Liability
In sectors like logistics, transport, and construction, every activity involves responsibility — for your operations, your clients, and the goods or projects entrusted to you.
Despite the greatest care, accidents, errors, or damage can occur — and the resulting claims can quickly become significant.
The right liability coverage protects your company, your assets, and your reputation.
As a transporter, you don’t just move goods — you’re contractually responsible for them from the moment you take them into your care until delivery.
CMR Liability Insurance (Convention relative au contrat de transport international de marchandises par route) covers your contractual responsibility for goods under both Belgian and international law.
This protection extends to incidents such as:
- Theft or loss of goods during transport or storage.
- Mishandling or damage during loading, unloading, or temporary storage.
- Incorrect delivery or misdelivery of shipments.
- Traffic accidents or improper securing of cargo.
With CMR coverage, your clients are compensated according to international conventions — and your business avoids financial and reputational harm.
Transport companies frequently operate with equipment that isn’t their own, such as rented or customer-owned trailers, chassis, or containers.
If such equipment is damaged, lost, or causes damage while in your custody, you can be held responsible.
Container and Trailer Liability Insurance covers these situations, ensuring that your business remains protected when using third-party equipment, whether under lease, subcontract, or interchange agreements.
Beyond transport-specific exposures, most companies face broader liability risks — during operations and after delivery.
- Operational Liability (General Liability): covers bodily injury, property damage, and consequential losses caused to third parties in the course of business, such as at a customer’s site or during handling activities.
- Product and Service Liability (Post-Delivery): protects you if damage occurs after delivery or completion of a service, for example due to a defect, installation error, or malfunction.
- Damage to entrusted goods: covers loss or damage to goods temporarily in your care, such as for repair, storage, or treatment — a risk often excluded or limited in standard liability policies.
These coverages ensure protection before, during, and after every job or delivery.
For contractors, architects, and construction professionals, an additional mandatory coverage now applies under Belgian law: the 10-Year Liability Insurance.
This coverage protects against serious construction defects that affect the stability, solidity, or watertightness of a building and that appear within ten years of completion, in compliance with the Peeters Law.
Having this policy in place ensures legal compliance and shields your company from potentially high repair or reconstruction costs — safeguarding both your reputation and your client relationships.
As a company director or manager, you make crucial decisions that impact clients, employees, and shareholders.
If those decisions lead to financial losses for the company or third parties, you can be held personally liable.
Directors’ Liability Insurance protects your personal assets, compensates for damages, and covers the costs of legal defense — ensuring one management decision doesn’t threaten your financial security.
Together, these liability covers create a comprehensive protection framework tailored to your professional activity — whether you transport goods, manage complex logistics, or build lasting structures. One policy oversight can have lasting consequences; with the right coverage, you’re protected from the unexpected.
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