Insurance Management Consultancy

Occupational Professional Third Party Liability

Lawyers

Professional indemnity coverage for lawyers includes the following areas:

• in the performance of public and judicial duties relating to tasks entrusted to the judicial authorities, provided that they relate to the professional activities indicated in the policy, including the duties of receiver in bankruptcy proceedings, judicial commissioner in arrangement with creditors and receivership proceedings, as well as liquidator in administrative compulsory winding up procedures
  
  
• in the performance of extrajudicial activities as liquidator of companies
  
  
• in the case of financial losses resulting from the loss, destruction or deterioration of non bearer acts, documents and securities, provided they do not result from theft, robbery or fire
  
  
• in cases of financial losses resulting from the involuntary disclosure of information on third parties, including clients
  
  
• in the performance of his/her duties as a freelance teacher and holder of a university chair, limited to economic, legal and tax disciplines
  
  
• in the event of civil liability arising from negligence or wilful misconduct on the part of the insured party, committed by employees, consultants and collaborators. In this case, the rights of recourse against those of these persons who have acted "with malice" shall be maintained.
  
  
• in the event of civil liability arising from the insured for damage caused to third parties by collaborators, consultants and professionals in general in the context of a non-employee employment relationship. Upon proof that the fees or sums or fees paid to such persons are declared in the insurance contract
  
  
• in the case of civil liability arising from the insured for car clients pursuant to article 2049 of the Italian Civil Code
  
  
• in the case of civil liability arising from the culpable act of the insured person's substitute, provided that the latter is a representative, qualified practitioner or professional in general, delegated from time to time on the basis of article 109 of the Provisions implementing the Code of Civil Procedure
  
  
• in the case of civil liability of the insured person due to negligence in the choice of correspondents or domiciliaries, the personal professional liability of the same shall in any case be excluded.
  
  
• in the case of penalties of a fiscal nature imposed on the clients of the insured for errors attributable to the insured himself
  
  
• in the case of civil liability arising from actions by the insured, identified in the insurance contract, which are part of the firm and registered in the Register of the relevant professional body or in the company register. This also includes employees of the practice.
  
  
• in the case of civil liability that the insured person may incur for actions committed by practitioners, collaborators (even temporary), court substitutes, delegated attorneys, employees or apprentices of the insured person.
  
  
• Note: coverage is also available during the performance of related public or judicial functions. Including also those of guardian or deputy guardian of disqualified minors or of conservator of a missing, disabled or incapacitated person. In addition to being a liquidator in the estate in deposit or in receipt of benefits, and all the other forms of special treatment provided for by the Italian Civil Code and other laws.