What is community public liability insurance?

Legal analysis: 1, any place liability insurance is to transfer the economic compensation responsibility of the insured to a third party, and public liability insurance is to transfer the third party losses caused by business accidents of the owner or manager of the place; Property management liability insurance can be said to be a kind of specific public liability insurance, which is based on the property management contract signed between the property and the owner and bears the economic compensation responsibility for specific responsibilities. Of course, for residential areas and office buildings, property management companies can also take out public liability insurance to undertake their obligations.

2. Its legal basis is slightly different. The public liability insurance relies more on tort law, that is to say, if your business negligence infringes the rights of a third party (life, health, ownership, etc.). ), the insurance company will bear the brokerage liability. Of course, some public places may be strictly responsible; As for property management liability insurance, it relies on property management regulations and property management contracts, and more is to transfer the economic compensation responsibility that the owner should bear (the third party refers to the owner because its main responsibility is this).

Legal basis: public liability insurance contract

Article 3 During the insurance period, the insured engages in production and business activities in accordance with the law at the place agreed in this insurance contract, and if an accident occurs at that place and causes personal injury or property loss to a third party, the insurer shall be responsible for compensation according to the laws of People's Republic of China (PRC) and China (excluding the laws of Hong Kong, Macao and Taiwan) and the economic responsibility of the insured.

Article 4 According to this insurance contract, the insurer shall also be responsible for the following expenses of the insured:

(1) The arbitration or litigation fees paid by the insured and other necessary and reasonable fees paid with the prior written consent of the insurer (hereinafter referred to as "litigation fees") if the insured is brought to arbitration or litigation due to the insurance accident after the insurance liability accident; (2) Necessary and reasonable expenses (hereinafter referred to as "rescue expenses") paid by the insured to reduce or reduce the liability for personal injury or property loss to a third party after the insurance liability accident.