PROTECT YOUR BUSINESS FROM UNINTENTIONAL DAMAGE


BUSINESS CONTINUES, BUT THE RISK DOESN'T STOP


Running a business involves managing people, facilities, and operations. General liability insurance protects the company when, in the normal course of its business, unintentional damage is caused to third parties.

For those who can't afford to wait


Financial Protection for the Company

Prevents high compensation payments from jeopardizing the business.

Coverage for everyday accidents

Situations that occurred during the normal course of business.

Protection for customers, visitors, and suppliers

Damage unintentionally caused to third parties.

Suitable for various industries

Retail, services, manufacturing, restaurants, offices, and others.

Strengthening the company's credibility

Demonstrates responsibility and professionalism.

Supplement to other business insurance policies

It is part of a comprehensive protection strategy.

What does the insurance cover?


Personal injury to third parties

Physical injuries caused unintentionally in the course of work.

Property damage to third parties

Damage caused to third-party property during the course of business operations.

Liability Arising from the Facilities

Accidents related to the location where the activity is carried out.

Liability for Employees' Actions

Damages caused by employees in the course of their duties.

Legal Defense Costs and Claims

Assistance with expenses related to legal defense and claims for compensation.

Additional coverage

Option to include additional coverage based on the risk associated with the activity.

Applicable Terms and Conditions

The actual coverage depends on the terms of the policy and may vary depending on the plan selected.

background overlay

HOW DO YOU WANT TO PROTECT YOUR BUSINESS OPERATIONS?

Business liability insurance is tailored to the type of business, the facilities, and interactions with third parties, supporting the company’s day-to-day operations.

How can we help?

product-sec-6-icon-1

Dedicated Consultant

You'll have an exclusive dedicated consultant to assist you and answer any questions you may have at anytime.
product-sec-6-icon-2

Assessment

We go through the best solutions available from our partner insurance companies.
product-sec-6-icon-3

Insurance Quote

We'll send you a detailed quote with the most advantageous and suitable options.
product-sec-6-icon-4

Subscription

We help you through the entire process, from start to finish.

THE STARS SPEAK FOR THEMSELVES.
AND OUR CUSTOMERS SPEAK FOR US.

Ana Rita Fernandes

I would like to take this opportunity to express my appreciation for the professionalism and quality of service provided by your employee, Carla Aires.

I would like to highlight your responsiveness, efficiency, and clear communication, which contributed to a very positive experience.

Best regards
Ana Rita Fernandes

Victor Sambo

very good

Ernesto Dias

An extremely competent professional. I switched my home insurance without having to worry about the red tape involved. I’m satisfied not only because I was able to significantly lower my insurance premium, but also because of the professionalism, care, and competence shown in guiding me through the entire process.
I highly recommend Mr. Klycharlles Barners.

Carla Bom

I’m giving a 10-star recommendation for the service I’ve received from Klycharlles Barners and EXS SEGUROS. I’ve been a client for several years, with various types of insurance policies, and I’ll continue to purchase all my insurance through him. He is a highly competent professional who is always available, demonstrates deep knowledge of the insurance field, consistently presents the solutions best suited to the client’s needs, and, above all, inspires confidence in the service he provides. I highly recommend him!!!

Hugo Conceição

Klycharlles Barners 5*

Carla Santos

I highly recommend the services of EXS Seguros. They are extremely competent and dedicated professionals who are always available to answer any questions. They demonstrate a deep understanding of the insurance industry and consistently provide solutions best suited to the client’s needs. Their ethical approach and professionalism inspire confidence and reassurance. Without a doubt, an excellent insurance agent.

Jorge Silva

Kly is an excellent professional—someone who, within the company, followed up on my cases (mine and my wife’s) and went from being an employee to a friend, even though we’ve only ever spoken on the phone. I highly recommend him, as he is competent, trustworthy, and reliable—qualities that are hard to find these days. Congratulations to the company for having a professional like him.

Nuno Gomes

I’ve been a client of the company for almost 3 years, and I’ve always worked with Clycharlles Barners to handle my needs. The support provided has been excellent. Clycharlles has always demonstrated great professionalism, competence, and complete transparency in all the information provided. He is clear, approachable, and inspires confidence. I am very satisfied with the service provided. Keep up the good work.

Rafael Castro

Highly recommended. Awesome service, efficient and clear communication, and the best prices. Andreia Jacques was our dedicated agent, and we couldn’t be happier with her service. She made us feel like we were her only client and her top priority.

Gustavo Gonçalves

I recently had the pleasure of working with Klycharlles Barners at EXS on my personal insurance, and I can’t recommend him highly enough. Thank you, Charles.

Find the answers to your questions


What is civil liability for business operations?
It is the company's liability for damages unintentionally caused to third parties during the normal course of its business.
Is this insurance mandatory?
It depends on the industry. In many cases, it is not required, but it is strongly recommended.
Does it cover accidents involving customers on the premises?
Yes—when they result from involuntary situations related to the conduct of the business.
Does this insurance cover products or services?
Not necessarily. Liability for products or services is generally covered under specific policies.

Get a quick quote!
No commitment required.

Please enable JavaScript in your browser to complete this form.
Communications