MAIN COVERAGES

 

Third-Party Liability

Covers damages caused to third parties during the performance of the contract.

 

Defense Costs

Covers the costs of defending yourself against any claim filed by a third party for any of the liabilities included in this insurance.

 

OPTIONAL COVERAGES

 

Medical Expenses

Covers immediate first aid services provided in the event of an emergency involving a third party. The third party may be taken to a medical center regardless of whether you are responsible for the accident.

 

Employer's Liability

Covers the death or personal injuries of your employees in the event of accidents when you, as the employer, fail to guarantee their safety in performing their work. This coverage operates in excess of Social Security benefits.

 

Products and Completed Works

If a third party is injured or killed due to defects in products manufactured, delivered, or supplied by your company, we will pay the corresponding compensation.

Extra-Contractual Civil Liability for Owned and Non-Owned Vehicles

This covers property damage, personal injury, or death caused to third parties by vehicles in your service, whether or not they are owned by you. This coverage operates in excess of the SOAT (Mandatory Traffic Accident Insurance), the vehicle's voluntary insurance, or, if you do not have the latter, a value defined by SURA.

International Travel

This covers property damage, personal injury, or death caused to third parties by officers or employees in the performance of their work duties during trips abroad. Trips must not exceed five weeks.

Exported Products

This covers damages caused by the insured due to defective products exported worldwide, except to Canada, the United States, and Puerto Rico.

Joining, Mixing, and Transformation

This applies to companies that, during their production processes, require inputs from other businesses and may be exposed to damaging or deteriorating them.