Liability insurance
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Liability insurance

Whether you run a small family business or run a large company, we offer comprehensive liability insurance coverage to protect you from unexpected risks and financial losses. Liability insurance is a type of insurance that protects the insured in the event that they cause property damage or bodily injury to someone else.

Our insurance solution is designed to meet the specific needs of each business and provides a wide range of specialised services.
It covers damage or injury caused by the insured as a result of their business activity, i.e. the activity as such, a defective product, a defective service, but also damage arising in connection with the ownership or lease of real estate, damage to employees’ belongings, etc.

For some industries or activities, ordinary liability insurance is no longer sufficient and professional indemnity insurance is required. For certain professions and fields, the obligation to take out such insurance is directly provided for by law.

What does liability insurance cover?

Liability insurance is a type of insurance that protects the insured in the event that they cause property damage or bodily injury to someone else. This insurance covers damage or injury caused by the insured as a result of their business activities, whether it is a defective product, a poorly provided service or damage arising in connection with the ownership or rental of property. It also covers damage to employees’ belongings and other specific situations.

Why choose Petrisk a.s.?

  • Professional approach: our experts have many years of experience in the insurance industry and provide the highest level of service.

  • Individual solution: we offer each client an insurance tailored to their specific needs and requirements.

  • Reliability: we take a transparent and fair approach so you can fully rely on our support.

  • Comprehensive support: we provide comprehensive support not only when arranging insurance, but also when dealing with insurance claims.

Our Solution

With our liability insurance, you can focus on growing your business while we protect you from financial risks:

Comprehensive cover

  • Protection against damage caused by business activities and in connection with real estate

Compulsory professional indemnity insurance

  • For some industries or activities, ordinary liability insurance is no longer sufficient.
  • In these cases, professional indemnity insurance is required. For certain professions and fields, the obligation to have this insurance is directly provided by law.

Our liability insurance services

Professional liability insurance

This insurance is designed for professionals who provide consultancy or professional services and protects them against financial losses resulting from errors or omissions in their work.

General liability insurance

It covers third party claims for damages caused by your activities, including damage to health and property. This insurance is essential for businesses of all sizes.

Product liability insurance

It protects manufacturers and distributors from claims for damages caused by a defective product that has caused damage to health or property.

Employers' liability insurance

It provides coverage for workers' compensation claims arising out of the performance of their work, including occupational accidents and diseases.

Directors and Officers Liability Insurance (D&O)

It protects members of statutory bodies from personal financial liability for errors in the performance of their duties.

Other services we can offer you in the context of international trade

  • Advice on public procurement according to Act No. 134/2015 Coll., on public procurement

  • Assistance in the preparation of the technical part of the tender documentation

  • Online web portal for clients eSmlouva

  • Employee Benefits Programs including Citizenship Insurance

  • Forensic expertise in the field of vehicles, historic vehicles, aircraft and machinery

  • Preparation of operational manuals for the administration of insurance contracts and claims

Specialised services for every sector

For some industries or activities, ordinary liability insurance is no longer sufficient. That’s why we offer professional liability insurance, which is required for specific professions and fields. This insurance is often required by law and provides protection against errors and omissions that can lead to financial losses or legal disputes. Our specialized services include one-on-one consultation, risk analysis and design of insurance coverage tailored specifically to your business.

Our comprehensive and flexible insurance solutions give you peace of mind that your business is protected from the unforeseen. Contact us today to find out how we can help you protect your business.

Insurance claim settlement process

  • Damage reporting

    The first step is to report the damage immediately to make the resolution process as quick and efficient as possible

  • Proposal for a solution

    We will prepare a detailed proposal on how best to proceed with the claim

  • Reporting to the insurer

    We will prepare a detailed proposal on how best to proceed with the claim

  • Communication with the insurer

    We actively communicate with the insurer to ensure the process runs smoothly

  • Supervision of the amount of performance

    We carefully supervise the correct determination of the amount of the insurance benefit

  • Ensuring a payout

    We will make sure that the sum insured is paid as quickly and correctly as possible

  • Reporting

    We keep you regularly informed about the status of the claim and the development of the process

Other services we can offer you in the context of international trade

  • Advice on public procurement according to Act No. 134/2015 Coll., on public procurement

  • Assistance in the preparation of the technical part of the tender documentation

  • Online web portal for clients eSmlouva

  • Employee Benefits Programs including Citizenship Insurance

  • Forensic expertise in the field of vehicles, historic vehicles, aircraft and machinery

  • Preparation of operational manuals for the administration of insurance contracts and claims

We can also arrange for the settlement of insurance claims

When settling insurance claims, you can rely on our experienced professionals with many years of experience in the field, who are always looking for the right solutions for our clients. We deal not only with industrial, property and auto insurance claims, but also with complex liability insurance claims and non-standard claims in aviation, construction and other specific types of insurance.

When dealing with the settlement of insurance claims , we take over negotiations with insurers, manage the settlement process, coordinate individual steps, including the participation of experts and other stakeholders in the matter. We provide support and are the backbone for our clients’ claims staff. We also enable our clients to report claims, track the progress of claims, document the claim or communicate with a specific claims officer via the online client portal.

Insurance claim settlement process

  • Damage reporting

    The first step is to report the damage immediately to make the resolution process as quick and efficient as possible

  • Proposal for a solution

    We will prepare a detailed proposal on how best to proceed with the claim

  • Reporting to the insurer

    We will prepare a detailed proposal on how best to proceed with the claim

  • Communication with the insurer

    We actively communicate with the insurer to ensure the process runs smoothly

  • Supervision of the amount of performance

    We carefully supervise the correct determination of the amount of the insurance benefit

  • Ensuring a payout

    We will make sure that the sum insured is paid as quickly and correctly as possible

  • Reporting

    We keep you regularly informed about the status of the claim and the development of the process

Services we provide for you in the field of insurance claims settlement

  • We ensure the highest possible insurance benefits

  • Availability 24 hours a day

  • Fast claims handling

  • We don’t hide behind voice assistants, so you always have direct contact with our experts and time to focus on your core business

References and testimonials

We have extensive experience in liability insurance

We have gained valuable experience in insuring these clients, which we will use with you.

30 years

on the market

Liability insurance | PETRiSK.cz
Liability insurance | PETRiSK.cz
Liability insurance | PETRiSK.cz

we are certified

585 miles. CZK

insured total

Ing. Martin Šinták

We established cooperation with Mavel, a.s., a leading global manufacturer of turbines and technologies for hydroelectric power plants, almost 30 years ago.

"We have been cooperating with PETRISK since 1995, i.e. from the times immediately after the revolution, when the founder of PETRISK, Mr. Kmoch Sr., worked as a natural entrepreneur. Both of our companies have moved to absolutely different levels over the years, but the professional relationship in the insurance field and the friendly approach still remain."

  • Ing. Martin Šinták
  • Member of the Board of Directors
Setting up an insurance program acceptable to importers and trading partners
Case study
  • Case study
  • Domanský s.r.o.

Setting up an insurance program acceptable to importers and trading partners

Přečíst celý příběh
Jaroslav Maňas

The company AQUA - STYL spol. s.r.o. focuses on deliveries and turnkey construction in the fields of energy and water management, especially wastewater treatment plants and industrial pumping stations. Our cooperation has been ongoing since 2019.

"PETRISK has been providing us with comprehensive services for more than 5 years. It is a reliable partner with a professional approach."

  • Jaroslav Maňas
  • Managing Director
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