Professional group liability and legal expenses insurance
What does the insurance cover?
Professional group liability and legal expenses insurance covers loss or damage related to a RKL member’s activities as an employee or civil servant.
The insurance covers individual members of the Union or its associations when they work as construction managers or in an equivalent position, as self-employed or alone in a private business, however, not if operations are ran on a corporate basis or using other persons.
Members who have joined the organisation during the insurance period will be insured from the beginning of their membership.
The insurance covers physical injury and material damage caused to a third party in the insured operations and within the territorial limits of the insurance, in accordance with the insurance terms and conditions. Legal expenses insurance covers any necessary and reasonable legal expenses incurred as a result of resorting to legal counsel in a disputed civil case, criminal case or non-contentious civil case in accordance with the insurance terms and conditions. Liability and legal expenses insurance is valid in the Nordic countries.
Sum insured and deductible
The sum insured under general liability insurance for bodily injury or material damage is EUR 100,000 per loss. The deductible is EUR 100 for each loss event. The sum insured under legal expenses insurance amounts to EUR 10,000 per loss. The deductible is 15% of expenses, but no less than EUR 150 for each loss event.
Instructions in case of damage or loss
If you sustain a loss or damage that is covered by the liability and legal expenses insurance, you should always first contact the RKL office. Contact information: tel. 010 2010 500, email piia.vilen(at)rkl.fi
Organisational insurance
What does the insurance cover?
The organisational insurance covers members of the organisation, student members and employees in organisational duties and at organisational events. Organisational duties include, meetings of the union and associations, training events, summer events and trips. Members are covered by traveller’s and luggage insurance and secondary comprehensive motor vehicle insurance.
Sum insured and deductible
The traveller's and luggage insurance covers medical expenses of a travel illness or accident without maximum monetary limit. A travel illness is covered for a maximum of 120 days from the start of treatment and a maximum of three years from the accident. The maximum compensation for permanent disability is EUR 10,000 and EUR 2,000 for death benefit. The maximum compensation for luggage is EUR 2,000 and the deductible is EUR 50. Money is indemnified up to EUR 200.
The maximum compensation under the travel liability insurance is EUR 170,000 and the deductible is EUR 50. The maximum compensation for a travel legal expenses loss event is EUR 8,500 and the deductible is 15%, but no less than EUR 168.
Instructions in case of damage or loss
In the event of damage or loss, you should always contact the event organiser.
