Kletta Turva
Liability insurance
The Kletta Solo Turva, Duo Turva and Care Turva plans include business liability insurance with LähiTapiola. It protects you when your work causes damage to someone else and you are liable by law.
Key facts
- Maximum compensation €1,000,000 per incident
- Deductible €1,000 per incident
- Valid in Europe
- Property you work on covered up to €10,000
For Kletta Turva customers, in partnership with LähiTapiola. The claim form and certificate are in Finnish.
What the insurance covers
The insurance covers damage caused to others in your insured business.
Personal injury
When your work causes injury to another person.
Property damage
When your work damages someone else’s property.
Financial losses
Financial losses directly linked to personal injury or property damage.
Data protection damage
Data protection (GDPR) damage to individuals.
Settling liability
Also working out the liability and its amount, and legal costs if there is a dispute.
Good to know
Liability insurance does not cover, for example, your own work or product (such as repairing or redoing the work), pure financial loss without personal injury or property damage, damage caused by software, or breaches of contract.
This summary is a general extract of the agreement between the policyholder and LähiTapiola and creates no rights for third parties. In the event of a claim, the valid policy, insurance terms and safety instructions apply. The insurance terms and product descriptions are on LähiTapiola’s website at www.lahitapiola.fi/yritys/asiakkaalle/yritysasiakkaiden-materiaalit.
Frequently asked questions about liability insurance
Is liability insurance mandatory for a sole trader?
In most lines of business it isn’t, but it is strongly recommended. A sole trader is personally liable for the business, so damage can fall straight on your own finances.
What does liability insurance usually cover?
Personal injury and property damage caused to others in your business, the financial losses linked to them, and the legal costs of claims.
Does it cover my own mistakes or failed work?
No. It doesn’t cover repairing or redoing your own work or product, or pure financial loss without personal injury or property damage.
Are my own tools covered?
No. Your own tools, equipment and property need separate property or equipment insurance.
Is the insurance valid abroad?
Kletta Turva’s liability insurance is valid in Europe. Work outside the EU or certain lines of business may be excluded.
Questions about Kletta Turva?
Ask in the Kletta chat or book a free 15-minute demo, and we’ll tell you more.
Does it cover a customer’s broken device?
Let’s look at it! Property damage is covered.
