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Protection for entrepreneursPublic liability insurance

One small mistake, accident or misunderstanding in everyday working life and suddenly everything comes to a standstill. An invisible braking manoeuvre that paralyses processes and causes high costs – even with the greatest care, this cannot always be avoided. As a company, you are liable for personal injury, property damage or financial loss caused by your business activities or your products.

Public liability insurance protects you against the financial consequences of such claims – whether caused by your employees, machinery or services. Even a supposedly harmless mistake can result in claims that threaten the existence of the company.

Protection against operational liability risks

MRH Trowe works with you to analyse your individual risk profile and ensures that your insurance cover is tailored to the specific requirements of your business. This means that you and your company are comprehensively covered in the event of a claim – reliably and predictably.

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Insured risks & hazards

Public liability insurance covers the financial consequences if third parties suffer losses as a result of your business activities. These include:

  • Personal injury: damage to health or death of third parties
  • Material damage: damage to or destruction of third-party property
  • Financial losses: financial losses as a result of personal injury or property damage (e.g. loss of earnings, loss of use)
  • Environmental damage: damage caused by operational activities on third-party property – e.g. due to contamination of soil or water bodies
  • Building damage: damage to third-party property, for example during maintenance or repair work
Possible scope of cover & extensions

Depending on the structure of the policy, the following benefits are insurable, among others:

  • Personal injury: treatment costs, rehabilitation benefits, compensation for pain and suffering, loss of income
  • Material damage: repair or replacement costs of damaged property
  • Financial losses: compensation for consequential losses and costs of lawyers and proceedings
  • Environmental damage: remediation and retention measures, coverage of third-party claims for losses, consultancy and procedural costs
  • Building damage: protection against liability claims and associated legal costs
Insured Persons

Insurance cover applies to all individuals working within the company, including:

  • Management
  • Employees
  • Trainees/apprentices
  • Interns
  • Other company staff

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