PR Insurance

Public Liability Insurance

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Personal o comercial

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Information on Personal and Commercial Public Liability

PERSONAL AND COMMERCIAL PUBLIC LIABILITY

  • At Seguros Puerto Rico, we can offer you a wide variety of insurance according to your needs with the different insurance companies.
  • We care about offering maximum protection for your home or business against unexpected situations, etc. That is why we offer you a series of insurances that can improve your quality of life and make you feel more secure in any eventuality.

Requirements and restrictions

This insurance includes a series of requirements and restrictions that must be studied by the client before contracting. It is important to take these aspects into account to choose the policy that best suits your personal and business needs.

  • Liability for damages, particularly negligence, are the cause of most of the situations covered by the Public Liability policy. They include personal safety, property, reputation and privacy among others. The Public Responsibility policy responds to exposures through defense if necessary, payment of damages for bodily injuries, damage to the property of others or personal injuries. The policy contains exclusions or restrictions for the following reasons: (1) There is another type of policy designed to respond to that particular exposure. (2) Requires an additional premium to cover the exclusion or restriction. (3) Risks that are not insurable.
  • The activities that represent the sources of potential claims include the premises, operations, products and completed works.

The insurance has the following restrictions:

  • We do not provide liability coverage for damages or injuries intentionally caused by the insured to third parties. This exclusion does not apply to bodily injury caused by the use of reasonable force to protect person or property.
  • We do not provide third party damage or injury coverage if the insured has caused or contributed to the alcohol intoxication of any person.
  • We do not provide third party damage or injury coverage if the insured has assumed liability in a contract or agreement.
  • Coverage of any obligation of the insured under unemployment compensation laws or disability benefits is not included in the policy.
  • Coverage for damage to property or injuries to third parties caused by war, revolution or rebellion is not included.
  • Damages derived from loss, loss of use, corruption, impossibility of access or impossibility of handling electronic data are not covered.

coverages

We can offer you a wide variety of insurance according to your needs. We care about offering the maximum protection for your business against losses due to public liability, which covers civil liability, reimbursement of medical expenses to third parties as a result of accidents for which they are legally responsible, and damage to the property of others.

We have limits  from  $100,000 per occurrence.

That is why we offer you a series of products that can improve your quality of life and make you feel more secure in any eventuality. For additional information, contact our office by filling out an application, visiting our office or calling (787) 399-9999

 

COMMERCIAL CIVIL LIABILITY

A claim or lawsuit against your business, due to bodily injury or damage to the property of third parties caused by an accident where you or your dependents are legally responsible, can cause significant damage to your assets. Avoid risky situations for your financial health by hiring adequate Public Responsibility insurance coverage. The exhibitions arise mainly from the following categories.

  • Premises and Operations
    Basically covers bodily injury or property damage caused by accidents on the premises occupied by the insured or accidents that occur outside the premises but caused by the operations or work carried out by the insured.
  •  Products and Completed Operations
    Covers bodily injury or property damage that occurs off the insured’s premises and arises as a result of goods or products manufactured, sold or distributed by the insured. It also covers injuries resulting from operations or work carried out by the insured.

As it is difficult to calculate the maximum possible loss to which we may be exposed and if we want higher limits than those offered under this cover, you can hire an Umbrella policy  to  obtain higher Civil Liability limits.

 

General conditions

The companies are obliged to pay for damages to third parties that the insured causes and is legally responsible as a result of negligence, provided that the cause of loss is within the terms and conditions of the coverage.

  • Public Liability Insurance offers the maximum protection for businesses, since it covers the amounts that the insured may be legally obliged to pay for damages and injuries to third parties. This prevents the insured from suffering significant losses in their assets.

Public Liability Insurance offers, among others:

 

  • Liability coverage benefits
    The insured is protected against bodily injury and property damage caused to third parties as long as these are caused by negligence of the insured.
  • Benefits of the cover for personal and advertising damages
    Covers the amounts that the insured must pay for advertising damages, caused by a crime originating from advertising or communication activities derived from their commercial operations.
  • Benefits of the coverage of medical expenses
    We will pay the medical expenses for injuries caused in the properties that the insured occupies and those that occur in roads close to these properties. Also injuries caused by an accident resulting from the operations of the Named Insured.
  • Benefits of Defense Expenses
    The defense expense for claims is included, as well as fees and expenses of all kinds, that the insured is civilly responsible for.

Quote now your commercial and personal insurance!
Please fill out the application or call our offices. Thank you.

Seguros Puerto Rico always with you, to serve you.

– It is important that when you purchase your insurance (policy) you are aware of what the claim process will be like and thus be sure that you have the indicated coverage.

– At Seguros Puerto Rico we advise you so that you have peace of mind and know that you are protected, always holding your hand.

– Contact us with any questions about your business and personal insurance.