Professional Civil Liability is a requirement established by Presidential Decree No. 137/2012, which protects the self-employed professional from damage claims for errors, omissions, professional negligence, and contractual liability caused to third parties, including clients.
Here are a series of guarantees that can be included in the policy to customise coverage to meet the needs of the Self-Employed Professional:
- Property damage;
- Contractual civil liability;
- Minor fault and gross fault;
- Employee/collaborator misconduct;
- Privacy violations;
- Tax penalties imposed on the insured’s clients due to the professional’s error;
- Legal costs and expenses;
- Operation of the office;
- Retroactive insurance coverage;
- Loss of documents;
- Defamation and insult.
The international law firm Palma & Partners offers its professional and academic expertise to protect Italian self-employed professionals (e.g., Architects, Engineers, Chartered Accountants, Surveyors, Industrial Experts, Doctors, Lawyers, Auditors, Geologists, Agronomists, Agricultural Experts, Data Processing Companies, Condominium Administrators, Biologists, Labour Consultants, Accountants, Commercial Experts, Food Technologists, and those in Regulated Professions, etc.) from third-party claims, both in Italy and abroad, and vice versa.
Art. 5 of Presidential Decree No. 137/2012 – Insurance Requirement
1. The professional is required to take out, including through collective agreements negotiated by national councils and professional pension bodies, appropriate insurance for damages caused to the client by the exercise of the professional activity, including the custody of documents and valuables received from the client. The professional must inform the client, at the time of accepting the assignment, of the details of the professional insurance policy, its coverage limits, and any subsequent changes.
2. The violation of the provision of paragraph 1 constitutes a disciplinary offence. (…)
