The most demanded service today is third party liability insurance. Since many types of activities are associated with the likelihood of quite serious financial losses. The insurance of the considered type allows to compensate them.

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What it is

Civil liability insurance today is one of the types of insurance, in the implementation of which the object is liability to third parties for the damage caused.

It is most advisable to insure liability of the type in question:

• owners of cars, motorcycles or other Vehicle;
• property owners - residential, warehouse or other;
• organizers of mass events - concerts and other similar ones;
• owners of all kinds of trade organizations;
• persons conducting private professional practice.

Civil liability insurance allows you to minimize losses arising from the occurrence of an event provided for by the current insurance contract.

The greatest damage is usually caused by construction and repair work: digging trenches, reconstruction and other similar actions often damage all kinds of communications.

Also, as a result of such activities, the building can be seriously damaged. Having an insurance policy makes it possible to avoid financial losses.

Quite often, a civil liability agreement is concluded by the owners of various animals: dogs, cats, etc. Since even trained and well-bred animals can sometimes unwittingly harm property or even health.

Also, civil liability insurance includes compulsory insurance vehicle owners. This service is covered in as much detail as possible by the current legislation.

Since the likelihood of damage to third parties as a result of a road accident is quite high.

Much less common is the civil liability insurance service for organizers of public events, such as concerts.

Despite this, many organizers of such events are trying to protect themselves from all kinds of financial risks... That is why more and more companies provide this type of service.

Conditions

The conditions of civil liability insurance, regardless of the type, are fixed at the legislative level.

Insurance conditions include the following main sections:

• the conditions under which insurance coverage is provided;
• insurance scheme;
• rules and important points regarding the procedure for transferring the rights of the policyholder after the payment of insurance compensation;
• procedure for payment of insurance compensation;
• grounds for refusal to make compensation payments;
• the duration of the insurance contract.

The section covering the conditions for providing insurance coverage discusses the most important points. They relate to the limits of liability within which the insurance contract is valid.

When concluding a contract, it is especially important to familiarize yourself with this point as carefully as possible. Since most often it is his insurance companies that are used in order to somehow elude the obligation to pay insurance compensation.

An insurance scheme is usually understood as the procedure for concluding insurance contract, as well as a scheme for obtaining monetary compensation by the injured party.

This paragraph reads out all the information regarding cases where an agreement is possible, and a list of actions that must be taken to obtain monetary compensation.

Each contract for the provision of civil liability insurance contains a clause regarding the change in the transfer of rights to claim monetary compensation.

So, upon the occurrence of an insured event, the culprit of which is a third party, the insurance company receives the right to claim monetary compensation. In some cases, another insurance company acts as a defendant.

This happens especially often when a traffic accident occurs. Insurance Company the culprit becomes a defendant against the innocent driver's insurance company.

The section entitled "Procedure for the payment of insurance compensation" contains all the information regarding the timing of the payment of compensation, as well as its size.

This moment of insurance conditions is especially strictly regulated by law. For violation of the deadlines for the payment of monetary compensation, a rather serious fine is imposed. V this section the procedure for the policyholder's actions in the event of an insured event is announced.

The person concluding the insurance contract should carefully read the section in which the cases are announced when the insurance company has the right to refuse to pay insurance compensation.

If a relevant precedent arises, even in the event of an insured event, compensation will simply not be paid.

When concluding a civil liability insurance contract, it is imperative to select the term of the agreement with a certain margin of time. Since in the event of its expiration, it becomes impossible to receive insurance payments.

What accidents can be

Insured events are very different. Their typology depends, first of all, on the objects and subjects of insurance, stipulated in the concluded agreement.

For example, when insuring motor third party liability, insured events include:

• damage to property of third parties;
• damage to health;
• harming life.

There are many important nuances in this type of insurance. All of them should be taken into account without fail in order to avoid litigation in court. Third party liability insurance for vehicle drivers is strictly compulsory.

The list of insurance risks associated with real estate is quite extensive. It includes the following:

• damage to the property of third parties as a result of the operation of the building or utilities;
• damage caused by the repair or construction of buildings.

Third party liability insurance in construction

Due to the specifics of such activities as construction, third party liability insurance is simply a must. Otherwise, the likelihood of serious material expenditures is high.

