{"id":2615,"date":"2023-06-07T17:30:47","date_gmt":"2023-06-07T17:30:47","guid":{"rendered":"https:\/\/joaomarquesseguros.pt\/?page_id=2615"},"modified":"2023-06-28T15:22:31","modified_gmt":"2023-06-28T14:22:31","slug":"responsabilidade-civil","status":"publish","type":"page","link":"https:\/\/staging.joaomarquesseguros.pt\/pt\/solucoes-de-protecao\/responsabilidade-civil\/","title":{"rendered":"Responsabilidade Civil"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2615\" class=\"elementor elementor-2615\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-754246c intro_banner elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"754246c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1111911\" data-id=\"1111911\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fbcb5f elementor-widget__width-auto elementor-widget-tablet__width-auto elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3fbcb5f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Responsabilidade Civil<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f962bae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f962bae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41bedf66\" data-id=\"41bedf66\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33f2b21 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"33f2b21\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Seguros de responsabilidade civil<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4908fdb elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4908fdb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Responsabilidade Civil familiar<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2caeae7 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"2caeae7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Com um seguro Responsabilidade Civil Familiar protege-se a si e \u00e0 sua fam\u00edlia garantindo o pagamento das indemniza\u00e7\u00f5es pelos danos patrimoniais e n\u00e3o patrimoniais causados involuntariamente a terceiros pelos membros do seu agregado familiar, empregados dom\u00e9sticos ao seu servi\u00e7o e animais de companhia (desde que coabitem consigo e n\u00e3o sejam legalmente qualificados como perigosos ou potencialmente perigosos).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae53d9d elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ae53d9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Responsabilidade Civil (Empresarial e ENI\u2019s)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f2f8b6 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"6f2f8b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Com a contrata\u00e7\u00e3o de um seguro de Responsabilidade Civil, diminui o impacto das indeminiza\u00e7\u00f5es por danos a terceiros, transferindo para o segurador parte dessa responsabilidade. Pode facilmente associar, numa \u00fanica ap\u00f3lice, diversos tipos de coberturas de responsabilidade civil, bastando que escolha qual o capital que mais se adequa ao seu n\u00edvel de prote\u00e7\u00e3o.<\/p><p>Ajudamos a refor\u00e7ar a solidez da sua empresa, contribuindo para a sua diferencia\u00e7\u00e3o e maior competitividade.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5cfd2 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c5cfd2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Responsabilidade Civil de Explora\u00e7\u00e3o<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59fe4df elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"59fe4df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Garante os danos causados a terceiros no exerc\u00edcio da sua atividade.<\/p><p>O Seguro de Responsabilidade Civil Explora\u00e7\u00e3o garante o pagamento de:<\/p><ul><li>Indemniza\u00e7\u00f5es exig\u00edveis ao Segurado, pelos danos resultantes das instala\u00e7\u00f5es, opera\u00e7\u00f5es, trabalhos ou atividades desenvolvidas;<\/li><li>Despesas judiciais, custas judiciais e outras despesas directamente relacionadas com a defesa jur\u00eddica da empresa ou a reclama\u00e7\u00e3o a terceiros.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aba9f6 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0aba9f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Responsabilidade Civil Profissional<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237edf1 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"237edf1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Garante os danos causados a terceiros no \u00e2mbito da sua profiss\u00e3o.<\/p><p>Se um cliente acredita ter sido de alguma forma prejudicado por um produto ou servi\u00e7o, pode ponderar uma a\u00e7\u00e3o legal contra a empresa\/pessoa que o forneceu. Num mundo cada vez mais propenso ao lit\u00edgio, os profissionais t\u00eam que se preparar para este tipo de situa\u00e7\u00f5es. Normalmente os custos envolvidos na resolu\u00e7\u00e3o deste tipo de lit\u00edgios podem ser elevados &#8211; desde as taxas legais, honor\u00e1rios com advogados at\u00e9 a eventuais indeminiza\u00e7\u00f5es a favor do queixoso \u2013 e os profissionais v\u00eam os seus neg\u00f3cios seriamente comprometidos. Al\u00e9m destas preocupa\u00e7\u00f5es, \u00e9 importante considerar-se quest\u00f5es como os danos \u00e0 reputa\u00e7\u00e3o.