Felelsségbiztosítók

Felelősségbiztosítók are insurance companies that offer liability insurance policies. Liability insurance provides financial protection to individuals and businesses against claims arising from negligence or accidental harm caused to others. This type of insurance is crucial for covering legal defense costs, settlements, and judgments that may result from lawsuits.

There are various types of liability insurance available, catering to different needs. For instance, general liability insurance is common for businesses and covers incidents like bodily injury or property damage occurring on their premises or due to their operations. Professional liability insurance, also known as errors and omissions insurance, protects professionals like doctors, lawyers, and consultants from claims related to mistakes in their services. Product liability insurance is designed for manufacturers and sellers of goods, covering harm caused by defective products.

Felelősségbiztosítók assess risk based on factors such as the industry of the insured, their claims history, and the coverage limits requested. They then underwrite policies, determining premiums and policy terms. When a claim is filed, the insurance company investigates the circumstances and, if the claim is covered, may pay for damages or legal expenses up to the policy limits. The primary function of felelősségbiztosítók is to mitigate the financial impact of liability claims on their policyholders, ensuring they can continue their operations or personal lives without facing overwhelming financial burdens.