Como su nombre lo indica esta es una póliza diseñada para cubrir en exceso de otras pólizas que cubren responsabilidad civil de la empresa, como es el caso de la póliza Básica de Responsabilidad Civil de Predios y Operaciones, y la Responsabilidad Civil en la póliza de Vehículos, o la que eventualmente pudiera cubrirse bajo una póliza especializada como por ejemplo Rotura de Maquinarias para Calderas. Esta póliza tiene la ventaja de que al ser una póliza de exceso, esto es, que entra a cubrir cuando se haya agotado la suma asegurada bajo las pólizas básicas, su costo es considerablemente más bajo que las mismas.

Para un programa a su medida de Responsabilidad Civil será necesario suministrar los siguientes datos, para fines de cotización:

  • Describir sus actividades principales
  • Número de empleados
  • Monto nómina anual
  • Monto de ingresos anuales
  • Para hoteles hay que llenar un formulario especial.


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