Background information Occupational liability: Checklist liability insurance

Previous Part

We make the Working World more Human and Ecological, so we donate Revenue for Certified Reforestation. As Publisher Best of HR - Berufebilder .de® with an unique Book Concept, on-demand eCourses and News Service we share 15 years of Experience with our Customers (Samsung, Otto, State Institutions). By the Top20 -Blogger Simone Janson, referenced in ARD, ZEIT, WELT, Wikipedia .
Disclosure & Image Rights: Exali has financially supported our work. In addition, our professional liability insurance is managed by Exali. Artwork created as part of a free collaboration with Shutterstock.

The liability risks that self-employed and freelancers incur in the performance of their duties are described in detail in the first part of the article. Many self-employed therefore take preventive measures and try to exclude or at least limit the liability in their terms and conditions. This is not an optimal solution. Background information Occupational liability: Checklist Liability insurance liability

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

More knowledge - PDF download, eCourses or personal advice

Here writes for you: Ralph Günther is an insurance expert and founder as well as managing director of Profile

What does a professional liability insurance?


As the practice shows, such a disclaimer of conditions is deceptive, because in most cases disclaimers or limitations in terms and conditions of a judicial review stand. The legal liability can not be "spoiled" so easily.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Excessive damage can be absorbed by a professional liability insurance. However, caution: professional liability is not equal to professional liability.

Dangerous retreats of professional liability insurers


For instance, many providers traditionally only cover personal injury and material damage as well as resulting consequential damages, leaving the protection of so-called pure assets - including, for example, legal violations, deliberation errors or programming failures - completely out of the question.

And also in terms of co-insurance of the already mentioned contractual liability, most insurers are cautious. In particular, when the occupational liability insurance is offered on the basis of the General Liability Conditions (AHB). These categorically exclude claims that go beyond legal liability.

Separating wheat from chaff


The "wheat from the chaff" also separates itself when it comes to "securing violations": some insurers make the protection in the case of infringements dependent on a previous legal review, which is difficult to implement in practice.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Or they completely exclude the cost overpowered in the case of legal violations in Common Law countries (USA, England, Canada) - in times of global professional services a dangerous insurance gap.

Checklist - Important criteria of professional liability insurance


But it goes differently, of course. In order to sensitize freelancers and self-employed workers for what a good professional liability insurance can provide for protection, I have put together a checklist with selected criteria:

  1. The definition of insured activities and services should be kept open (so-called open cover). The co-insurance of activities from overlapping industries is also optimal.
  2. The current professional liability insurance should also provide protection for pure property damage - including, for example, infringements.
  3. Claims in the area of ​​contractual liability as well as breaches of secrecy agreements and data protection laws should be insured.
  4. Publication risks, eg by self-marketing, own website, blogs or social media profiles, should be covered. Likewise, violations of competition and advertising.
  5. The territorial scope should apply at least to Europe and Switzerland. Online Business recommends worldwide coverage.
  6. Depending on the business model and the branch of the self-employed, the professional liability insurance should also cover optional claims, such as
  7. Rescission of the client from the project,
  8. Personal liability (corporate liability) as managing director or interim manager
  9. certain typical contractual penalties in terms of contract or project contracts
  10. Damage caused by hacker and cyber attacks (DoS attacks, computer abuse, data theft, etc.)

More knowledge - PDF download, eCourses or personal advice


Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).

3,35 Book now

Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!

16,20 Book now

Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).

149,99 Book now

occupations pictures

You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our privacy policy.

  1. To follow debate on this post
  2. All debates follow

Post a Comment

Your email address will not be published. Required fields are marked with * .

JaI would like to be regularly informed about the latest promotions & offers Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.