Insurance coverage of the type in question comes into force if the policyholder is presented with claims by third parties, declared in accordance with the norms of the civil legislation of the Russian Federation.

Federal law governing compensation for harm caused as a result of any activity directly on the construction site or outside it, which entailed:

• harm to life or health (disability, injury, death);
• serious damage to property (complete destruction of the vehicle, buildings, animals or even buildings).

Also, the insurer is obliged to pay the costs incurred as a result of the litigation. The amount of insurance compensation in the event of an insured event is determined in accordance with the Civil Code of the Russian Federation.

Also, the determination of the amount of monetary compensation may be left to the discretion of the parties. Most often, the required amount is the funds required to fully compensate for the damage received: treatment, restoration work, and others.

Acting on the territory Russian Federation legislation implies liability for harm due to poor quality and improperly performed work.

This moment is covered in maximum detail in Federal Law No. 315 "On Self-Regulatory Organizations", as well as Federal Law No. 148 "On Amendments to the Urban Planning Code of the Russian Federation."

This case is covered by third party liability insurance. In the event of damage, the UK assumes all financial responsibility up to the agreed amount.

The insured in this case is a legal entity or any legally capable individual, who has the right to conclude a civil liability insurance contract, and is responsible for improper performance of construction work.

The property interests of the insured act as the object of civil liability insurance to third parties.

An important condition is the absence of contradictions between the very interests of the legislation in force on the territory of the Russian Federation.

The disadvantages that are the cause of the insured event include:

• unintentional mistakes made as a result of construction work, major repairs, which are the result of violation of instructions formulated for the implementation of work of a certain kind;
• mistakes and rash actions resulting from violation of the rules for conducting construction work.

The sum insured may be established by agreement of the parties who have entered into the relevant contract. It is only important to take into account the current legislation on the territory of the Russian Federation. It is also important to remember the requirements set by the self-regulatory organization.

Price

Today, most insurance companies set their own rates for the provision of third party liability insurance services.

In most cases, the following conditions apply:

Tariff table:

Duration of the agreement, months	Coefficient to the basic insurance rate	The amount of the insurance premium, million rubles
1	0.2	6
2	0.3	9
3	0.4	1.2
4	0.5	1.5
5	0.6	1.8
6	0.7	2.1
7	0.75	2.25
8	0.8	2.4
9	0.85	2.55
10	0.9	2.7
11	0.95	2.85
12	1	3

The amount of the insurance premium in other cases depends not only on the duration of the contract, but also on the specifics of the activity, region and many other factors.

All this an employee of the insurance company will necessarily take into account when calculating the cost of civil liability insurance services.

The most expensive is the insurance contract for the integrity of cargo transported by sea. The least expensive is third party liability insurance.

1. Are apartments in new buildings accepted for insurance?

   Yes, we do not set a minimum house age for liability insurance. Apartments in new buildings are accepted for insurance on general terms.

2. In my apartment, the repairs are done by civilian workers, not by a firm. Can you take on civil liability insurance for the duration of such a repair?

   Yes, it doesn't matter who exactly repairs the apartment: you yourself, hired workers or a licensed organization. The cost of the policy does not depend on the qualifications of the builders.

3. Who will be reimbursed for my liability insurance: me or the affected neighbors?

   In case of civil liability insurance, the insurance indemnity is paid directly to the third injured party.

4. If I poured the neighbor downstairs, should he file a lawsuit against me so that the insurer considers the insured event to be valid?

   No, it should not: in most cases, everything is decided in pre-trial order, upon the fact of an event that has occurred and upon admission of the insured person's guilt at the level of the general house administration / independent expert.

5. Does it matter what exactly I fill my neighbors with (for example, some insurers only take into account liquid from water-carrying systems)?

   No, in terms of civil liability, we will indemnify for any damage you unintentionally caused to third parties. It can be associated with the operation of any property located in the insurance territory (for example, a flood of neighbors can occur as a result of your defrosting the refrigerator or leaking paint containers stored in the apartment).

6. How long to wait for payment?

   15 working days from the date of receipt of the last of the documents for the loss.

7. I want to buy a policy as a gift to a friend, but I have nothing to do with the insurance object itself. Is it possible?

