Civil Liability and Insurance

The team at Morales & Asoc. comprises professionals with over 25 years of experience in defending the interests of insurance companies, their policyholders, and third parties in the areas of Civil Liability and Insurance Law.

Our work for the insurance sector covers both extrajudicial and judicial actions as required in each case and for each claim.

Lawyers Specialising in Civil Liability

Civil Liability is a core area of law with significant economic and patrimonial implications. Proper assessment of damage and liability is essential for the success of any claim or defence.

At Morales & Asociados, we advise on cases of contractual and non-contractual liability, analysing in detail the circumstances of each case and the applicable legal framework.

Claims for Damages

We provide legal assistance in claiming compensation arising from different types of damages.

Areas of Practice in Civil Liability

Contractual civil liability
Non-contractual civil liability
Property and financial damages
Personal injury
Contract breaches
Professional negligence claims

Our advice covers everything from initial damage assessment to the effective claim of the corresponding compensation.

Services for the Insurance Sector

Major industrial claims (fires, business interruption, etc.)
Professional Liability (architects and other construction professionals, tax advisors, property managers, real estate agents, lawyers, medical negligence, etc.)
Employer liability (workplace accidents)
Criminal liability and Directors & Officers (D&O)
Public administration liability
Traffic accidents
Debt recovery
Legal viability and monitoring reports for effective claims management and reserve allocations by insurance companies, in constant coordination with their claims handlers and in-house legal teams
Drafting and reviewing all types of extrajudicial documents, demands, responses, receipts, balances, and settlements

Defence Against Liability Claims

We also assist individuals and legal entities facing civil liability claims.

Legal Defence of Policyholders or Responsible Parties

Responses to claims
Defence against third-party claims
Advising companies and professionals
Coordination with insurers and brokers

This advice is particularly relevant for businesses and professionals exposed to risks arising from their activities.

Related Area: Corporate and Commercial Law

Judicial Proceedings in Liability and Insurance Matters

When extrajudicial measures prove ineffective, Morales & Asociados takes charge of legal defence before the courts.

Judicial Defence and Claims

Civil proceedings for debt recovery
Civil liability lawsuits
Proceedings arising from insurance contracts
Appeals and enforcement of judgments

Procedural defence is coordinated with our Judicial Proceedings and Court Defence team.

Legal Rigor and Client Interest Protection

Our Civil Liability and Insurance advisory at Morales & Asociados is characterised by:

Thorough case analysis
Realistic assessment of legal viability
Strategies aimed at effective conflict resolution
Direct, confidential, and transparent communication