Public Liability
Compare the best public liability options for freelancers and SMEs.
How to compare civil liability
Comparison guide · 07/10/2026Describe your activity and compare the scope of civil responsibility for exploitation and professional. It reviews capital, sub-limits, defence and the time criterion that activates the coverage.
Para quién: Self-employed persons, professionals and companies exposed to third-party claims for their activity.
Conceptos, requisitos, costes y fuentes
Qué revisar antes de contratar
- Declares the exact activity, billing, employees and outsourced jobs.
- It requests confirmation of activities, countries and types of damage admitted.
- Check retroactivity, claim date and continuity between policies.
Costes que debes comparar
- Annual premium by activity, billing and insured capital.
- Franchise for claim and possible limits of defence.
- Capital for claims, annual addition and sub-limits for collateral.
- Premium
- Insurance price; compare the total annual amount, recharges and fractionation.
- France
- Part of the cost or period of the insured person under the contract.
- Exclusions
- Situations or risks that the contract leaves out of cover.
- IPID and policy
- The product information document summarizes the insurance; the conditions and the policy specify its scope.
- Professional RC
- Risk of claims arising from errors in professional services, when contracted.
- Up
- Specific maximum amount for a guarantee within the general capital.
- Claim base
- Temporary criterion that may link the coverage to when a claim is received or reported.
Ten en cuenta
- An operating RC does not imply automatic coverage of professional errors.
- Do not assume coverage of sanctions, contractual breaches or all activities.
Quick answer
Motor, public liability, accident, sick leave and home. On Simplifico you can compare 11 products from 11 brands in Public Liability, such as Mapfre, Zurich Seguros and Allianz. 8 listings include the Simplifico Opinion: who it suits and its limitations. Each listing summarises features and pricing and links to the provider's website, which sets the final terms.
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