L'assurance de responsabilité civile du professionnel en droit italien

Abstract

In this essay, the author examines the main topic of civil liability and insurance cover of professionals, having regard to point out the rules of contractual and extracontractual liability. According to the rules expressed by the civil code, while in the contractual domain professionals are requested to give execution to contracts with good faith and due professional diligence (which is a standard somewhat more strict thon the ordinary diligence), in extra-contractual liability professionals are treated in a lighter way, because they are not liable for light fault : in other terms, they are liable only if they didn't apply due diligence in ordinary cases, while they are exempted in the solution ofhard cases. « Hard » cases are cases so qualified by practice, and normally by other professionals. Insurance contracts, according to the new trend of décisions, trying to appreciate with stricter standards professional's behaviour, are very detailed and ordinarily narrower thon before as to the kind of risks covered.