The development of the risk equation in civil liability insurance policies is the
main issue studied throughout this text along with the rules, jurisprudence and
doctrine to the extent that its discussion entails a number of elements that are
important to insurance companies. Hence, the issue researched along with risk
limitation clauses, the occurrence of the loss, verification thereof, events resulting
in a loss and the definition within the contractual language are topics that
show a difficult panorama when trying to define which is the coverage to be
provided. Are we before risk limiting clauses in a temporal ambit or rather before
harmful rights-limiting clauses? And it’s precisely this issue another very
important moot point because non-defined coverage aspects pose the biggest
dilemmas for insurance companies at the time of covering losses that do not
occur frequently and with respect to which a solution has not yet been devised.