   Oh sure. To buy an insurance contract, it is not necessary to be the owner or have any relation to the insurance object.

8. Is liability for the actions of a pet only valid in my apartment?

   No, the territory of insurance for this option is the entire territory of the Russian Federation (that is, your liability for the actions of the animal will be insured both while walking in the local area and while traveling in Russia).

9. If I inadvertently violated some operating rules, for example, I overloaded the network with electrical appliances, and as a result of a voltage drop in the network of an apartment building, electrical appliances in all neighbors are out of order - is this also an insured event?

   Yes, in terms of civil liability, the case is insured. The payment of insurance compensation will be made to all who applied, in proportion to the amount of damage to the liability limit provided for by the insurance contract.

10. I have made a redevelopment in the apartment, but have not registered it yet - under what conditions can I now insure civil liability?

    We do not require that the redevelopment must be registered if it does not affect the load-bearing structures of the building.
    Changes such as combining rooms, arranging openings in non-bearing partitions and similar transformations are accepted for insurance upon availability, without increasing the cost of the insurance contract and additional documents.
    Changes affecting water-bearing systems (transfer / reinstallation / repair of radiators, bathtubs, plumbing, etc.) are considered as a factor influencing the degree of risk only if they are made during the period of the insurance contract.

Refund limit

The maximum amount of insurance indemnity payments established in the insurance contract for the entire duration of the insurance, after which the insurance contract is terminated.

Insurance premium

Insurance fee to be paid by the policyholder or his representative.

Insurance risk

The anticipated event, in the event of the occurrence of which an insurance contract is concluded.

Insurance case

An accomplished event from among those stipulated by the insurance contract and entailing the obligation of the insurer to pay insurance compensation.

Sum insured

The amount of money determined by the insurance contract, on the basis of which the amount of the insurance premium (insurance premiums) and the amount of insurance payment in the event of an insured event are established. When insuring property, the insured amount can be set equal to or lower than its insured value.

Insurance compensation

The amount received by the person in whose favor the insurance contract was concluded, or his legal representative upon the occurrence of an insured event.

Monetary losses of the person in whose favor the insurance contract was concluded, as a result of the occurrence of an insured event.

Insurance claim form

When insuring property, a monetary form of compensation is provided (payment is made in rubles to the current account of the person in whose favor the insurance contract was concluded).

Franchise

The part of the damage determined by the contract that is not subject to compensation by the insurer, established as a percentage of the insured amount or in fixed monetary terms.

Insurer

Insurance organization established in accordance with the legislation of the Russian Federation to carry out insurance activities and received a license to carry out the relevant type of insurance activities in the manner prescribed by law.

Insurance contract

An insurance contract is understood as an agreement between the policyholder and the insurer, according to which the insurer for a fee specified in the contract ( insurance premium) upon the occurrence of an event provided for in the contract (insured event) undertakes to reimburse the person in whose favor the insurance contract was concluded, within the limits of the insured amount determined by the contract, the damage caused as a result of this event in the amount (limitation) and in the manner determined by the rules and / or the insurance contract. An insurance contract is a combination of an insurance policy and the text of the insurance rules on the basis of which it was concluded, as well as annexes to insurance policy(if available).

Insurance rules

Insurance conditions defining the rights and obligations of the parties under the insurance contract, the insurance object, the list of insured events and the exceptions under which the insurer is released from liability. The text of the insurance rules is an integral part of the insurance contract.

The insured

A legal or capable individual who enters into an insurance contract for his own benefit or for the benefit of a third party (beneficiary) and pays insurance premiums under such an agreement. The conclusion of an insurance contract in favor of the policyholder is possible only if the policyholder has an interest based on the law, other legal act or contract in the preservation of the insured property. When concluding an insurance contract in favor of the beneficiary, the policyholder may not have a property interest.

Insured person

In terms of civil liability insurance: a person whose responsibility for causing harm to the life, health or property of individuals, property of legal entities, municipalities, constituent entities of the Russian Federation or the Russian Federation is insured under an insurance contract.

Beneficiary

A natural or legal person appointed by the policyholder who has an interest based on the law, other legal act or contract in preserving the insured property (property interest), in whose favor the insurance contract has been concluded.

