Industrial operators became responsible, not only for cleaning costs resulting from pollution caused by their facilities, but also for damage caused to natural resources, habitats and species, including costs to restore the environment and other natural conditions prior to the damage that occurred. .
When the harmful activity is attributable to a legal person, the foreseen obligations affect jointly and severally the respective directors, managers or administrators of the company.
Traditional general liability insurance with extended coverage for sudden and accidental pollution does not respond to these new legal responsibilities.
It guarantees all risks of loss or material damage suffered by the insured assets and that occur suddenly and accidentally, generally including expenses with removal, rescue and assistance of people and material; with the material replacement of archives; and reconstruction, replacement of damaged molds and dies.
For a simple trip or for regular expeditions, Transported Goods Insurance protects the interests of the various parties involved in the commercial activity in the face of events that may cause damage to goods in transit.
Compulsory insurance, with regard to Civil Liability towards third parties, including passengers transported free of charge, with a minimum limit of € 6,450,000 for personal injury and € 1,300,000 for material damage.
Computer attacks can cause various damages to the company, which may see its activity interrupted, be the target of fraud or extortion attempts or cause damages to third parties, which may have to compensate.