{"id":2615,"date":"2023-06-07T17:30:47","date_gmt":"2023-06-07T17:30:47","guid":{"rendered":"https:\/\/joaomarquesseguros.pt\/?page_id=2615"},"modified":"2023-06-28T15:22:31","modified_gmt":"2023-06-28T14:22:31","slug":"responsabilidade-civil","status":"publish","type":"page","link":"https:\/\/joaomarquesseguros.pt\/en\/protection-solutions\/civil-liability\/","title":{"rendered":"Civil liability"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2615\" class=\"elementor elementor-2615\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-754246c intro_banner elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"754246c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1111911\" data-id=\"1111911\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fbcb5f elementor-widget__width-auto elementor-widget-tablet__width-auto elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3fbcb5f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Civil liability<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f962bae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f962bae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41bedf66\" data-id=\"41bedf66\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33f2b21 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"33f2b21\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Civil liability insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4908fdb elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4908fdb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Family Liability<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2caeae7 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"2caeae7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>With a Family Civil Liability insurance you protect yourself and your family by guaranteeing the payment of compensation for property and non-patrimonial damages caused unintentionally to third parties by members of your household, domestic employees at your service and pets (provided they live with you and are not legally qualified as dangerous or potentially dangerous).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae53d9d elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ae53d9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Civil Liability (Corporate and ENI's)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f2f8b6 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"6f2f8b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>By taking out liability insurance, you reduce the impact of compensation for damages to third parties by transferring part of that responsibility to the insurer. You can easily combine several types of liability cover in a single policy, simply by choosing the capital that best suits your level of protection.<\/p><p>We help you strengthen your company's solidity, contributing to its differentiation and greater competitiveness.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5cfd2 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c5cfd2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Operating Liability<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59fe4df elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"59fe4df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It guarantees damage caused to third parties in the course of its activity.<\/p><p>Operating Liability Insurance guarantees the payment of:<\/p><ul><li>Compensation payable to the Insured for damage resulting from the installations, operations, works or activities carried out;<\/li><li>Legal costs, court fees and other expenses directly related to the legal defence of the company or the claim against third parties.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aba9f6 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0aba9f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Professional Liability<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237edf1 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"237edf1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Guarantees damage caused to third parties in the course of their work.<\/p><p>If a customer believes they have been harmed in any way by a product or service, they may consider legal action against the company\/person who provided it. In a world increasingly prone to litigation, professionals need to prepare for these types of situations. Typically, the costs involved in resolving such disputes can be high - from legal fees, to lawyers' fees, to possible damages in favour of the plaintiff - and practitioners see their business seriously compromised. In addition to these concerns, it is important to consider issues such as reputational damage.<\/p><p>This insurance is compulsory for some activities, especially for professionals and liberal professions, although it also makes sense for other professions, depending on the risk, the professional class and the size of the company, we give as an example:<\/p><ul><li>Administrators;<\/li><li>Lawyers, Legal Advisers, Solicitors;<\/li><li>Temporary work agencies;<\/li><li>Architects, engineers and design companies;<\/li><li>Architects, engineers and design companies;<\/li><li>Auditors, Technicians and Auditors;<\/li><li>Insurance intermediaries and agents;<\/li><li>Doctors;<\/li><li>Media and communication companies (publishing, advertising, television, radio, etc.);<\/li><li>Management companies or marketing consultancies;<\/li><li>IT companies, e-commerce or call centres;<\/li><li>Service provision companies in general;<\/li><li>Telecoms companies;<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-198b0a8 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"198b0a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Environmental Liability<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0dcea1 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"f0dcea1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Companies should find, where possible, effective ways to prevent environmental damage and ensure that they have sufficient resources for replacement, repair and mitigation in the event of environmental damage. Environmental Liability insurance guarantees Administrative Liability, for Environmental Damage or Imminent Threat of Damage resulting from the exercise of its activity.<\/p><p>Civil liability for pollution or contamination and defence costs may also be covered.<\/p><p>Available Covers:<\/p><ul><li>Administrative liability for environmental damage or imminent threat of damage<\/li><li>Civil liability for pollution\/contamination<\/li><li>Defence Costs<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57b1734 main_product_img_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57b1734\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e0299cd\" data-id=\"e0299cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fba2e9d main_product_img elementor-widget__width-auto elementor-widget-tablet__width-auto elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"fba2e9d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1240\" height=\"582\" src=\"https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil.jpg\" class=\"attachment-full size-full wp-image-2659\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil.jpg 1240w, https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil-300x141.jpg 300w, https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil-1024x481.jpg 1024w, https:\/\/joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil-768x360.jpg 768w\" sizes=\"(max-width: 1240px) 100vw, 1240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-272cbbc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"272cbbc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-88d7b77\" data-id=\"88d7b77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-81c28b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81c28b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3da0b21\" data-id=\"3da0b21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a3d62f elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"2a3d62f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get in touch<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e261c89 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e261c89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Fill in your details below and 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patrimoniais e n\u00e3o patrimoniais causados involuntariamente a terceiros pelos membros do seu agregado familiar, empregados dom\u00e9sticos ao seu servi\u00e7o e animais de companhia (desde que coabitem [&hellip;]<\/p>","protected":false},"author":2,"featured_media":336,"parent":1919,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Seguros de responsabilidade civil - Jo\u00e3o Marques Seguros<\/title>\n<meta name=\"description\" content=\"Com um seguro Responsabilidade Civil Familiar protege-se a si e \u00e0 sua fam\u00edlia, conte com Jo\u00e3o Marques Seguros para um atendimento personalizado\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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