Professional LC Product
Here are the products available for Professional LC:
CREA offers brokers, insurers, and agents a package of professional insurance policies designed to protect the risks associated with their clients’ professional activities. Our professional liability insurance ensures the risks for professionals such as lawyers, accountants, labor consultants, insurers, and brokers.
The coverage options and competitive premiums make our products highly attractive in the market.
CREA enables brokers, insurers, and agents to sell flexible and customizable insurance coverage tailored to meet every professional risk requirement.
Simplify your work as an insurance intermediary with the CREA platform: with just a few clicks, identify the most suitable professional liability insurance for your clients, customize the coverage options, and instantly issue your policy!
Economic and Legal Professions
Insurance policy for the following professionals:
- Lawyers
- Accountants
- Labor consultants
- EDP
The Civil Liability (LC) for economic and legal professionals is mandatory, whether they are individual professionals or Associate Studies/ Companies, and covers claims for compensation for damage caused by negligence, personal professional errors committed in the exercise of their activities, as well as professional errors of employees, any collaborators or persons to which the intermediary must be answerable by law.
Technical Professions
Insurance policy for the following professionals:
- agronomists, agrotechnicians, and agricultural experts
- experts (industrial, construction, etc.)
- architects
- building surveyors
- engineers
The CL for economic and legal professionals is mandatory, whether they are individual professionals or Associate Studies/ Companies, and covers claims for compensation for damage caused by negligence, personal professional errors committed in the exercise of their activities, as well as professional errors of employees, any collaborators or persons to which the intermediary must be answerable by law.
Agents
Insurance policy for the following professionals:
- insurance agents and brokers
- real estate agents
- financial agents
- credit brokers
The Professional CL covers Agents from claims for damages caused by negligence, personal professional errors committed by them in the exercise of their activities, as well as professional errors and infidelity of employees, any collaborators, or persons to whom the intermediary must be answerable by law. Like other professional categories recognized by registers/ registers, the conclusion of a professional liability policy is mandatory and basic for the pursuit of the activity. In practice, the policy covers all the professional activities permitted by law and the regulations governing the exercise of the profession of insurance intermediation.
Bonus Edilizia
Professional CL policy to cover the activity of certification carried out by technical professionals (qualified technical) pursuant to D.L. 34/2020 art. 119 - paragraphs 13-14 and subsequent amendments and additions. The annual policy does not provide for the tacit renewal and adjustment of the premium at maturity. It is granted retroactively in July 2020 and posthumously as per current legislation (5 or 8 years depending on the use made of the tax benefit).
Altre Professioni
Miscellaneous professional policies, or in Anglo-Saxon terms, E&O (errors & omissions) mainly concern the countless professions not regulated or recognized by national registers/ books.
In August 2012, the D.P.R. 137/2012 was issued to protect these professions and professional figures, e.g. graphic designers, wedding planners, digital copywriters, etc. from the risks arising from the exercise of their professional activity.
In addition, they now have three systems to qualify their professionalism: self-declaration, certification by reference associations and accreditation of third-party bodies, provided that issued in reference to a technical standard issued by UNI (Italian Standardization Body) that defines the professional requirements.
Thanks to this multitude of professional skills, the need arises for protection against any asset damage caused by their activities, which are often multiple and have various levels of risk.
