S&P Italian Law Firm offers legal advice and assistance on business insurance in Italy, providing full support to companies in understanding the legal framework of Italian insurance and in managing claims for compensation for damages in all cases of civil liability.

The Italian law firm Sampaoli & Pellacchia assists insurance companies, brokers, and agencies in insurance litigation, covering both out-of-court proceedings and judicial actions taking place in Italy.

The firm has solid experience in compensation claims and therefore pays particular attention to the pre-contractual, contractual, and out-of-court phases of negotiation.

Insurance protection for businesses in Italy

The Italian insurance industry offers several solutions to protect businesses from potentially hazardous activities.
The primary contract for this purpose is liability insurance (assicurazione per la responsabilità civile), which is essential – and sometimes compulsory by law – for operating companies.

Types of business insurance coverage in Italy

The Italian insurance market has developed various types of civil liability policies depending on the insured risk. Each policy has its own peculiarity and may be subject to specific legislative regulation.

A legal entity, for instance, is responsible for damages suffered by its employees in the workplace and is also liable to its customers for defects or issues caused by its products.

According to the Italian Civil Code, in case of liability, compensation includes actual and future loss as well as loss of profit.

 

Main types of company liability policies

• Liability Insurance Products (R.C. Prodotti): aimed to guarantee the insured against damages caused by a product after its sale.
• Liability Insurance towards Workers (Responsabilità Civile verso Prestatore d’Opera or R.C.O.): protects the employer against damages suffered by employees in the workplace.
  In cases of accidents or occupational diseases, workers are covered by compulsory public insurance managed by I.N.A.I.L.*; however, if accident prevention rules are violated, I.N.A.I.L., after compensating the employee, may claim reimbursement from the employer. Therefore, it is essential for companies to be covered by R.C.O. policies.

• Posthumous Ten-Year Policy (Decennale Postuma): designed for the real estate market, guaranteeing the builder against damages that may occur within ten years after the completion of construction works.
• General Liability Insurance (R.C.G.): provides coverage for damages not included in the categories mentioned above.

*I.N.A.I.L. National Institute for Insurance against Accident at Work