HEXA Corretora de Seguros
Civil Liability · Angola

Civil Liability Insurance for Companies in Angola — protection against claims

The policy that protects the company, its directors and its professionals against judicial and extrajudicial claims by third parties. Covers compensation, defence costs and crisis management. HEXA structures the appropriate cover for your sector.

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For which companies it is critical

Recognise yourself in any of these scenarios? This insurance was designed for you.

Law firms, accounting firms, auditors and consultants

Engineering, architecture and design firms

Clinics, hospitals and health professionals

Technology companies and technical service providers

Brokers, agents and financial advisors

Companies contracting with the Public Administration

What it covers

Civil Liability modalities for companies

There are three complementary families — each company needs to assess which apply:

Operations CL — damage to third parties during the activity (clients on site, suppliers at works)

Professional CL — errors, omissions or negligence in technical practice

Products CL — damage caused by products sold or supplied

Employer's CL — aggravation of workplace accidents in case of employer gross negligence

D&O (Directors & Officers) — personal protection of directors and managers

Legal defence costs cover — often the largest component

Crisis management and reputational protection cover

Process

How HEXA sizes

1

Risk profile analysis — sector, contract types, exposure to international clients

2

Recommendation — appropriate combination of CL modalities (operations + professional + D&O)

3

Comparison — proposals from main insurers in Angola and reinsurance market

4

Support — claims management and legal support in proceedings

The HEXA difference

Why HEXA

Sector knowledge — distinct policies for services, engineering, health, finance

Access to international reinsurance for high capitals (>USD 5M)

Technical team for analysis of pre-litigation claims

Structuring of combined programmes (CL + D&O + Cyber)

Frequently asked questions

Civil Liability Insurance for Companies in Angola — your questions

What types of Civil Liability insurance exist for companies?
There are several complementary modalities: Operations CL (damage to third parties during the activity), Professional CL (technical errors), Products CL (damage caused by products sold), Employer's CL (aggravation of workplace accidents due to gross negligence) and D&O (personal protection of directors). HEXA recommends the appropriate combination.
Does my company need Professional CL if it already has Operations CL?
Yes, these are distinct covers. Operations CL covers physical damage to third parties on premises or at works. Professional CL covers damage caused by errors or negligence in technical practice — for example, an engineering design error, a wrong medical diagnosis, or a consulting error. Technical service companies need both.
What is D&O insurance and who should contract it?
D&O (Directors & Officers) personally protects directors and managers against claims arising from decisions made in their role. Without this cover, directors may answer with their personal assets in cases of serious negligence. Critical for large companies, regulated sectors or those with institutional investors.
How to size the insured capital?
The capital should reflect three factors: the size of the company's typical contracts (the maximum probable compensation), international exposure (foreign clients or jurisdictions with higher compensation) and the sector's risk profile. HEXA conducts this analysis technically.
Does the policy cover legal defence costs?
Yes, and this is often the most important component. Even in cases of dismissed claims, lawyer, expert and court costs can easily exceed tens of thousands of dollars. A good policy includes a specific sub-limit for legal defence.

Risk analysis and proposal

Assessment of the company's risk profile and presentation of comparative proposals within five working days.

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