On a construction site it's the builder who is always liable for damage to any uninvolved persons. It's irrelevant whether a tradesman caused the damage or if guilt is attached to anyone.
If your company has building insurance with AXA, only construction amounts from CHF 100,000 need be insured. Your building insurance already covers you up to this amount. Check for which building and up to which construction amount your personal liability insurance will compensate you for damage in connection with your construction project.
As you have taken out builder's liability insurance from AXA, you automatically benefit from passive legal protection. This means that AXA checks all claims on your behalf and rejects claims that are unsubstantiated or excessive.
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