Commune's Civil Liability in the Aspect of Insurance Risk

Abstract

The issue of civil liability in the municipalities is subject to constant legal fluctuation . Appropriate liability insurance is a hedge against the municipal budget's participation in indemnity obligations. On the other hand it introduces a sense of security amongst citizens from the effects of the unlawful exercise of public authority. The purpose of paper is to present the topic of liability connected with the exercise of public authority by communal self-government. The article analyzes the tasks imposed on the municipality by law concerning communal self-government, tender documentation and the burden of losses in the municipalities surveyed. The case studies refer to selected municipalities of 40 000 inhabitants of the provinces of Malopolska and Lublin . The result of the analysis is shown as a summary of the risks to which they are exposed in respect civil liability. We believe that appropriate insurance limits the financial consequences of the likely risks to a minimum.