most often insure their professional activities such Professional:
• Private doctors, drug companies, and organizations that conduct clinical trials of drugs
• Auditors and accountants
• Architects and designers
• Private notaries and lawyers
• Customs brokers and privateguards
• Managers in transportation of goods and passengers
• Realtors, appraisers and other professionals
According to the insurance contract shall be compensated the damage caused to human health and life, property loss in case of damage, moral damage, loss of profits and damage the reputation of the insurer.
professional liability insurance indemnifies not only damage but also covers the costs of clarifying the circumstances, determining the degree of guilt specialist court fees and the cost of legal aid.
specialists who make professional liability insurance, has a different degree of risk, depending on the length of service and qualifications, how likely customer complaints, the type of activity and revenue for their services.Matters and the availability of claims in the past.The average rates for insurance are from 0.5 to 1.5%, although at high risk increase to 5%, and the low probability of an insured event is reduced to 0.2%.
Recently, an increasing number of complaints from customers who have suffered because of poor performance of the services.Therefore, the management of companies and organizations conducting professional liability insurance for their employees, to avoid financial losses in damages to customers, loss of time and image in litigation.In this case, all the risks the insurance company takes, it makes payments to victims.Therefore, the outflow of customers, and therefore the financial loss will occur.Making insurance policy assures customers of the company in good faith, which takes into account the interests of all stakeholders, both customers and business partners.
audit company that provides professional liability insurance auditors, covers many of the risks arising from errors specialists:
• Restoring and Business Accounting
• When preparing financial statements and tax returns
• During the audit documentation
•When providing advice on the tax, economic and financial legislation
insurance company reimburses loss to the customer, which arose through the fault of the auditors at partial payment of taxes, all the costs of litigation, including a lawyer, the costs of salvage, whichharmed in the insurance case.Payments are made by the court.
medical clinics, research centers, diagnose and treat patients on a fee basis, carry professional liability insurance for healthcare professionals.This is especially true of surgeons, obstetrician-gynecologists, neonatologists, dentists, anesthetists and intensive care, because they are interested protect yourself in case legal action from the patient to the clinic for the poor service.Insure your liability and private physicians licensed.
insured event under the insurance of professional responsibility of physicians recognized harm to the life and health of the patient at diagnosis, when treatment and upon the occurrence of the death of the customer when inadvertent error insurer.
When a contract for professional liability insurance between the insured (the organization) and the insurer (insurance company) must be clearly defined term of the contract that is an insurance event and the amount of insurance payment, within which the compensation.
