Insurance appraisals for liability damages
Liability damages
When we talk about liability policies we refer to a very wide universe of cases and guarantees that can be traced to many categories, the most important of which are the following:
Workers’ compensation liability
This is the type of policy that protects employers against claims from workers who have suffered work-related injuries or occupational diseases resulting from their work. In addition, this type of policy also aims to hold the employer harmless from any claims brought by INAIL.
Pollution liability
This is the type of policy that covers any damage resulting from the leakage into the environment (into the air, soil, rivers or sea) of toxic or harmful substances having harmful effects on the health of people, animals and plants. It is underwritten mainly by industrial companies and transportation companies.
Professional liability
It is the type of policy that protects professionals from indemnity claims by their clients/clients
in the case of dereliction of professional duty, negligence, inexperience, or recklessness during the performance of professional duties.
Products liability
This is the type of policy that covers consumers for damages resulting from products that are defective, dangerous, or unfit for the use for which they were designed.
Auto / Motorcycle Liability
This is the type of policy that covers third-party damage to a vehicle of any kind.
The insurance appraisal for liability damages
Tort expert witness work is a complex and multifaceted process focused on different activities depending on the type of liability in which it falls. More specifically:
Survey for workers’ liability
This type of expertise consists of a process that aims to determine the causes of a work-related injury by going on to determine whether the employer’s responsibilities or factors beyond the employer’s control are at the root. Knowledge of current Occupational Safety regulations is required for this one. The same process also aims at determining the compatibility of the physical injury suffered by the worker with the dynamics of the event.
Survey for pollution liability
This type of expertise consists of a process that aims to determine the causes of pollution, the extent of environmental and biological damage caused by it, the persistence of the damage over time, and finally the quantification of the compensation needed to make good the environmental damage.
Survey for professional liability
This type of expertise aims to determine the extent of property, economic, and reputational damage suffered by the insured professional’s client and to quantify that damage in order to adequately compensate the injured client.
Product liability appraisal
This type of expertise aims to determine all types of harm suffered by a consumer as a result of using a product that is defective or unfit for the use for which it was designed. It also aims to quantify the value of the damage suffered in order to adequately compensate the consumer.
Auto / Motorcycle Liability Survey
This type of appraisal aims to determine the damages suffered by vehicles, people, animals, and property as a result of motor vehicle accident to determine the compensation that will be awarded to the damaged parties.
Novires experience in liability insurance appraisals
Novires is able to work alongside any insurance company as an experienced and reliable partner in the area of liability insurance appraisals.
The Novires team includes experts in contracting and occupational safety who are able to professionally and meticulously address any insurance expertise attributable to workers’ liability policies.
In addition, when it comes to professional liability expert reports, the Novires team includes accountants, notaries, and legal experts who can deal with any professional liability damage case.
Regarding all types of liability mentioned above, the Novires team includes insurance adjusters and legal experts with more than a decade of experience who can frame and assess each damaging event both at the level of the civil code and at the level of contractual agreements between the Parties.
