This insurance covers you in the event of damage caused to your customers within the contractual framework of the company’s services, when you have committed a fault or an oversight.
For example, you are a dentist and one of your patients considers that there was negligence in your follow-up which caused him complications.
Or you are a garage owner and your customer claims that his vehicle still doesn’t work properly despite your intervention.
Or you are a pastry chef and your customer accuses you of having suffered from food poisoning caused by the cake you created.
When your customers initiate proceedings which relate to your services, this may invoke your professional liability insurance. This insurance covers losses suffered by your customer due to the improper performance of the contract. You will therefore be reimbursed for the legal costs and damages claimed.
Professional liability insurance is compulsory in Luxembourg only for architectural firms and consulting engineers, hotels, travel agencies, law firms and insurance brokers.
If you are not the head of a company in a sector listed above, we invite you to find out about the risks you run.