# Professional liability insurance

If things are damaged or someone else is injured during the execution of your order, our **professional liability insurance** is liable.

Orders carried out outside of Smart are NOT covered by the insurance. For this purpose, we recommend extra business liability insurance for part-time self-employed activities.

The cooperative **does not have event insurance**. If you organize an event, you must take care of the extra insurance.

##### Membership of professional associations for certain occupational groups  


Smart is part of the [**Berufsgenossenschaft VBG**](https://www.vbg.de/) as a "mixed group": all occupational groups mentioned in the cooperative's statutes are covered. If there is a compulsory membership in another trade association for your activity, please let us know.

<p class="callout info">Please note: Some activities might not be covered by the liability insurance, e.g services of higher risk or some services provided abroad. Please contact Smart in case of questions.</p>

##### In the event of damage, please contact us immediately in writing and describe the following points:

<table border="1" id="bkmrk-who-caused-the-damag" style="border-collapse: collapse; width: 97.4074%; height: 144.85px;"><colgroup><col style="width: 100%;"></col></colgroup><tbody><tr style="height: 144.85px;"><td style="height: 144.85px;">- Who caused the damage?
- When and where did the damage occur (exact address, date and time)?
- Who was damaged?
- What damage was caused?
- Was the damage recorded by the police?
- Are there any witnesses to the damage?
- Is the damage documented with pictures?

</td></tr></tbody></table>