Liability ProtectionMulti-Solution Liability

CIVICA: a multi-solution liability insurance policy

The operations of your company, as well as its products, its work and the incidents that occur on the sites on which it operates, can lead to civil liability lawsuits for bodily injury, moral or property damage, as well as various other damages.

The compensatory awards stemming from these lawsuits can be extremely high and could put your firm’s financial stability in jeopardy. Here are some examples of situations that could lead to lawsuits:

• A visitor sustains injuries on your premises.
• A customer accuses you of discrimination.
• One of your subcontractors causes damage to the property of one of your clients.
• Your work causes a roadway collapse. Although not physically hurt, several people are in a state of shock.
• The operating instructions for your product have not been adequately understood by one of its users, who sues you for injuries.
• Work conducted on a worksite causes damage to a neighbouring property.

As each business is unique, AXA has decided to create a multi-solution liability insurance policy: CIVICA. CIVICA has been designed specifically to offer an alternative to the main restrictions included in the insurance wording typically used by other insurers.

Its three options—Standard, Plus and Supreme—are designed to respond to the needs of all businesses, whatever their nature.

Contact your broker to find out more

CIVICA Standard

CIVICA Standard is our basic liability insurance product. While CIVICA Standard may be the baseline product in our CIVICA family, it is essentially equivalent to policies offered by most insurers in the industry.

It offers numerous advantages, including liability coverage maintained when loading and unloading vehicles.

Just because CIVICA Standard is the baby in our CIVICA, family, it doesn’t mean it’s a lightweight!

CIVICA Plus

You’re going to love our CIVICA Plus! It's a coverage gem. CIVICA Plus provides coverage above and beyond that offered by CIVICA Standard and competing products.

CIVICA Supreme

CIVICA Supreme is the crème de la crème of liability insurance products. It provides all the advantages of CIVICA Plus with even greater coverage.

Above and beyond the coverage provided by CIVICA Plus, CIVICA Supreme covers:

• claims for loss, damage or injury occurring anywhere in the world and resulting from use of space intended for commercial representation (sales offices, showrooms, exhibits, etc.), regardless of where the judgment is handed down.

Extended coverage for your clients, because certain limits of coverage are higher than those in CIVICA Plus.

Payment Solutions

Choose the method that suits you best

Pay your insurance in one payment or with automatic debits, whatever works best for you!

Contact a professional

To obtain an insurance policy or get more information, please contact an AXA broker in your area.

Certain conditions may apply to the offers described above. Details of the coverage are subject to the conditions and limitations of the contract of insurance. For complete details, please speak to your broker.