Third-party liability insurance for business activity and property 

Protection if, in connection with the company's activities, you cause damage to a third party
Third-party liability insurance in business
Your benefits 

What does third-party liability insurance for your business and property provide? 

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Third-party liability insurance
Third-party liability insurance for product and services provided
Damages outside Poland - Clause 1
Damages in the USA/Canada - Clause 1a
Mutual liability - Clause 2
Third-party liability of renters of movable property - Clause 3
Damage to property which is the subject of a service - Clause 4
Damage to objects in custody, under supervision, in control - Clause 5
Employer's liability - Clause 6
Pure property damage - Clause 7
Szkody wskutek emisji substancji niebezpiecznej do powietrza, wody lub gruntu - Klauzula nr 8
Experimental treatment, clinical trials - Clause 9
Damage caused by product combination/mixing - Clause 10
Losses due to defectiveness of products manufactured with the Insured’s equipment - Clause 11
Damage caused by further processing of a product - Clause 12
Costs of dismantling and replacing a defective product - Clause 13
Damage in connection with the supply of energy - Clause 14
Legal protection - Clause No 15
sum PLN  30 000
sum PLN 30 000
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You have great goals, unique talents and the courage to put your plans into action. The build-up phase also puts you in front of many new tasks, making time more precious than ever
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Because pressing issues such as financial planning, business registration, appointments with the tax consultant and the first measures to implement the business idea you take advantage of
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Allianz supports you exactly here: by choosing a suitable product for you, you have the peace of mind

Frequently asked questions about third-party liability insurance for your business and property 

General T&Cs of business third-party liability insurance cover compensation for non-material damage in the form of personal injury. It is a situation where the damage suffered is the result of bodily injury, health impairment, death. Any damage resulting from an infringement of the injured party's personal rights (such as does not result from personal injury) is not protected under our T&C. Business third-party liability insurance.

We provide protection if under the law the employer is responsible for an accident at work. Whether it is a liability based on fault or risk will be determined by the circumstances of causing the damage.

There may be situations where the employer is liable regardless of their fault, e.g. in case of damage caused by the use of production belts or machinery which determines the qualification of the company as being operated with the use of natural forces. Then - even if it is the employee's fault (unless it is the employee's sole fault) - the employer will be liable for the damage and the employee will be deemed to have contributed to the damage.

If you have paid for the damage caused by the Insured’s subcontractor, you can make a recourse claim against the subcontractor.

This is possible if you have not waived your right of recourse against the insured's subcontractor under special provisions. You are entitled to regress by law.

You ensure your company with Allianz. You can focus on your business, customers and goals.
We'll do our best to help you handle all insurance-related issues – quickly and conveniently – online.
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In our archive you will find, among others, forms to help you submit an order, general T&Cs of insurance and documents related to investment funds.
This material is for informational purposes only, it is intended to provide a general outline of the nature and scope of the aforementioned insurance and does not constitute an offer within the definition of Article 66 § 1 of the Civil Code. The detailed scope and terms and conditions of the abovementioned insurance are regulated by the general terms and conditions of insurance with attachments (available in the Documents for Insurance tab), in which you will find provisions concerning, among others, premiums, scope of insurance, limitations and exclusions of liability of TUIR Allianz Polska S.A.  and the conditions of payouts and rules for calculating insurance benefits.