Insurance term

The duration of the insurance contract, as a rule, coincides with the duration of the insurance contract.

Contract time

The time during which the insurer's insurance liability is valid, as a rule, coincides with the insurance period.

Territory of insurance

The territory (country, region, route, etc.) defined in the insurance contract, within which an insured event occurred during the validity period of the insurance contract entails the insurer's obligations to pay insurance compensation. For objects of property and civil liability, the territory of insurance is the address of the location of the property; for insurance of civil liability for actions of animals, the territory of insurance is the territory of the Russian Federation.

Incomplete proportional insurance

The condition of incomplete proportional insurance means that the insured amount specified in the contract is lower than the insured value of the property and the insurance indemnity is paid in the same proportion to the amount of damage in which the insured amount was related to the insured value.

Incomplete insurance

The condition of incomplete insurance means that the sum insured specified in the contract is lower than the insured value of the property. In this case, the payment of insurance compensation can be made both taking into account the ratio of the insured amount to the insured value (incomplete proportional insurance), and without taking into account this ratio (incomplete disproportionate insurance).

Full insurance

The condition of full insurance means that the insured amount specified in the contract is equal to the insured value of the property

Incomplete disproportionate

The condition of incomplete disproportionate insurance means that the insured amount specified in the contract is lower than the insured value of the property and the insurance indemnity is paid without taking into account the proportion in which the insured amount was related to the insured value.

A gradual decrease in the initial value of the property in the process of its use.

Compensation system

The compensation system means the procedure for accounting for wear and tear on replacement materials / parts in case of partial damage to property: the "New for the old" compensation system assumes that no wear is charged on replacement materials / parts for partial damage (payment is equal to the cost of new parts), the "Old for the old "assumes that for the replaced materials / parts in case of partial damage, depreciation is charged during the operation of the damaged property (payment is equal to the cost of new parts minus wear for the period of operation)

System bonus

The system of rewarding our clients. Bonus - a discount that you receive when renewing your policy, if you have not had any losses.

Insurable value

The actual, actual value of the property for insurance purposes. To determine the insured value, various methods of economic assessment are used, as a rule, when insuring suburban real estate, finishing and engineering equipment, the insured value is equal to the replacement value (including depreciation), and when insuring movable property, structural elements of apartments / townhouses - to the market (minus wear and tear).

To calculate the cost of civil liability insurance for causing harm to third parties, you can fill out a questionnaire and send it to your e-mail: [email protected] site.

The Agency's specialists will contact you and provide insurance options, calculations and rates.

Today, the most effective and reliable method of protecting property interests associated with compensation for damage to third parties is third party liability insurance.

The policyholder can be both a legal entity and an individual.

Liability insurance for damage caused by legal entities

Doing any business involves certain risks associated with causing damage or harm to third parties... Therefore, it is quite logical that responsible and pragmatic leaders strive to minimize the unforeseen costs associated with these situations. The reasons for the emergence of insurance risks can be a variety of situations associated with improper performance by employees or managers of their duties, with non-fulfillment of obligations to counterparties, with loss of property, etc.

In accordance with the legislation of the Russian Federation and internal insurance rules, insurers enter into contracts voluntary insurance civil liability with legal entities and individuals to protect their interests in connection with the possibility of civil liability in accordance with applicable law. The protection extends both to the general business activities of the policyholder, if he is an individual, and to the professional or entrepreneurial activity specified in the insurance contract (“insured activity”).

Unless otherwise provided by the legal liability insurance contract, the insured activity for policyholders (insured persons) - legal entities and individual entrepreneurs includes, in addition to the actions specified in its description in the insurance contract, the possession, use, disposal of movable and immovable property necessary for the implementation of such actions , including the fulfillment of obligations for the maintenance and operation of such property, current economic activities.

The harm caused by the employee of the policyholder in the performance of official duties is considered to be caused within the framework of the policyholder's insured activity, only if the employee's action (inaction), which led to the harm, was committed directly in connection with the insured activity.

