Special Insurance - Swimming Pools
This personal accident insurance will ensure the protection of condominium owners and visitors while using the pool.
And if there isn't, isn't condominium insurance enough?
Condominium insurance includes civil liability coverage in the condominium insurance policy, which guarantees non-contractual civil liability, legally attributable to condominium owners, as owners, for property damage and/or non-property damage exclusively related to these corporations and/or materials caused to third parties to the Condominium.
In addition, if the pool is for public use, insurance is mandatory.
Here is an example from Allianz for a pool with 20 people:
Special Insurance - Playgrounds
What is the applicable legislation?
Decree-Law No. 203/2015, of September 17, approves the regulations that exist as safety conditions to be observed in the design and allocation of playgrounds, play and recreation areas, as well as equipment and impact surfaces.
Who is this insurance intended for?
To the entity responsible for the playground/play area or recreation area.
The entity responsible for the play area and recreation area is understood to be the natural or legal person governed by public or private law that ensures the regular operation of the play area and recreation area, and is responsible, in particular, for organizing, maintaining, and protecting the operation of the area and its equipment, in accordance with applicable standards.
What does playground liability insurance cover?
This insurance covers civil liability arising from bodily injury and property damage suffered by users of play and recreation areas due to poor installation and maintenance, and surveillance of play and recreation areas, their equipment, impact surfaces, and street furniture.
What is not included in playground liability insurance?
The following damages, among others, are not covered:
1) Arising from professional civil liability;
2) Caused to own spaces, facilities, and sports equipment;
3) Caused to users, among themselves;
4) Arising from failure to comply with legal or regulatory standards, the proper use of the activity, as well as failure to adopt the recommended safety measures;
5) Arising from theft or robbery. A complete list of exclusions can be found in the General Conditions of the insurance contract.
Example of insurance premiums:
If a condominium shares a playground, is one insurance policy sufficient, or is one required for each condominium?
In this case, one policy is sufficient for this park, which must indicate which condominiums are covered.
Special Insurance – Civil Liability for Elevators
– Allows a condominium to safeguard against damage caused by the elevator;
– Building insurance usually includes this damage in its civil liability coverage, but be careful with the capital;
– Cheap insurance, capital starting at €100,000.
Example of Fidelidade insurance:
