Family Third Party Liability
Key characteristics
- Coverage for your family
- Coverage for nannies, housekeepers
- Multiple solutions
Don’t you have a home insurance that also includes civil liability? A family third party liability insurance is the ideal solution. But you have to think that you will always be responsible for your actions or those of your children. Don’t forget the responsibility for the things and animals that belong to you.
We offer coverage for the whole family. Family means people who live permanently with you: spouse, children, parents, relatives, etc.
If you want, you can extend the coverage to the civil liability of the people who work at your home (nannies, housekeepers). Don’t forget that the nanny can forget the open water, causing the neighbors an unpleasant flood.
With private liability insurance, the unpleasant financial consequences for you and your family will be avoided.
For a better understanding of this type of insurance we invite you to schedule an appointment with a Destine Broker consultant, here
Some examples for which you would need a family liability insurance against third parties
- You are in a restaurant and you neglect the cup of hot tea on the gentleman at the next table.
- Your child drops the plates from a store shelf.
- Your dog escapes from the yard and runs straight into the middle of the street. A driver has to avoid him and drive into a neighbor’s fence.
These seem trivial events, but you can be held liable for personal injury and property damage. Certainly, just apologizing will not be enough and a family third party liability insurance is more than helpful.
Some examples for which you would need a family liability insurance against third parties
- You are in a restaurant and you neglect the cup of hot tea on the gentleman at the next table.
- Your child drops the plates from a store shelf.
- Your dog escapes from the yard and runs straight into the middle of the street. A driver has to avoid him and drive into a neighbor’s fence.
These seem trivial events, but you can be held liable for personal injury and property damage. Certainly, just apologizing will not be enough.
Ensuring the civil liability of the family towards third parties
The family third party liability policy protects the insured against damages caused by members of his family or other persons (minor children, students and apprentices under supervision, etc …) and pets for which he is liable under the law. Damage can be caused accidentally and unintentionally or by unlawful acts.
The coverage of this insurance is not only strictly restricted to the domicile of the insured, but is also valid for any other location where the insured is (on the territory of the country). The only condition is that these damages caused to third parties come strictly during the time the family spends their free time, and not during the time they exercise a professional activity.
Today we all have a busy schedule, we miss a good part of the day at home and children and pets escape for a moment from our supervision. Liability for one’s own deeds sometimes involves the payment of substantial sums to remedy the damage caused to third parties. A civil liability insurance comes to your aid exactly in these situations.
The damage caused to dangerous third parties by dogs is not covered by this policy. For this category there is a special insurance policy under the name of Legal Liability Insurance for owners of dangerous and / or aggressive dogs that can be purchased individually or as an additional clause for family insurance.
Although it is a stand-alone insurance that covers risks that can happen frequently, more and more insurers offer family insurance in a package that usually includes home insurance, but also other types of insurance, often offering discounts for the purchase of the entire package.