Under a legal liability insurance contract, the activities listed below cannot be considered as part of the insured activity. Nevertheless, the liability of persons carrying out such activities in connection with the operation, possession, use, disposal of property, current economic activities, can be insured:

1. provision of consulting, accounting, expert, financial services, insurance and other financial intermediaries, and other intermediary services;
2. carrying out banking, credit, and other operations with in cash, securities; management of securities and (or) monetary funds, the activities of depositories and registrars;
3. implementation, activities;
4. market activity valuable papers;
5. performance ;
6. possession, use, disposal of vehicles, if liability insurance in connection with such possession, use, disposal, operation is mandatory by law;
7. implementation.

Insurance object according to general rules are the property interests of the policyholder and / or the insured person, which do not contradict the legislation of the Russian Federation, associated with the obligation to compensate for harm caused to the life, health and property of third parties (beneficiaries) and / or, if this is separately provided by the insurance contract, the natural environment in implementation of insured activities.

Insurance risk is the expected event, in the event of the occurrence of which the insurance is carried out. An event considered as an insurance risk must have signs of the likelihood and randomness of its occurrence.

• The insurance risk, according to general rules, is the alleged occurrence of the policyholder's liability as a result of accidental harm to the life, health, property of Third parties (beneficiaries) in connection with the implementation of the insured activity by the policyholder.

1. An insured event is an event that has occurred, provided for by the insurance contract, with the onset of which the insurer becomes obliged to make insurance payment to a third party (beneficiary).
2. Several events that can subsequently be qualified as an insured event, occurring for the same reason, are considered as one insured event, regardless of the number of claims / claims and the number of injured third parties. The date of occurrence of the serial insured event / insured event will be the date of the first insured event / insured event.
3. Under insurance contracts, an insured event may be one of the following events provided for by the insurance contract:

a) Causing, during the insurance period, damage to life, health, property of third parties (beneficiaries) as a result of the policyholder (insured person) of the insured activity, entailing the onset of the obligation of the policyholder (insured person) to compensate for such damage. The fact of causing damage is recognized as an insured event only if there is a corresponding claim for compensation for damage presented by a third party (beneficiary).
b) Submission during the insurance period to the insured of a claim for compensation for damage caused to life, health, property of third parties (beneficiaries) as a result of the insured (insured person) of the insured activity, provided that the claim (claims) for compensation for the damage caused was first presented no later than the end of the insurance period, or, if the insurance contract provides for an extended period, no later than the end of the extended period specified in the insurance contract.

The claim is considered to be first filed, regardless of the timing of subsequent legal procedures related to compensation for damage, at the time when the policyholder or the insurer first received a written notice of the presentation of the claim to the person who received such notice (the earlier moment of time is taken into account).

Insurance indemnity amount is calculated in accordance with the terms of the insurance contract in force at the time of the first submission of the claim for compensation.

In order to determine the moment of occurrence of an insured event, a claim submitted for the first time during the extended period shall be deemed to have been submitted on the last day of the insurance period.

Retroactive date- the date specified in the insurance contract. May be earlier than the start date of the insurance contract, or coincide with it. If the retroactive date is not indicated in the insurance contract, it is considered to coincide with the start date of the insurance period.

1. The damage occurred during the insurance period, or not earlier than the retroactive date specified in the insurance contract (if the insurance contract provides for a retroactive date). At the same time, in the event that an "extended period" of insurance is established in the insurance contract, the event is not insured if the damage occurred during the "extended period";
2. Damage to life, health, property of third parties (beneficiaries) is caused within the insurance territory specified in the insurance contract;
3. The claim of a third party (beneficiary) for compensation for damage caused to his life, health, property is recognized by the insurer, or recognized by the policyholder with the written consent of the insurer, or there is a court decision that has entered into force establishing the obligation of the policyholder to compensate for such damage.

In the event of an insured event, the Insurer shall indemnify for:

