Employee health insurance
from ₼380 per person, a year
Civil liability insurance
If your business harms someone’s health or property, we pay the claim and the legal costs. The compulsory insurance the law requires of operators of shopping centres, hotels, business centres and similar buildings is here too.
Main terms
- Compulsory part
- Law on Compulsory Insurance: building operators’ civil liability
- Limit
- Voluntary part from ₼50,000 to ₼2,000,000
- Price
- After a risk survey, usually 0.2–0.8% of the limit
- Term
- 1 year
Who it is for
Building operators, shops, restaurants, manufacturers, doctors, engineers, notaries.
Legal basis
Basis of the compulsory part: the Law on Compulsory Insurance (24 June 2011, No. 165-IVQ), the chapter on civil liability for operating real estate. The certificate’s form: Central Bank decision No. 18/4 of 12 April 2023.
What is paid
- Compulsory insurance for operating a building (by law)
- A visitor who slips and gets hurt
- Water or fire spreading to a neighbouring office or shop
- Harm caused by a product you sold
- Professional mistakes: doctors, engineers, accountants
- Legal defence and court costs
What is not paid
- Deliberate harm
- Contractual penalties
- Injuries to your own staff (separate compulsory insurance)
When it happens
- Help the injured person, write down what happened, take witnesses’ contacts.
- Do not accept the claim without agreeing it with us.
- Tell us within 3 working days and send us the claim letter.
Documents you need
- Policy
- Incident report, witness statements
- The claim letter or court papers
Questions
Does our building need the compulsory insurance?
The law applies it to operators of certain buildings. Send us the building’s use and floor area and we answer within 1 working day.
Request an offer
Fill in the form: an underwriter calls you within an hour during working hours.
Other insurance
Business property insurance
Priced after a survey
Cargo insurance
Priced after a survey
Construction all-risks insurance
Priced after a survey