Civil liability
Personal insurance

Civil liability

An accident or an unfortunate event can turn into a costly lawsuit. Civil liability protects your personal or professional assets when you unintentionally cause damage to a third party — and it also covers your legal defense.

Professionals, independent consultants and small businesses are exposed to claims for damage to clients, errors in their service or accidents on their premises. Personal and professional liability responds to those claims and to the cost of defending you, protecting your savings and the continuity of your activity — often for a very accessible premium.

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Mint Group · Commercial brand of Pledge Co, S.A. · SSRP PJ 995
We represent
Internacional de SegurosMAPFRESURAASSALa RegionalÓptimaMercantilAliadoAncónBanesco Seguros
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Ideal for
Independent professionalsConsultants and freelancersSmall businessesTenants

What your policy can cover

01
Third-party damage
Injury or property damage to others for which you are legally responsible.
02
Professional liability (E&O)
Claims for errors or omissions in the service you provide to clients.
03
Legal defense
Attorney and process costs to defend you against a covered claim.
04
Damage on your premises
Accidents suffered by clients or visitors in your workspace.
05
Property in your care
Damage to third-party equipment or goods in your custody or use.
06
Family liability
Damage you or your family cause to third parties in daily life.

Additional coverages & options

Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.

+Work performed outside Panama
+Defamation and reputational harm
+Tenant’s liability
+Higher limits
+Coverage for assistants or employees
+Temporary activities and events

When your policy responds

A client is injured
Someone slips in your office and is hurt. The policy covers the compensation and your defense.
A professional error
A client claims over a mistake in your advice. E&O coverage responds to the loss.
Damage to borrowed equipment
Equipment in your care is damaged. Care-of-property coverage responds.

Frequently asked questions

What people ask us most about this coverage.

How is it different from corporate liability?
It’s the version for individuals, professionals and small businesses; corporate is sized for larger operations. We place you in the right one.
Does it cover professional errors?
Yes, with professional liability (errors & omissions) coverage, key for consultants and advisors.
Does it include legal defense?
Yes, defense costs are usually included per the policy conditions.
Do I need it if I work from home?
If you receive clients or provide a professional service, yes — a single claim can exceed years of savings.
Let’s design your coverage.
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This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.
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