Civil liability insurance is a protection tool for companies, allowing them to transfer liability debt to insurers. It covers various risks, including product liability and operational liability.
Extract
[...] There is another type of immunity, namely legal immunity, with thearticle L121-12 al 3 of the Insurance Code (subrogatory recourse blocked for the listed persons). The same question as for the causes of waiver of recourse has been raised. The immunity enjoyed by these persons extends to their civil liability insurers when they have such a contract. The answer is still no. The legal list is a limiting list, and since the insurer is not on the list, it does not benefit from the immunity. In addition, the reason invoked by the legislator, namely family and social solidarity, does not apply to the insurer. [...]
[...] One can also think of liability for things (the company is responsible for its waste). §2. THE LIABILITY OF THE COMPANY TOWARDS ITS EMPLOYEES A. SUBSTITUTION OF PRINCIPLE OF SOCIAL SECURITY TREASURIES In principle, it's a question one doesn't ask oneself, because in France there is a substitution of principle of social security treasuries, or social security organizations. In the event of a work accident or occupational disease, one is well within the framework of the company's operation, and normally one does not question the company's liability because employees cannot seek the company's liability and here the social security organizations will take charge without the company's liability being able to be sought. [...]
[...] Development Risk: At the time of product distribution, if we transpose to the moment of environmental impact, our current state of scientific and technical knowledge does not allow us to assess the damage. But a few years later, the damage appears. But at the time of impact and distribution, we could not envision the damage. The development risk is first linked to a question of liability: liability for defective products. If in civil liability it is a cause for exemption, we will not raise the question of implementing the civil liability insurance contract. No possibility of mobilizing it. [...]
[...] ORIGIN OF ENVIRONMENTAL LIABILITY In reality, this law is the transposition of a European directive. The idea being that the European Union wanted a uniform legal regime of liability within the European Union to prevent certain operators from choosing to set up in certain countries rather than others, in order to avoid certain environmental standards (avoid the [...]
[...] Environmental associations cannot act in court to seek compensation for environmental damage, everything goes through the prefect. The law has been very little applied. E. MODALITIES FOR REPAIRING ENVIRONMENTAL DAMAGE PROVIDED BY LAW There are modalities for repairing damages that have been provided by the law. We have prevention and repair measures, but the repair measures are described in detail. The repair takes 3 forms. The first form is a primary repair, the repair in kind. The second form it is when the on-site natural resource is irreparably lost, and cannot be restored, then a additional repair. [...]
