Russian insurance market, despite the lingering financial crisis continues to evolve.Many experts are unanimous in their opinion that the main incentive for the development of insurance in Russia - is the introduction of new types of insurance.Since January 2012 in Russia there was one kind of such insurance - insurance policies is the responsibility of owners of dangerous industrial objects.Major accidents in 2008 - 2010, respectively, related to the heavy material and human losses forced the Russian government to adopt a new law that requires owners of hazardous industrial facilities to insure their liability to third parties in case of an accident on their production and facilities.
must admit that many owners accepted the introduction of the law is negative.Of course, a new kind of security made them bear the additional financial burden.But the penalties for lack of the necessary policy also introduced a lot: the legal entity will pay from 300 thousand to 500 thousand rubles, and the responsible manager - from 15 thousand to 20 thousand rubles.
insure its liability holder may at any insurance company that is a member of the National Union of Liability Insurers (NSSE) and is licensed for this type of insurance.The cost of the policy depends on many parameters.First of all - the type of dangerous object.For example, the cost of the policy for the elevator will differ from the cost of the policy for the boiler or gas consumption system of the enterprise.Secondly, you must know the object is declared.
How do I know the declared object or not?
When the owner of a dangerous object is about to purchase a policy OVOP he must submit the following documents: registration card, certificate of registration of a dangerous object (GCO), documents proving ownership of the facility, completed form AFB (factor for safety).Just need information about whether the object is declared, iehave filled this place whether or not the special declaration ,.If there is doubt as to the correctness of the documents or any information missing from each owner has the opportunity to seek to clarify the supervisory authority - Rostekhnadzor.
What to do when the insured event?
First and foremost, insurance dangerous objects aimed at protecting victims.In the event of an accident, the victims need to know what the insurance company was insured dangerous object.And literally, you need to immediately contact the insurance company and find out what documents to provide.At the same time, it is impossible to delay filing because the payments will be made in the order of submission of applications.Unfortunately, it may happen that somebody damages are not recoverable.Because each object is insured for a certain amount of insurance, such as 10 million. Rubles.Once the insurance company will pay 10 million rubles. The rest of the victims will be denied, they already have to apply directly to the owner of the object and, if necessary, to address this issue through the courts.For each insurance case the insurance company is liable only within the limits of the sum insured.
For more information and to calculate the cost of insurance policy owner of a dangerous object is best to contact the insurance company.When choosing an insurer to check the license for this type of insurance.This information can be found on the website of the National Union of Liability Insurers.
