Insurance EuropeInsurance Europe
Insurability

One size does not fit all for liability insurance

There are currently a diverse range of liability topics being discussed at EU level, including cross-border insurance and emerging technologies.

Liability insurance offers protection against lawsuits and similar claims brought by third parties. Insurance plays an important role in transferring liability risks and ensuring compensation through the swift handling of claims. However, insurance cannot provide unlimited cover or cover for every risk, since it is not possible to calculate the premiums that would be required to insure some risks or to offer unlimited cover for others.

Insurance Europe supports the European Commission’s ongoing efforts to strengthen the EU single market. Nevertheless, it is vital that the Commission recognises that a “one-size-fits-all” approach to liability insurance would be extremely hard to implement. This is due to the legislative, judicial, linguistic and cultural differences between member states.

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Nicolas Jeanmart
Nicolas Jeanmart
Head of personal insurance, general insurance & macroeconomics
Sara MacArthur
Sara MacArthur
Policy advisor, general insurance