Any individual, company or self-employed person could cause unintentional damage to third parties. The consequences could involve criminal (if the act is a crime) and/or civil legal action.
Parents are liable for damages caused by their children. Companies or the self-employed are responsible for damages caused by the actions of their employees. Drivers have to cover the damages caused by accidents they provoke.
A CR (Civil Responsibility) policy is MANDATORY for many activities because the loss and damage they can cause are unforeseeable. Repairing a vehicle after an accident is very different from facing liability for personal injuries or even the death of a person.
For these reasons you should protect your assets properly, because if you do not have CR coverage, you will have to pay out of your own pocket.