Operational Civil Liability
For whom?: Any company with premises hosting public or employees — Annual premium: 2,000-20,000 MAD/an
Operational CL covers damages caused to third parties (clients, visitors, suppliers) on company premises or during interventions. Different from Professional CL: covers daily activity, not professional services. Often included in professional multi-risk.
Coverage details
Bodily and material damages caused to third parties by company or its employees. Ceilings 1-10M MAD per company size. Defense costs included. Option: post-delivery CL (product defects), transport CL, commercial representative CL.
Legal framework
Not legally mandatory but strongly recommended. Required in many commercial leases and contracts with principals. Essential protection against third-party recourse which can reach significant amounts.
Claim examples
- Supermarket: customer slips on wet floor, fracture, 150K MAD compensation
- Hotel: smoker room fire causing damages to neighboring rooms (customers)
- Garage: tool slipping from hands, injuring a customer
- Delivery person: fall at customer's damaging fragile furniture
Exclusions
- Damages caused to company itself or its patrimony
- Failed professional services (→ Professional CL)
- Gradual pollution (separate option needed)
- Environmental damages
2026 taxation
100% deductible premium. 20% VAT recoverable. Compensation paid to third parties: not taxable for company (cash outflow). Neutral accounting impact.
How to subscribe
Detailed activity declaration, premises surface, number of employees and visitors. Often negotiated in bundle with multi-risk and Professional CL (15-20% discount). Signature within 5-10 days.
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