Business Liability/General Liability/Public Liability/General Third Party Liability
Additional protection for IT companies and developers
GENERAL LIABILITY FOR IT - INSURANCE COVERAGE
General Liability (Business General Liability/General Liability/Public Liability/General Third Party Liability) is an excellent addition to insurance coverage for IT companies and developers. Includes:
- Damage to property used under a lease or rental agreement (coffee spilled on a laptop keyboard, a computer falling from a height);
- Damage to rental properties;
- Employee personal injury.
General liability insurance for IT (Business insurance for the IT industry) it’s best way at effective supplement protection provided via OC professional for programmer or software house. Worth remember o policy activities especially then, when e.g. we rent office, we employ employees or we send their at trips business. W such case protection from third party liability general may become prove irreplaceable.
GENERAL LIABILITY INSURANCE FOR IT AT UBEZPIECZENIEIT.PL
AVAILABLE INSURANCE AMOUNTS
PLN 500 thousand, PLN 1 million, PLN 2 million, PLN 3 million, PLN 4 million, PLN 5 million, PLN 6 million, PLN 7 million, PLN 8 million, PLN 9 million, PLN 10 million
* companies with revenues of up to PLN 500,000 in professional liability can choose a limit of max PLN 5 million.
*selected sum insured in general liability is independent of the sum insured in professional liability (so it can be higher).
CALCULATE YOUR PREMIUM IN SECONDS
Do you need liability insurance for your IT company in a foreign currency?
Go through the purchase process, pay for the policy, and then contact us – we will convert the amounts according to the NBP exchange rate of the day.
Available territorial coverage of general liability insurance for IT
World excluding the U.S. and Canada and Iran, Cuba, Syria, Democratic People’s Republic of Korea, Sudan, Crimea, Venezuela, Belarus, Afghanistan, Russia (including Russian-occupied Kherson and Zaporizhzhia), the Donbas region of Ukraine, including Luhansk and Donetsk
OR
If you extend protection to the U.S. and Canada – the entire world including the U.S. and Canada and excluding Iran, Cuba, Syria, Democratic People’s Republic of Korea, Sudan, Crimea, Venezuela, Belarus, Afghanistan, Russia (including Russian-occupied Kherson and Zaporizhia), the Donbas region of Ukraine, including Luhansk and Donetsk
Find out where the lower price comes from
WHAT DOES GENERAL LIABILITY INSURANCE PROTECT AGAINST?
Supplements coverage for personal injury and third-party property damage.
Chubb’s general liability coverage for IT includes:
- Liability for damage caused by subcontractors (100% of the sum insured).
- Liability for damage to employees (100% of the sum insured).
- Liability for damage to property used by the Insurer under a rental, lease, lending, leasing contract (100% of the sum insured).
- Liability for damage to property held, controlled or protected by the Insurer (PLN 250,000).
- Liability for damage to property handed over for treatment, repair or other similar activities (PLN 500,000).
- Liability for damages arising in connection with the organization of events (100% of the sum insured).
- Liability for damage caused intentionally by employees (PLN 500,000).
- Liability for damage that occurs in the territory of the USA or Canada (100% of the sum insured)*.
*if you extend protection to the US and Canada.
Subject to the exclusions and limitations of liability referred to in the general terms and conditions of insurance, the Insurer (Chubb) shall be legally obligated to third parties to pay compensation, insofar as it relates to personal injury, property damage or other damage expressly specified in the insurance contract that occurs during the insurance period.
Information on the terms of the insurance coverage provided, including information on limitations and exclusions of liability, can be found in the general terms and conditions of insurance.
You perform the work, and business liability insurance enhances your protection
Important! A general liability policy allows you to expand coverage to include damage to third parties and damage to property. As a result, the insurance coverage includes many more risks.
THIRD PARTY LIABILITY FOR IT - EXCLUSIONS OF LIABILITY
Exclusions of liability are one of those elements that affect what the insurer’s scope of liability is stated in the policy. Exclusion provisions can be found in the terms and conditions of the contract (T&Cs) and address situations in which the insurance company does not take responsibility for the loss.
Information on the terms of the insurance coverage provided, including information on limitations and exclusions of liability, can be found in the general terms and conditions of insurance.
INSURANCE DOCUMENTS TEMPLATES
The insurance policy and certificate are key documents that confirm the insurance contract and clarify the terms and scope of coverage.
Below are samples of these documents to help you better understand what information they contain and how they are organized.
*Certificate assuming that the following are selected:
– Professional Liability – limit 1 million PLN,
– Cyber – limit 1 million PLN,
– General Liability – limit 1 million PLN.
– Coverage without US.
FREQUENTLY ASKED QUESTIONS
Professional Liability Insurance (Programmer’s Liability Insurance/IT Professional Liability Insurance) is the backbone of protection for IT companies. It is the one that is responsible for damages resulting from errors in work related to IT services. It covers third-party claims related to the occurrence of financial losses (loss of profit, increased costs of doing business) in connection with the performance of IT professional activities (including but not limited to software design, programming and delivery, IT consulting services, software installation, IT equipment maintenance, data processing, IT project management, IT training services, etc.).
Business liability insurance is also responsible for covering third-party claims. This time, however, we are talking about property damage and personal injury arising in connection with the conduct of business activities (running an office, traveling to conferences and other meetings, using leased property, hiring employees and the resulting liability, etc.).
Cyber insurance protects against the effects of hacking attacks, data loss and damage to a company’s reputation. It also offers support in restoring operations after a cyber incident.
We described more at: https://ubezpieczenieit.pl/en/insurance/cyber-by-chubb
Yes. Under all these names is the same product – professional liability insurance for IT. You can read more about it: https://ubezpieczenieit.pl/en/insurance/oc-for-it
A good liability policy for a programmer should meet several conditions. It must provide comprehensive protection, guarantee reliability, protect finances comprehensively. The policy for a programmer should be provided by a world-class insurer. We write more about what insurance for a programmer to choose and what to avoid in a blog article: https://ubezpieczenieit.pl/blog/red-flagi-przy-zawieraniu-ubezpieczenia-na-to-zwracaj-uwage
If you are a contractor and work on your contractor’s equipment – you are not required to implement MFA.
If you run a company with employees, implementing MFA is a prerequisite for purchasing Cyber insurance.
Learn more from our blog article: https://ubezpieczenieit.pl/blog/wymagania-ubezpieczycieli-uwierzytelnianie-wieloskladnikowe-ang-multi-factor-authentication-mfa
The package includes three insurance products: professional liability insurance, general liability insurance and Cyber insurance.
The product is the same – professional indemnity insurance for IT. Whether you are looking for Programmer’s Liability or want to insure an IT company – you need a Professional Indemnity policy. You can extend the insurance with General Liability and Cyber, creating a #safeIT package.
Selecting a specific business area from the list on step 1 of the calculator is used to assess our risk. Regardless, however, the WHOLE business is insured.
CONTACT US
575 155 685
IT Insurance Ltd.
Wrocławska 98/1
81-530 Gdynia
+48 575 155 685
help@ubezpieczenieit.pl
KRS: 0000527586
REG: 222178401
NIP: 5862292598
AGENT NO: 11223850
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