Third-party liability insurance
CJSC "If Insurance" provides comprehensive third-party liability insurance. According to article 1064 of the Civil Code of the Russian Federation, personal or property damage caused to an individual, as well as property damage caused to a legal person shall be indemnified in full scope by the person, who caused the damage. Liability insurance provides cover for the Insured's liability to third parties in respect of injury to persons or damage to property.
Civil Liability Insurance
Civil Liability insurance protects the Insured against claims by third parties arising from property interests of the Insured, provided that interests do not contradict effective legislation of the Russian Federation, and is in respect of the Insured's obligation to indemnify the damage caused to life, health and/or property of third parties in a manner stipulated by civil legislation of the Russian Federation.
Property interests include:
- courses of production or other business activities
- processes of rendering services (performing work)
- arranging or holding mass-scale public, entertainment, sport, cultural and educational events
- maintenance, operation, tenancy of buildings, constructions, including residential objects (buildings, apartments, private-owned houses)
- processes of operation of industrial machines, mechanisms, equipment, engineering installations
- accommodation of animals, including agricultural cattle
Product Liability Insurance
Product Liability insurance protects the Insured against claims by third parties relating to the Insured's obligation to indemnify them in the manner stipulated by the civil legislation in respect of damage caused to third parties (consumers) due to defects in the products manufactured and sold by the Insured, performed work or rendered services, or non-deliberate failure to provide full information about the same, as well as the Insured's claim-related costs.
Professional Liability Insurance
Professional Liability insurance protects the Insured against claims by third parties relating to the Insured's obligation to indemnify them in the manner stipulated by the civil legislation in respect of losses caused to third parties as a result of non-deliberate errors or omissions made by the Insured in the process of the insured activities.
The insurance is available for:
- builders
- designers
- architects
- construction engineering survey experts
- customs brokers
- lawyers
- audit and consulting agencies
Liability Insurance for Operators of High-Risk Objects
CJSC "If Insurance" offers insurance protection of property interests of companies which operate hazardous production facilities in relation to the risk of harm which could be caused by such companies to life, health, property of third persons, or the environment as a result of an accident during operation of a hazardous production facility according to the Federal Law of July 21, 1997, # 116-FZ "On Industrial Safety of Hazardous Production Facilities", "as well as a result of incident during operation of a hazardous production facility."