1. harm to the life and health of third parties (physical damage) caused as a result of the performance of the insured activity specified in the insurance contract. According to general rules, harm to the life and health of third parties means bodily injury, disability or death of the victim;
2. damage to property of third parties (property damage) caused as a result of the performance of the insured activity specified in the Insurance Contract. Under these Rules, damage to the property of third parties means the destruction or damage of movable and / or immovable property. The date of infliction of damage to property is the time when the damage first appeared;
3. defense costs: in cases where it is expressly provided for by the insurance contract - preliminary written expenses agreed with the Insurer for the provision of legal assistance in the conduct of cases in court, including fees for the services of lawyers and other authorized representatives, expenses for the services of experts, as well as other expenses agreed with the Insurer made in order to clarify the circumstances of insured events and insured events, the degree of guilt of the Policyholder (Insured person), as well as in order to eliminate / reduce claims for damages declared by third parties;
4. necessary and appropriate costs of saving the life and property of third parties to whom damage has been caused as a result of an insured event, or to reduce the damage caused by an insured event.
5. Only if it is separately stipulated by the insurance contract will be reimbursed:

a) harm to the natural environment ( environmental damage) caused as a result of the performance of the insured activity specified in the insurance contract. Environmental damage is understood as a violation of environmental quality standards established by the relevant authorized state authorities, in whose jurisdiction is the management of environmental protection;

b) the amount of the pledge or other amounts that the policyholder is obliged to pay by virtue of the law, by decision of the court or other competent authorities as security for the fulfillment of obligations from causing harm to third parties.

Sum insured is the amount of money determined by the insurance contract, on the basis of which the amount of the insurance premium and the amount of insurance payment are determined upon the occurrence of an insured event.

The insurance contract may establish maximum amount insurance compensation. The liability limit can be established both as a whole under the insurance contract (aggregate liability limit), and for each insured event... The limit of liability can also be established for individual insurance risks, for individual places of insurance, for certain types of expenses.

The insurance contract may provide franchise, i.e. a certain part of the insured's losses, not subject to compensation by the insurer and being part of the insured amount (liability limit).

Exceptions to insurance claims.

• Requirements for:

1. compensation for harm caused in connection with war or military actions, regardless of whether war was declared or not, civil war, insurrection, insurrection, popular unrest, actions of armed formations or terrorists;
2. compensation for losses incurred as a result of exposure to radioactive or other ionizing radiation, including alpha, beta or gamma radiation emitted by radioactive substances, neutrons; radiation emanating from charged particle accelerators, optical (lasers), wave (masers) or similar quantum generators, as well as microwave generators;
3. compensation for harm caused by constant, regular or prolonged thermal exposure or exposure to gases, vapors, rays, liquids, moisture or any, including suspended, particles in the atmosphere (soot, soot, smoke, dust, etc.). Separately, the insurance contract may provide for compensation for the above harm when the effect of the above substances is sudden and unforeseen and there is clear evidence that the harm was an inevitable consequence of such exposure and is directly related to the insured activity;
4. compensation for harm caused by illegal actions of state and public organizations, as well as officials;
5. compensation for harm that was intentionally caused to third parties by the policyholder himself or his employees;
6. compensation for harm expressed in lost profit of third parties, with the exception of cases of harm to the life and health of third parties;
7. compensation for harm caused to third parties in excess of the limits of compensation provided for by the legislation in force in the insurance territory;
8. protection of honor and dignity, as well as other similar claims and claims for compensation for harm caused by the dissemination of information that does not correspond to reality and damage the reputation of citizens, organizations or other persons, including incorrect information about the quality of goods or services;
9. compensation for harm arising from the violation of copyright and other exclusive rights to intellectual property;
10. compensation for harm caused outside the territory of insurance, or presented at a place that is outside the coverage area under the insurance contract;
11. compensation for harm resulting from the disclosure by the insured or his use for personal purposes (use for personal purposes by the employees of the insured) of commercial secrets or other confidential information in connection with the implementation of the insured activity by him;
12. compensation for harm, in the event that the policyholder has committed illegal acts provided for by criminal, administrative or labor legislation, etc.

• Exclusion from insured events of claims arising from certain types activities:

Insurance coverage does not apply to professional or business activities of the Insured related to:

1. mining of minerals by underground or open pit;
2. the extraction of crude oil and natural gas or the provision of services in these areas;
3. disposal of toxic waste water, waste and reclamation of contaminated land / territories;
4. production of explosives, fireworks, ammunition, detonators, etc .;
5. production, trade or transportation of genetically modified products;
6. participation of the Insured or his employees in sports competitions (competitions) or in the process of preparation for them, if the Insured or his employees were direct participants;
7. the use of firearms, gas, cold, pneumatic or throwing weapons;
8. transfer to Third parties of any disease by the Insured or his employees, as well as animals belonging to the Insured or transferred by him to Third parties, etc.

