Korsa

Services | Insurance | Liability

Anyone can involuntarily as a result of their activities cause harm to others, whether material, physical or moral, the values involved in the repair may seriously jeopardize the financial planning. The Civil Code, in his new compositions and interpretations associated with greater public awareness of their rights, makes the hiring of liability insurance as an extremely important and indispensable. The liability insurance guarantees the repayment of sums that the insured will be required to pay as a result of bodily injury or property damage caused by it involuntarily (by default, negligence or recklessness) to third parties or by which people can respond civilly.

Given the various types and forms of engagement available for this insurance, it is important to structure tailored to each client, according to the activities and their risks.

Insurance RC mode:

Employer RCG - Covers personal injury suffered by their employees while on duty. Independent of compensation payable by the Compulsory Insurance Accident. RCG House, Owners and Renters Property - Covers damage to others caused by accidents related to the use and conservation of the property. RCG Clubs and Associations - covers damage to third parties, partners and dependents, and property-related activities, as well as damage to personal property delivered to the custody of the club. RCG Business Establishment / Industrial - Covers damage caused to third parties arising from commercial or industrial activities, panels, signage, events, damage to goods transported by the insured or his command and so on.

RCG Exhibition and Trade - Covers damage caused to third parties for accidents occurring from assembly to disassembly facilities and closure of operations. It does not cover the goods object of the exhibition or fair.

RCG Environmental Pollution - Provides coverage on the repair of damage caused to the environment and to others, due to operations of the insured for liability (air pollution, water pollution, contamination of animals and food).

RCG Products - Covers the insured for damages caused to third parties arising from accidents caused by products it manufactured, sold or distributed to manufacturing defects, improper storage or handling.

RCG Professional - Covers damage caused to third parties for faults committed by the insured in the exercise of their profession or arising from it within the time and place fixed in the policy. This insurance is commonly used by doctors, dentists, lawyers, engineers, brokers, Service Company's data processing etc...

RC Port Operator

Intended primarily for port operators, organized ports, private marinas, shipyards, ship repairers and shipping agents and stevedores. The port operator insurance covers all civil liability of ship building, terminal operations, stevedoring, commercial marinas, port authorities, ship repair, docks and piers.

The policy of comprehensive port operators is divided into sections:

• Section 1 - comprehensive coverage of civil liability for port operators (Including maritime operations). Scope of coverage:

- Civil liability of the port operator;

- Excess Protection and Indemnity (P & I);

- Liability for ancillary services.

• Section 2 - Coverage of boats (hull and machinery).

• Section 3 - Coverage for physical damage to property and assets.

• Section 4 - Coverage for loss of revenue.

RC Naval Security Repairer

Ensures to the shipyard that accidents during repair of vessels have insurance coverage. The fact of the owner to have their own insurance does not relieve the need of the shipyard to hire this policy. In the event of any accident indemnified by the ship owner's insurer, the insurer may seek reimbursement from him and add the court yard, in this case, use its own insurance.

RC Environmental Insurance

Who produces, distributes or transports by road products that can cause damage to the environment must always be protected in case of accidents or incidents.

The Korsa Insurance Broker has the best professionals in environmental risk management, and besides prepares the RC Trans Environmental, insurance designed to cover the liabilities of the damage done to the environment and also the main expenses of the action, remediation and treatment environmental damage.

The brokerage offers discounts for companies that have ISO 14.000/8800, Responsible Care Abiquim, SASSMAQ, Trans Green Quality and PRODIR.

Extensive coverage

Liability and moral damages

Coverage for reimbursement for costs of repairs for unintentional damage, personal, material or moral*, caused as a result of freight transport themselves or others, including pollution and contamination, sudden or not arising out of accidents during transport and handling.

Legal Assistance

Coverage for reimbursement for expenses in civil court and the appointed attorney fees. It may also include the cost of the insured's defense in the criminal sphere where it can exercise influence in the civil lawsuit liability arising out backed by insurance. The legal service will be provided by specialized offices.

Contingency claim (remediation liabilities)

In order to minimize losses and damage, and remedy any environmental liabilities of the original claim, the policy holder guarantees payment of the costs of emergency care claims.

This coverage extends to claims not arising out of or accident to the carrier vehicle. The remediation liabilities (contingent on claim)includes cleaning, removal and restoration of soil, removal, transportation and waste disposal, containment of the material spilled / poured and all other expenses for services required for containment of the accident.

Loading and unloading

Guarantees the insured pay the costs of contingency and accident liability of the insured for damages caused to third parties for the goods transported during the loading and unloading the vehicle carrier. Since these operations are carried out with appropriate equipment and according to the nature of the goods.

Storage

Guarantees the insured contingency payment of expenses claims and liability of the insured for damages caused to third parties during the stay / storage of goods transported. Provided this shall not exceed 30 days, complementary or preliminary to the main journey.

Adverse Publicity

The insured may have to reimburse the costs of measures taken from companies of press, broadcasting, advertising campaigns and related, due to adverse publicity caused as a result of claim covered.

Administration of Insurance Company Liability

D & O Insurance

The current business environment has required managers - directors, managers and administrators - increasing quality and agility in decision making. The fact is that a bad attitude or lack of supervision, which does not comply with the law or the duties of managers, can create personal liability for damages caused by such conduct in the exercise of administrative activities. Shareholders, employees, customers, competitors, government entities and third parties with which the company relates, may enforce their rights through actions, that the law grants to offset the possible effects of the act or decision fails. In this case, the responsible management professional may be required to respond with their personal assets.

The protection of personal assets of directors is subject to insurance coverage D & O - Directors and Officers, which is properly suited to the needs of each company.

Main Guarantees

A) Indemnification of directors

Compensation to directors and officers of amounts paid on the basis of legal action. Advance the defense costs and no franchise.

B) Refund to society

Reimburse the company for damages it paid on behalf of the directors and officers. Advance the defense costs and no franchise.

C) Providing additional containment of crisis

Indemnifies losses resulting from damage to company image. Public notice of layoffs of employees, loss of key executives, restructuring or non-payment of debt and loss of rank, are examples.

D) Costs of defense in general

To cover court costs and attorneys' fees arising from claims related to defense.

E) Representations to court procedures

Covers expenses with lawyers, among other costs of defense, extra-judicial proceedings or administrative.

F) New subsidiaries.

Covers, automatically, all directors and officers of companies created and / or acquired during the term of the insurance, up to a limit of assets.

G) Board members and directors of nonprofits

Service For insurance to the directors and managers engaged in positions of directors in charities.

H) Heirs and legal representatives of the estate

secure extension to the heirs in case of death of the insured.

I) joint and several liability of property of spouse

In the case of any blockage or attachment that extends to the assets of the insured spouse.

J) Pollution

Covers complaints shareholder of the company (on behalf of society or on its own), with the allegation of injury to the company or shareholders, for pure financial loss arising from the release of pollutants.

K) Block of assets

Compensation for damages due to tax directors and managers due to unavailability of measures placing their personal assets, such as online attachment, etc.

L) Coverage for fines

Guarantee of fines imposed on directors and officers solely by exclusively of acts of management in the exercise of functions.