Civil & Crime Insurance

Civil liability insurance covers damages and claims resulting from legal action taken against an individual or organization. It includes compensation for bodily injury, property damage, and other injuries caused by the insured party's actions. Unlike criminal negligence, which involves intentional wrongdoing, civil negligence can occur due to human error or simple mistakes. In civil negligence cases, the plaintiff may need to pay compensation to the claimant.

Crime insurance, on the other hand, specifically addresses losses related to criminal acts such as theft, fraud, or embezzlement. It provides coverage for financial losses resulting from criminal activities committed by employees or third parties within an organisation.