmental liability damages
Who Does General Liability Insurance also Cover?
Which Areas Does the Coverage of General Liability Insurance Concern?
What does General Liability Insurance Cost?
What is the Sum Insured / Sum Covered?
Which Risks are not Covered?
How Can the General Liability Insurance be Terminated?
Is Passive Legal Expenses Insurance also Included?
General Liability Insurance from exali.com
If you want to insure experts, you have to be an expert yourself. At exali.com, we have been working according to this motto since its founding in 2008. We offer specially tailored insurances for professions that can be found in the IT, creative and consulting areas, for example. We focus on information, education and support.
We provide our users with a lot of information, tips and exciting business news on our insurance portal. This gives you an insight into real damage events and how the insurer proceeds with processing claims. We do not want to hide behind incomprehensible insurance jargon: At exali.com all information is given to you in a transparent and clear manner.
For us, online does not mean sacrificing service. On our website, the application, processing and issuing of the insurance policy for a general liability insurance takes place in a matter of minutes, without waiting and annoying paperwork.