Granice swobody ubezpieczyciela w kształtowaniu zakresu ochrony w ubezpieczeniu odpowiedzialności cywilnej przedsiębiorcy
Limits of Insurers’ Freedom in Shaping Coverage in Liability Insurance for Entrepreneurs

Summary/Abstract: The aim of the present article is to answer a question about the limits of insurers’ freedom inshaping the scope of coverage and exclusions of liability in general terms and conditions ofthe entrepreneur’s liability insurance as well as in individual additional provisions. Due to the highlevel of complexity and lack of clarity of standard contracts currently applied in the insurancemarket, their appropriate denotation and interpretation pose a difficult challenge – especiallyfor the judicature. In an attempt to address this challenge, the authors analyse the potentialcontractual liability of an entrepreneur and show the extent to which it should be covered by civilliability insurance in line with reasonable customer expectations.

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