• Exclusion from insured events of claims for compensation for damage resulting from exposure to hazardous products, substances and phenomena that pose an increased danger:

Insured events are not claims for compensation for losses incurred as a result of exposure to the following hazardous products, substances, phenomena:

1. asbestos, asbestos fibers, asbestos-containing materials or any products containing asbestos;
2. quartz in any form, quartz products, quartz fibers, quartz dust;
3. tobacco and tobacco products, etc .;

• Exclusion from insured events of claims arising from the types of activities, the insurance of which is carried out on the basis of special rules and conditions of insurance:

Insured events are not claims for compensation for damage caused in connection with the possession, operation or other use of the following vehicles, production facilities, goods, works, namely:

1. sea, river vessels or other floating objects;
2. aircraft, helicopters or other manned or unmanned flying vehicles;
3. vehicles and motor vehicles that are allowed to travel on public roads only subject to official registration and which must have state registration plates;
4. mobile mechanical agricultural and other machinery, which does not require registration with the state automobile inspection authorities;
5. railway rolling stock and tracks for the carriage of passengers and goods, with the exception of access tracks on the territory located on the territory of the Insured's enterprise;
6. hazardous production facilities, the insurance of which is provided for by the Federal Law No. 116-FZ of 21.07.1997 "On industrial safety hazardous production facilities ", No. 117-ФЗ dated 07.21.1997," On safety hydraulic structures"Or other similar legislative acts. The insurance contract may separately provide for insurance of hazardous production facilities in excess of the liability limits, which are reimbursed in accordance with Federal Law No. 116-FZ of July 21, 1997 "On industrial safety of hazardous production facilities", No. 117-FZ of July 21, 1997. "On the safety of hydraulic structures" or other similar legislative acts;
7. The Internet and other computer networks (the so-called "cyber responsibility");
8. goods, works, services produced, sold, sold by the policyholder (insured person) due to their shortcomings, as well as due to inaccurate or insufficient information about the product (work, service);
9. construction and installation work, including earth, pile or other similar work. the insurance contract may separately provide for compensation for damage caused in connection with the repair and finishing work;
10. domestic, agricultural or wild animals belonging to the policyholder or insured persons, as well as their family members, etc.

There are enough exclusions from insured events; when insuring civil liability, carefully read the list of exclusions in the insurance rules.

As for individuals, here the civil liability insurance of the vehicle owner should be especially highlighted. This is not only the most common type of insurance, but it is also mandatory. An example is a CTP insurance policy, without the purchase of which the car owner will not even be able to register the purchased car with government agencies.

Every year people are faced with various housing and communal problems, household, social. There are situations when, through the fault of one person, an entire staircase or house can be damaged. At such moments, there is an understanding of the meaning and role of third-party liability insurance.

Demand for insurance companies and reviews

Companies offering such services are quite in demand, the number of clients is growing every year, since in most cases, damage becomes a real test. As practice shows, most of the harm is caused by fires, flooding, road traffic violations. Certain types of third party liability insurance are provided for road accidents.

In such situations, the recipient of compensation is a person who has suffered as a result of a road traffic offense. Based on practical knowledge and customer feedback, these services increase their customer cap every year and thrive quite successfully. In particular, this fact applies to car owners and people who want to protect their privacy and property.

Insurance conditions

Setting the injured person as the beneficiary has an advantage for each party. The benefits are as follows:

• an insurance company is negotiating with the victim;
• the objectivity of the claimed damage is not verified;
• the damage is covered by the firm.

If the water supply is broken, neighbors may be flooded. In such a situation, the person who caused the inconvenience is forced to pay for the repair and restore the damage. A similar misfortune is fire. In this incident, the fire can go to different areas of housing, including neighboring ones. Considering the firefighting process, the damage will be even greater. Thus, you will need third party liability insurance.

An apartment that has been flooded or burned down will need a major overhaul or high-quality renovation. And with his assurance, the tenant or tenant saves time and money, and numerous reviews confirm this.

Classification of the procedure and the procedure for conducting insurance

As you know from practice, there are civil liability franchises, which are conventionally divided into the following types:

• general;
• service provider;
• directors and officers;
• professional;
• employer;
• vehicle owner;
• harm to the environment.

