Any manufacturing process will inevitably associated with a risk.Because inadvertent errors can cause damage to property or health.Liability for any damage bears full legal entity.
Liability insurance allows the insurance company to shift the burden of the financial costs that may arise in connection with the settlement of claims of third parties.
essence of liability insurance is that in the event of insurance claims, the company carries a much lower losses related to compensation of the damage.In the case of the insurance company guarantees the timely afford a significant reduction in the probability of large financial losses associated with possible loss of economic and economic independence.
Legal entities provided liability insurance for businesses that operate with hazardous production facilities;civil liability;producers liable for the quality of goods;professional liability;the liability of directors and senior management.
insured event is the presentation of the third parties (victims) the company claims that have a reasonable character, which concern claims for damage to health, life and property.Such claims must comply with the standards stipulated by legislative acts of the Russian Federation.
effective way to protect property interests and, in addition, to minimize the cost of damages to the injured party is the liability insurance.It is carried out with respect to legal entities, entrepreneurs and other participants of any professional activity in accordance with their characteristics.
insurance policy for the quality of manufactured goods (or services) to avoid the costs directly related to the compensation of the damage;increase the competitiveness of goods produced and sold;to provide customers and partners additional assurance companies.
The policy is designed to cover such risks that may accompany the activity of the enterprise as the deviation in the properties produced (sold) goods originally declared properties of the samples;mismatch working environment hygiene requirements;violation of product safety in its use (storage, transportation and disposal);mismatch quality standards, samples or other certificate.
in a special situation are enterprises engaged in the operation of hazardous production facilities.Liability insurance is for them is a particularly pressing issue.Such insurance is carried out according to the law "On hazardous production facilities" in 1997.
as insurers may act organization whose work involves the use of hazardous production facilities: mining, coal, chemical, metallurgy, oil and gas production;Use leveling buildings - different lifts, cranes, hoists;whose activity is connected with the procurement, production, processing, use, transportation of hazardous substances.
insurance coverage includes such risks as the probable risks involved and damage to life, property, health or the environment as a result of industrial accidents, destruction of buildings, damage to technical devices, uncontrolled explosions or releases of hazardous substances.
Liability insurance for injury involves coating the possible consequences of situations sum insured, mandatory payments.They include cases of damage to the environment, property, life or health, as well as costs associated with the liquidation of the consequences of accidents.
