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Alliance Broker SPA: “La Polizza professionale è a tutela del cliente”.
“a tutela del cliente, il professionista e' tenuto a stipulare idonea assicurazione per i rischi derivanti dall'esercizio dell'attività professionale. Il professionista deve rendere noti al cliente, al momento dell'assunzione dell'incarico, gli estremi della polizza stipulata per la responsabilità' professionale e il relativo massimale. Le condizioni generali delle polizze assicurative di cui al presente comma possono essere negoziate, in convenzione con i propri iscritti, dai Consigli Nazionali e dagli enti previdenziali dei professionisti;”
Così recita l’art. 3 comma 5 lettera e della legge di conversione 14 settembre 2011 n. 148. La norma recepisce in parte il disegno di legge presentato il 9 gennaio 2011 che poneva obblighi ancora più vincolanti in capo a professionisti e compagnie di assicurazione e rimandava a un decreto del Ministero dello sviluppo economico l’approvazione delle condizioni contrattuali. Questa seconda parte, a parere degli esperti di Alliance Broker, non è stata recepita dal decreto di Agosto riguardante la disciplina delle professioni e, di conseguenza, lascia immutato il quadro normativo nel quale si muovono i contratti di assicurazione oggi offerti dal mercato, in attesa che gli ordini professionali stipulino accordi in convenzione.
Alliance Broker, ritiene che analogamente a quanto è già avvenuto in altri Paesi, e in Italia per gli intermediari assicurativi, passa il concetto che non può esserci rapporto contrattuale con la propria clientela senza che questa non sia “assistita” e tutelata contro errori o negligenze del professionista.
La giurisprudenza nel frattempo ha introdotto nuove fattispecie di danno che superano il tradizionale perimetro dei danni diretti e materiali. Il danno morale, biologico, di relazione, edonistico ecc. si configurano come danni patrimoniali generalmente riconosciuti nell’azione risarcitoria. Ne deriva da una parte l’esigenza di trasferire il rischio in capo ad un operatore in grado di far fronte ad oneri finanziari imponenti (assicuratore), dall’altra la necessità di una revisione dei massimali di garanzia non più congrui.
Il compito del risk manager rc è in primis quello di identificare il livello delle coperture, poi quello di delimitare l’oggetto della garanzia in base all’attività del professionista, tenendo conto che in molti casi questi si trova ad esercitare professioni interdisciplinari.
La polizza di responsabilità civile - secondo Alliance Broker - è una polizza All Risk (tutti i rischi inclusi ad eccezione delle esclusioni) che si attiva se viene dimostrato il nesso di causalità fra la negligenza od omissione del professionista e il danno subito dal terzo. L’eventuale azione di resistenza alla pretesa risarcitoria è parte integrante delle garanzie espresse nel contratto di assicurazione. Attraverso lo strumento della delega, l’assicuratore avoca la difesa in giudizio del proprio cliente fino a che ne abbia interesse. Ad integrazione del livello delle coperture il professionista può acquistare la garanzia accessoria di tutela legale.
Entro il mese di agosto, secondo Alliance Broker, di quest’anno circa 1.300.000 di professionisti dovranno stipulare una polizza di responsabilità civile professionale. Medici, ingegneri, avvocati, commercialisti; ma anche categorie meno conosciute e non altrettanto numerose che ora non sono regolamentate da un ordine professionale. Altri avranno l’esigenza di rivedere le polizze stipulate, adeguando massimali o integrando le garanzie. Un’occasione importante per le migliori professionalità del settore assicurativo.
Alliance Broker SPA – Società di Brokeraggio Assicurativo – Via Fiorignano 29 84091 Battipaglia (SA) – Tel. 0828 679022 . www. alliancebroker.it
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