Are you an operator of a publicly accessible space?
Don't forget your compulsory insurance.
Objective liability
What is objective liability?
Objective liability insurance is mandatory for operators of public spaces, such as:
- restaurants
- pubs
- hotels
- cinemas
- cultural centres
- car dealers
- gymnasiums
- rest homes
- schools
- etc.
You can always check with the technical department of your municipality or city.
Or ask us. Materné will review with you whether this policy is mandatory in your situation.
Why go for objective liability?
Legal obligation
This is compulsory insurance. The municipality or city will request the insurance certificate.
Image damage
In case of fire or explosion, you can guarantee ample compensation to those present. This way, you limit image damage.
No fault of the operator even has to be shown
In the event of an explosion or fire, the operator is obliged to compensate the victims for the damage. Even without the victims having to prove the fault of the operator.
What does objective liability insurance cover?
Objective liability means that a person suffering damage due to fire or explosion does not have to prove that you are at fault.
In contrast, you are obliged to compensate the claimant for both physical and property damage, even if you are not at fault.
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
Is my fire or liability insurance insufficient?
No, this is statutory insurance.
Moreover, your municipality or city also expects an attestation.
Should the building owner take out this insurance?
No, it is the operator of the publicly accessible space who must take out the insurance.
Is this insurance mandatory for every surface?
Depending on the type of business you run, this insurance is already compulsory from a surface area of 50m². Materné will be happy to check your obligations with you.
Is a school required to take out objective liability insurance?
This depends on the number of students.
Contact Materné and we will be happy to guide you.
When should I take out objective liability insurance?
This depends on the type of building that is publicly accessible. For each type, there are also sub-criteria.
Materné is happy to look at your exploitation risk and make a thorough risk analysis for you.
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