Civil liability covers any damage you may cause to others in the course of your daily activities and at your place of study (outings, sports, etc.).
With Lovys, it also extends to internships in a professional environment (it is compulsory and will be requested by the establishment) and babysitting in France and abroad.
If you are a medical or paramedical student, the medical civil liability included in your cover also covers you during the first years of your studies when you are on duty, taking care, etc...