<\/p><p>Este seguro \u00e9 obrigat\u00f3rio para algumas atividades, especialmente para profissionais e profiss\u00f5es liberais, embora fa\u00e7a tamb\u00e9m sentido para outras profiss\u00f5es, em fun\u00e7\u00e3o do risco, da classe profissional e dimens\u00e3o da empresa, damos como exemplo:<\/p><ul><li>Administradores;<\/li><li>Advogados, Consultores jur\u00eddicos, Solicitadores;<\/li><li>Ag\u00eancias de trabalho tempor\u00e1rio;<\/li><li>Arquitetos, engenheiros e empresas de projetos;<\/li><li>Arquitetos, engenheiros e empresas de projetos;<\/li><li>Auditores, T\u00e9cnicos e Revisores de Contas;<\/li><li>Mediadores e agentes de seguros;<\/li><li>M\u00e9dicos;<\/li><li>Meios de comunica\u00e7\u00e3o social e empresas de comunica\u00e7\u00e3o (publica\u00e7\u00e3o, publicidade, televis\u00e3o, r\u00e1dio, etc.);<\/li><li>Empresas de gest\u00e3o ou consultadoria em marketing;<\/li><li>Empresas de inform\u00e1tica, com\u00e9rcio eletr\u00f3nico ou centros de atendimento;<\/li><li>Empresas de presta\u00e7\u00e3o de servi\u00e7os em geral;<\/li><li>Empresas de telecomunica\u00e7\u00f5es;<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-198b0a8 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"198b0a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Responsabilidade Civil Ambiental<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0dcea1 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial custom_bullets_v2 elementor-widget elementor-widget-text-editor\" data-id=\"f0dcea1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As empresas devem encontrar, sempre que poss\u00edvel, formas eficazes de preven\u00e7\u00e3o de danos ambientais e assegurar que possuem os recursos suficientes para a reposi\u00e7\u00e3o, repara\u00e7\u00e3o e mitiga\u00e7\u00e3o em caso de dano ambiental. O seguro de Responsabilidade Ambiental garante a Responsabilidade Administrativa, por Danos Ambientais ou Amea\u00e7a Iminente de Danos resultantes do exerc\u00edcio da sua atividade.\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b<\/p><p>Pode ainda ficar garantida a Responsabilidade Civil por polui\u00e7\u00e3o ou contamina\u00e7\u00e3o e os custos de defesa.<\/p><p>Coberturas Dispon\u00edveis:<\/p><ul><li>Responsabilidade Administrativa por danos ambientais ou amea\u00e7a iminente de danos<\/li><li>Responsabilidade civil por polui\u00e7\u00e3o\/contamina\u00e7\u00e3o<\/li><li>Custos de Defesa<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57b1734 main_product_img_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57b1734\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e0299cd\" data-id=\"e0299cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fba2e9d main_product_img elementor-widget__width-auto elementor-widget-tablet__width-auto elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"fba2e9d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.1 - 09-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1240\" height=\"582\" src=\"https:\/\/staging.joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil.jpg\" class=\"attachment-full size-full wp-image-2659\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/staging.joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil.jpg 1240w, https:\/\/staging.joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil-300x141.jpg 300w, https:\/\/staging.joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil-1024x481.jpg 1024w, https:\/\/staging.joaomarquesseguros.pt\/wp-content\/uploads\/2023\/06\/Image-Produto-Responsabilidade-Civil-768x360.jpg 768w\" sizes=\"(max-width: 1240px) 100vw, 1240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-272cbbc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"272cbbc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-88d7b77\" data-id=\"88d7b77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-81c28b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81c28b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3da0b21\" data-id=\"3da0b21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a3d62f elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"2a3d62f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Entre em contacto<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e261c89 elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e261c89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Preencha os seus dados abaixo e entraremos em contacto consigo assim que poss\u00edvel.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2da7d9b inner_form_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2da7d9b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d9560ad\" data-id=\"d9560ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87b49c5 elementor-widget elementor-widget-shortcode\" data-id=\"87b49c5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2469\" class=\"elementor elementor-2469\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-737a267 form_contacts_section elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"737a267\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8d4a0af\" data-id=\"8d4a0af\" 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