If I’m at work and I damage something in my client’s house, am I protected?
Insurance coverage when you damage something in a client’s home depends on your professional situation and the type of insurance you have.
The most common scenarios, foreseen in these frameworks:
Employee (employee)
If you work for a company:
As a general rule, the company’s liability insurance covers damages caused to clients in the performance of your duties.
The customer may be entitled to compensation from the company’s insurance.
The company can only hold you liable if there is intent or gross negligence (e.g., acting in a clearly reckless manner);
Self-employed / freelance workers
If you work for yourself:
You are only protected if you have professional liability insurance.
Without this insurance, you are personally liable for the damages and may have to pay out of your own pocket.
In some professions, this insurance is mandatory (e.g., electricians, plumbers, construction, healthcare, etc.).
Trust Insurance can help with the analysis, simulation, and selection of the best insurance for you and your business.