The most demanded type of insurance for motorists is OSAGO, and as for fires and floods, this refers to general liability. In general, the established classification model is rather arbitrary, although it was adopted by the companies. These varieties pursue a single purpose - an object, a material interest from damage.

To conclude a contract for any type of insurance, a public offer must be provided. The offer of the insurance company is adjusted according to the requirements of the consumer. When contacting, the client will receive a form in which the conditions will be set out, and if the information is not objectionable, then the contract is signed and executed.

Insurance for motorists

As for the owner of the car, in this case, the legal owner must insure the car within five days after receiving it for his own use. Third party liability insurance remains valid if the car was purchased and when it is a gift.

Moreover, such categories are considered owners and fall under the classification type of certification. Therefore, within the time frame established by law, you must go to the company's website and indicate there the personal information for the contract. Then the client pays for OSAGO. And as soon as the paid funds enter the system, conditions are drawn up and sent by mail to the insured person.

The main advantage of such an agreement is to receive it by mail and print it out on a printer. Moreover, this will be considered acceptable for transport services and traffic police officers. However, judging by the reviews, the resulting copy may become a problem in jurisprudence, in view of the fact that the original has priority.

Third party liability insurance contract: features

The main element of the named agreement is the listed risks against which the counterparty will be insured. The standard conditions of the document imply the presence of a narrow list of incidents, not including natural disasters and natural disasters. Potentially, any non-standard situation can arise that will entail colossal insurance payments.

The cost of third party liability insurance includes part of the ceiling coverage. However, in the process of concluding an agreement, it is necessary to pay attention to the clauses and conditions of the document being signed, so as not to end up in an impasse later. In addition, it is important to indicate the identity of the beneficiary. A clear list helps to create a field of manipulation by the insurance company.

Also, before concluding a contract, it is worthwhile to study the companies that provide such services and choose the one that deals with these types of activities. Now the necessary information and data of insurance companies are freely available, as well as online questionnaires for future clients.

Private life insurance

Most people recently have the opportunity to insure their own wealth. In view of various events, every law-abiding citizen wants to protect his relatives, friends, material well-being. Various accidents can lead, for example, to the loss of a dog in a traffic accident, window glass, etc. And in order to avoid colossal material costs, it is recommended to get a policy. Third party liability insurance will ensure that minor troubles do not lead to large losses. And this is evidenced by a large number of reviews from grateful customers.

Every citizen understands that damage caused must be compensated. Besides rights, there are obligations. The contract and the insurance policy are issued to the counterparty, who, under certain circumstances or events, can use the services of the company. The object of the document in a particular case is the responsibility of any citizen.

When choosing the services of any company, it is important to determine the conditions, the beneficiary. In addition, the form or scope does not matter, because third party liability insurance is good guarantee and a franchise that removes the obligations of one person to another.

Third party liability insurance is the most effective and reliable method of protecting property interests that are associated with compensation for damage to third parties. Both a legal entity and an individual can act as the policyholder. Modern insurance companies offer their clients favorable terms of civil liability insurance for damage caused to the health, life or property of third parties during the operation of apartments, individual buildings.

Definition of voluntary insurance of civil liability to third parties

Good to know. The harm that was caused by the employee of the policyholder in the course of the performance of official duties is considered to be caused in the framework of the insured activity.

What can you apply for a policy

What affects the cost of insurance

If the policyholder intentionally harmed third parties, the insurer is still obliged to pay compensation. But in this case, he can then collect this amount from the insured person.

Exclusions from insured events

The law provides for a wide list of exceptions, under which compensation for insured events is not paid. Let's name the main ones:

1. The amount of the claim in relation to the insured damage to the property of third parties in the amount established by the franchise agreement.
2. Replacement costs incurred by the insured, restoration, repair of premises, if the need to perform these work is associated with errors made during the design, installation, capital reconstruction.
3. Liability of the policyholder for causing harm to health and the lives of workers during production operations.
4. Property damage, taken by the insured for hire (or lease).
5. Damage caused as a result of the operation of high-risk machinery and equipment.
6. Insured person's expenses that have arisen indirectly or directly as a result of harm under the contractual relationship.