Even if you and your employees take every precaution, an incident can still occur. For example, an employee may damage a customer’s vehicle, or a product you manufactured may be defective and cause damage to its users.
AXA Belgium Civil Liability Insurance protects your business when you are held liable for damage caused to third parties in the course of your professional activities. It allows you to continue your activity with greater peace of mind.
"},"title":"What is Civil Liability Insurance and who is it for?"},{"richBody":{"value":"The insurance contract has a minimum duration of one year. It is automatically renewed each year on the annual expiry date, unless you terminate it at least three months before that date. The premium is calculated according to your needs, taking into account factors such as your activity, the risks involved and the level of coverage chosen.
"},"title":"How long does the contract run and how is the premium determined?"},{"richBody":{"value":"Civil liability insurance can be grouped into five main categories, depending on the nature of your activity and risks.
Operator’s liability
This covers damage caused by your company or your employees to third parties during professional activities, such as damage to property while working at a customer’s premises.
Liability after delivery
This applies if a product you have delivered causes damage after delivery and you are held liable. For example, if an incorrectly installed washing machine causes water damage at a customer’s home.
Objective liability
This insurance is necessary if your business is open to the public. Visitors or customers may hold you liable for injuries suffered on your premises, for instance due to falling goods or an explosion.
Professional liability
This covers the civil liability of service providers such as estate agents, accountants, auditors, doctors, veterinarians, surveyors, legal agents and similar professions.
Ten‑year liability
This insurance is mandatory for professionals in the construction sector, such as architects and contractors, who carry out work on residential buildings with the compulsory involvement of an architect. It covers damage affecting the solidity, stability and watertightness of the building’s structure for a period of ten years.
Certain situations are not covered by this insurance. The main exclusions and limitations include:
Full details are available in the product information document and the general terms and conditions.
"},"title":"What are the main exclusions and limitations?"},{"richBody":{"value":"If you are not entirely satisfied with the distribution of this product, ING’s Complaints Department and the Ombudsman are available to help you. File your complaint here.
If your complaint concerns your AXA Belgium Civil Liability Insurance, you can contact AXA directly at: customer.protection@axa.be. Your complaint will be handled according to the applicable procedures.
"},"title":"What if I have a complaint or I’m not satisfied?"},{"richBody":{"value":"If an accident or damage occurs, you can report your claim online via AXA’s professional platform. If you prefer another method, you can download the claim declaration form, complete it and send it by email to: claims.corporate.property@axa.be For assistance, you can also call +32 2 550 05 55.
If you need legal assistance, download the legal assistance declaration form, complete it and send it by email to: declaration@lar.be
To change your policy, go to AXA’s professional platform or send an email clearly stating the changes you want to make to: portfolio.corporate@axa.be
To terminate your policy, you can submit your request via AXA’s professional platform. Alternatively, you can download the termination form, complete it and send it by email to: portfolio.corporate@axa.be
"},"title":"How do I report a claim or manage my policy?"},{"richBody":{"value":"Before subscribing, you should read the insurance product information document and the general terms and conditions. You can obtain the general terms and conditions at your ING branch.
General information about insurance policies and conflict‑of‑interest rules is available:
The liability insurance is subject to Belgian law. It is offered to you, subject to acceptance, by :
Insurance intermediary ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: www. axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.
"},"title":"Legal information"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Even with the utmost care, an incident can happen. Damage to a customer, a supplier or another third party can quickly lead to claims and financial consequences. AXA Belgium Civil Liability Insurance helps protect your business when you are held liable for damage caused to third parties in the course of your professional activities.","headerImage":{"extension":"png","original":"https://assets.ing.com/m/79dd345718106ea7/original/civil-liability-banner.png","transformBaseUrl":"https://assets.ing.com/transform/e17f288b-23d6-473b-94cb-b4ba4cb8cf9e/civil-liability-banner","type":"image","width":1280},"subtitle":"Protect your business when something goes wrong","title":"Civil Liability Insurance for your business"},"cta":{"componentType":"cta","textLink":{"text":"Already an ING client? Request a call","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not a client yet? Talk to an ING advisor","url":"/en/business/services/contact-us"}}},"publishDate":"2026-05-11T11:46:35.278+02:00"}}