{"id":4867,"date":"2023-03-09T11:39:43","date_gmt":"2023-03-09T11:39:43","guid":{"rendered":"https:\/\/jhcolorpowdercoating.com\/?p=4867"},"modified":"2023-03-31T15:56:15","modified_gmt":"2023-03-31T15:56:15","slug":"the-importance-of-liability-insurance","status":"publish","type":"post","link":"https:\/\/jhcolorpowdercoating.com\/the-importance-of-liability-insurance.html","title":{"rendered":"The importance of liability insurance"},"content":{"rendered":"

Anyone who causes damage to other people through carelessness or imprudence must always pay for it. This applies not only to a red wine stain on someone else's tablecloth, but also to more serious accidents and destroyed objects. Therefore the conclusion of a private liability insurance is inevitable.<\/p>\n

By law, the perpetrators are liable for damages that they have culpably caused to someone else – and this in an unlimited amount. With the private liability insurance is also a gross recklessness co-insured. Excluded here are only damages that were caused willfully. The conclusion of the private liability insurance is therefore indispensable. In addition, the insurance covers a risk threatening the existence of the company.<\/p>\n

Who needs which liability protection?<\/h2>\n

A private liability cover protects against damage, which can run into the millions of euros.<\/p>\n

\"The<\/div>\n<\/p>\n

The tariffs of many insurance companies are to be differentiated here. With a so-called single tariff, only the policyholder has insurance coverage. With family tariffs the protection is extended to other persons of the family. For persons who live in a marriage-like community or a marriage, the joint liability insurance is sufficient. Especially in the case of cohabitation, the partner should also be specified here. Children are in principle also insured, as long as they are still in the first education.<\/p>\n

For families and partnerships with a shared apartment, the family rates are usually also cheaper than insuring yourself alone.<\/p>\n

The liability insurance covers only the private area. A business or professional liability insurance can therefore be important, especially for freelancers and self-employed persons. In some professions, pecuniary loss liability insurance is also advisable. Separate liability insurance policies should be taken out by, among others, house and land owners with a rented property, owners of oil tanks, builders, hunters or animal owners:<\/p>\n

What exactly does a private liability insure?<\/h3>\n

Personal liability insures property damage, personal injury and financial loss. Here 99 percent of property damage costs less than 5.000 euros. On the other hand, it can get really expensive if people are injured.<\/p>\n

In the event of a claim, the insurer's task is to check whether the claims for damages made against the policyholder are actually justified. Here the liability insurance protects comprehensively. If the insurer considers the claims to be unjustified, the insurer will reject them at its own risk and expense. Liability insurance therefore offers "passive" legal protection. If the insurer also considers the claims against the policyholder to be justified, the policyholder will pay the damages. The assumption is that there is no rejection in the insurance conditions and the damage was not caused intentionally.<\/p>\n

In addition, the injured party should not be enriched by the damage. That principle must be followed by the liability insurer in any case. Depending upon valid damage those regulations exist. In the case of property damage, the cost of repair is always paid for. If the object is worth less after this repair than before, there is also a surcharge for the reduction in value.<\/p>\n

In the case of a total loss, the current value of the insured object is always reimbursed. The current value is equal to the replacement value of items of the same quality and type. As compensation for a bicycle, an injured party would therefore receive enough money to be able to obtain a similar used bicycle.<\/p>\n

Liability insurance at Getsafe<\/h2>\n

The insurer offers customers different tariffs. Getsafe liability insurance is always on the right side via app. Especially if something goes wrong, the damage can be reported right on the spot. Whether on the road, playing sports, or walking a neighbor's dog, liability insurance protects against private property damage, personal injury, and financial loss for which the insured is liable up to 50 million euros.<\/p>\n","protected":false},"excerpt":{"rendered":"

Anyone who causes damage to other people through carelessness or imprudence must always pay for it. This applies not only […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"yoast_head":"\nThe importance of liability insurance - Jhcolorpowdercoating<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jhcolorpowdercoating.com\/the-importance-of-liability-insurance.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The importance of liability insurance - Jhcolorpowdercoating\" \/>\n<meta property=\"og:description\" content=\"Anyone who causes damage to other people through carelessness or imprudence must always pay for it. 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