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4. Civil liability risks
4.1 Definition of civil liability
Liability is either civil (the third party is another legal or natural person), or criminal (the community or State is injured). In the first case, it is up to the injured third party to take legal action to obtain compensation; in the second case, the judicial authorities (the public prosecutor's office) take the initiative.
Civil liability (CR) is the obligation imposed by law to compensate for damage caused to others, either by the non-performance of an obligation arising from a contract, or by a wrongful act committed with or without intent to harm, or by the act of a person, animal or thing for which one is responsible.
The principles of civil liability...
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Civil liability risks
Policy life cycle ("Fire")
Bibliography
Websites
French Federation of Insurance Companies http://www.ffsa.fr
This site provides :
a glossary of insurance terms ;
documents (presentation of the main insurance policies) from CDIA (Centre de documentation et d'information de l'assurance).
Characteristics of the main property and casualty policies
The characteristics of the main property and casualty policies are summarized in tables 2 , 3 ,
Characteristics of the main liability policies
Damage to third parties can be :
bodily: injury to the physical integrity of human beings;
material: damage to property (including animals) belonging to third parties or to those in which he has an interest;
immaterial: i.e. any financial loss. For an insurer, it is important...
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