The reasoning behind the law is quite straightforward: operators of a place accessible to the public are in any case (objectively) liable for damage third parties suffer as a result of a fire or an explosion. Victims should not have to wait indefinitely for their compensation. The same applies in the event of legal disputes.
In order to avoid you alone having to bear these costs and to guarantee that the damage suffered is actually compensated for, you are obliged to take out no-fault liability insurance for fire and explosion. You will then be issued with an insurance certificate. If you do not have this certificate the municipal authority is entitled to close down your business.
This insurance applies in particular to:
- Car dealers
- Concession holders
- Sports halls
- Retail outlets whose sales areas and adjoining storage space cover an area of at least 1000 m2
- Shopping malls
- Amusement parks
- Rest homes
- School establishments