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Third Party Liability (TPL) and Product Recall

The risks of Civil Liability towards third parties, customers, and employees are increasing, and so are the compensation amounts.

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Protect your business and reduce your risks with our specialized insurance

The risks of Third Party Liability (TPL) towards third parties, customers, and employees are increasing, and the compensation amounts are becoming more substantial. It is necessary to protect the company from the financial consequences of these claims:

  • In the area of activity development: both towards third parties and employees due to workplace accidents.
  • In the area of manufactured and/or distributed products: often on a global level.
  • In the product recall and the effects of claims for companies: beyond potential compensations.

It is essential to adapt the coverage to the needs of the Company

At Peris, we advise companies to set up prevention and claims management policies, with the goals of minimizing, solving, and always taking care of the company’s image.

  • The geographical scope of activity and product sales
  • The applicable legislation and liability regime for each case
  • Analyzing manufactured products and services performed: The consequences that may occur once the product or service is delivered and the type of customer that buys the product, to set the necessary guarantees in each case and each coverage: operation, product, union and mixture, substitution, recall, etc.
  • Study the activity: the degree of danger for employees and third parties during its development.
  • Coverage analysis: introducing the special and specific clauses that the company requires, due to its activity or product manufactured, and possible market exclusions that should be removed in necessary cases.
  • Establishing the necessary insured sums for each coverage and the limits per victim: Nowadays, it's essential that the coverage amounts are substantial to provide peace of mind in serious cases.

This sometimes requires multiple layers of coverage to obtain sufficiently high sums at the lowest possible insurance cost.

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