III.- COMPULSORY INSURANCES REQUIRED BY RULES OF AUTONOMOUS RANGE.  

(i) VOLUNTARY WORK – Law 4/2018, of May 8th of Andalusia on Voluntary Work.

The objective of the Andalusian Law on Voluntary Work is to promote and facilitate citizen participation in voluntary work programs developed through entities in the territory of the Autonomous Community of Andalusia. Under this Law voluntary work must have the following characteristics:

  1. Charity character.
  2. Free and voluntary.
  3. Without economic or material compensation.
  4. Developed through volunteer organizations in accordance with specific programs.     

The entities that develop voluntary action programs must contract insurance policies appropriate to the characteristics of the activities performed by the volunteers, covering accidents, illness and civil liability for damages caused to third parties.

(ii) TOURISM ACTIVITIES – Law 15/2018 of June 7th, on Tourism, Leisure and Hospitality of the Valencian Community.

The Law of Tourism, Leisure and Hospitality of the Valencian Community is applicable to natural persons and legal entities who develop in the territory of the Community the following tourism activities and services:

  1. Accommodation.
  2. Organization, intermediation and commercialization of tourism products.
  3. Organization, provision or realization of active tourism services.
  4. Restaurant / catering services.
  5. Entertainment, health, therapeutic, sports, occupational, cultural, congress, academic and any activities that involve leisure and entertainment, as well as other complementary services when offered for tourism purposes, or may entail such purposes.
  6. Dissemination, advice and information on resources and historical, artistic, cultural or any other expression with tourism relevance regarding the Valencian Community.
  7. Official tourist guide and tourist intermediary.

The persons who carry out these tourist activities or services must purchase a civil liability insurance, or other equivalent guarantee, to cover the damages that may be caused to third parties. The minimum coverages, economic limits per year, etc. will be fixed by future Regulation.

(iii) STREET SELLING – Law 8/2018, of October 23, on Street Selling of Extremadura.

The Law on Street Selling of Extremadura establishes that street sales activities that take place in the territory of the Autonomous Community of Extremadura can only be carried out with the prior authorization of the corresponding municipal authority.

This Law authorizes to the municipalities of Extremadura to require through the corresponding Local Regulation the purchase of a civil liability insurance before granting the above referred authorization.

(iv) PORTS – Law 6/2017, of December 12, of the Ports of Galicia.

The Law of Ports of Galicia establishes the port organization of Galicia together with the legal regime of regional ports and port facilities. These ports and facilities are the seaports located in the Autonomous Community of Galicia that have not been classified as general interest, marinas and port areas for nautical-sports use, etc.

In accordance with the Ports of Galicia Law, the public entity Puertos de Galicia may require for the granting of authorizations and concessions the contracting of civil liability insurance policies to cover all types of liabilities that may arise from the exercise of the authorized activity. The criteria for establishing the limits of the policies, depending on the type of activity and the risk inherent in it, will be approved by Puertos de Galicia following criteria of proportionality.

(v) COMPANION ANIMALS – Law 6/2017, of November 8th, on the Protection and Defence of Companion Animals of the Region of Murcia.

The Law of Protection and Defence of Companion Animals establishes the regime of protection, welfare and possession of companion animals in the territorial area of the Region of Murcia, meaning companion animals such as pets that people usually keep at home for basic company, leisure, educational or social purposes.

The aforementioned Law must contract civil liability insurance in those cases that will be determined by future Regulation.

(vi) SPORTS – Law 8/2018, of March 26th, which Regulates the Sports Professions of the Region of Murcia.

This Law regulates the essential aspects of the exercise of certain sports professions and physical and sports activities that are carried out within the territory of the Autonomous Community of Murcia.

The following physical and sports activities falls within the scope of this Law:

  1. Sports Monitor
  2. Sports Coach.
  3. Physical Trainer.
  4. Sports Director.
  5. Sports lifeguard.
  6. Professor of Physical Education.

The aforementioned Law establishes that the exercise of these professions will require the appropriate professional civil liability insurance or equivalent financial guarantee that covers the damages caused to third parties. The minimum coverages, economic limits per year, etc. will be fixed by future Regulation.