Felelsségbiztosítások

Felelősségbiztosítások, often translated as liability insurance, are a crucial type of insurance that protects individuals and businesses from financial losses arising from claims of negligence or wrongdoing. This insurance covers legal defense costs, settlements, and judgments that may result from lawsuits brought against the insured party. In essence, it transfers the financial risk of causing harm to another party from the insured to the insurance company.

There are various types of felelősségbiztosítások tailored to different needs. General liability insurance is common for businesses, covering incidents like customer injuries on business premises or damage to a client's property. Professional liability insurance, also known as errors and omissions insurance, is vital for professionals who provide advice or services, protecting them against claims of mistakes or negligence in their professional capacity. Product liability insurance is designed for manufacturers and distributors, covering harm caused by defective products. Employers' liability insurance protects businesses against claims made by employees due to work-related injuries or illnesses.

The scope of coverage and the specific risks covered vary significantly between different policies. It is essential for individuals and businesses to carefully assess their potential liabilities and choose the appropriate felelősségbiztosítás to ensure adequate financial protection. Premiums are typically determined by factors such as the type of business or profession, the level of risk involved, the policy limits, and the deductible amount.