Purpose
In the professional mobility sector, risks go far beyond road circulation. TVDE operators, driver aggregators or companies with their own fleets deal with clients, premises, data, teams and complex processes. SABSEG’s Operational Civil Liability Insurance protects against damages caused to third parties in the exercise of professional activity outside the road context — whether at your premises, during client interactions or in driver management. It is an essential solution for those who want to prevent disputes, claims and financial losses, while safeguarding their reputation and business continuity.
Reasons to Subscribe
Basic Coverages
Operational Civil Liability
Compensation for damages caused to third parties (clients, partners, visitors).
Bodily Injury and Property Damage
e.g., falls at your premises, service incidents, failed deliveries.
Professional Errors & Omissions
e.g., incorrect trip bookings, route or driver management errors.
Legal Defence Costs
Legal fees and court costs.
Judicial or Out-of-Court Compensation
Settlement of agreed or court-imposed amounts.
Optional Coverages
Increased Capital Limits
Higher indemnity limits per claim or annual aggregate.
Extension to Subcontractors
Covers acts of drivers or third-party service providers.
Non-Material Damages
Covers service interruptions, loss of use or reputational harm.
Image and Reputation Protection
Crisis communication, public response and reputation management support.
Target Audience
TVDE operating companies with headquarters or physical office
Sole proprietors interacting directly with clients
Driver aggregators with operational responsibilities
Driver management, triage or intermediary platforms
Any entity that hires, trains or coordinates drivers on behalf of third parties
FAQ's - Frequently Asked Questions
No, but it is highly recommended for any TVDE operator with contact with third parties outside the vehicle (clients, drivers, premises, digital platforms).
No. For that, you must take out TVDE Vehicle Insurance. This policy covers only non-road-related risks.
If you have premises, provide training, or manage bookings/communications with clients, yes — you are exposed to off-road risks.
You may be held liable for third-party actions performed under your name. This policy can cover such scenarios through a specific clause.
Yes. It can be integrated into the “Professional Mobility – TVDE” package, along with vehicle, work accident and personal accident insurance.