What types of insurance are included in liability insurance? Which companies provide this service?

Civil liability insurance is the obligation of one person to another to compensate for damage when the fact of such damage is recorded. Such obligations will arise subject to certain omissions or actions that caused a violation of the benefits of a particular person. Civil liability insurance is developed and applied with the aim of maximizing compensation for damage of various types and severity. Insured civil liability makes the life of the average resident of a developed country calmer, more stable and safer.

Mandatory liability insurance

Compulsory liability insurance appeared relatively recently, a little over a century ago. The main function of the mechanism is to help the insured person compensate for damage caused to a third party under an unfavorable combination of circumstances. Thanks to regular contributions from clients, the insurance company receives the necessary financial resources that allow it to take responsibility for compensation for damage in individual cases. In turn, the insured person also has the opportunity to compensate for the damage caused to the injured person without unexpected costs on a particularly large scale.

Vehicle owners liability insurance

Liability insurance for vehicle owners is aimed at protecting the interests of the policyholder in accordance with the legislation of the Russian Federation.

An insured event is any situation that requires compensation for loss due to damage caused during the use of the vehicle by third parties.

Thanks to compulsory insurance, damage in road accidents is covered in most cases by insurance companies. The process is regulated by federal legislative act No. 40, which came into force on April 25, 2002.

Liability insurance contract

A liability insurance contract is the main document that regulates the relationship between the insurance company and the insured person. The basic principles for the formation of contractual documents in the field of insurance are prescribed in the law “On the organization of insurance business in the Russian Federation”, as well as in Chapter 48 of the Civil Code.

In fact, an insurance contract is a universal agreement signed by the insurer and the policyholder. Based on the agreement, the insurer is obliged to pay compensation upon the occurrence of an insured event. The policyholder, in turn, undertakes to promptly transfer contributions of the established amount to the insurance company.

Liability insurance rules

The rules of liability insurance operate on the basis of the federal legislation of the Russian Federation. In fact, the rules are a list of conditions and norms on the basis of which the insurer enters into an agreement that ensures repayment of damage that the insured person causes to third parties. Under an insurance contract, it is possible to issue a policy not only to the policyholder, but also to another person. In the case of professional liability insurance for a specific person, his details are indicated in the insurance contract.

Liability Insurance Law

In accordance with federal law, liability insurance is distinguished as a separate segment of insurance. At the same time, the Civil Code of the Russian Federation considers liability insurance to be one of several branches of property insurance. The subject of liability insurance is compensation for damage caused by the guilty individual or legal entity. In the most common cases, harm is caused to health, life, property or the environment. Harm often occurs in the production process, as well as in the course of other activities or as a result of inaction.

Corporate liability insurance

Companies that work with equipment, substances or other potential sources of high-level hazards are considered the subjects of corporate liability insurance. As a rule, such organizations in the course of their activities use strong poisons, explosives or flammable substances, atomic or electrical energy, as well as all kinds of mechanisms and equipment.

The enterprise is always responsible for damage caused by such a source. The exception is cases where harm occurred due to the deliberate intent of the injured party, as well as in cases where it is not possible to prevent and foresee such actions.

Manufacturer liability insurance

Product liability insurance is considered an innovation in the Russian insurance product market. Not only manufacturers, but also sellers bear responsibility to consumers and other third parties. An insured event is considered to be damage caused to health, life, and property during the use of a product sold with a defect or other defects. Responsibility is also provided for failure to fulfill the obligations imposed on consumers and producers of goods by the legislation of the Russian Federation. In its simplest form, this type of insurance is known as quality liability.

Insurance programs

A striking example of an insurance program in the Russian Federation is the basic compulsory medical insurance program approved by the Government. The document was developed as part of a program guaranteeing free medical care to citizens of the Russian Federation. The document formulates the main responsibilities and rights of insured persons who receive free medical care throughout the Russian Federation. The program also lists the volumes and types of medical care that a citizen has the right to receive throughout the state, without taking into account the connection to a specific subject of the federation in the event of the onset of a disease. The document also sets out general requirements for compulsory medical insurance programs operating at the territorial level.

Employer liability insurance

Employer's liability insurance is part of every company's conscientious attitude towards its contractors and partners. Hired employees deserve special attention. The company’s responsibilities include compliance with every clause of the contract and the creation of safe working conditions. Recorded violations of an employment contract often lead to the filing of claims with subsequent payment of compensation for the harm caused. The main reasons for the emergence of a new type of insurance are considered to be the rapid development of business and the formation of a complex corporate structure of enterprises.

Liability insurance is possible classify into three types. One of the main ones is civil liability insurance to third parties. The most common insurers are drivers of motor vehicles, air carriers, shipowners, and entrepreneurs.

Civil liability insurance for vehicle owners is a set of types of insurance that provide for the insurer’s obligation to pay insurance compensation in the amount of full or partial compensation for damage caused to the insurance object.

In this case, the object of insurance is property interests associated with liability for obligations arising in the event of damage to the life, health or property of other persons in connection with the use of a motor vehicle by the insured or another person to whom such liability may be assigned.

Civil liability insurance for aircraft owners. In this type, the object of insurance is property interests associated with liability for obligations arising in the event of damage to the life, health or property of other persons by the insured or another person to whom such liability may be assigned, or with liability under a contract in connection with the use of air ships.

Civil liability insurance of the carrier and forwarder. In this case, the object of insurance is property interests associated with liability for obligations arising in the event of damage to the life, health or property of other persons by the insured or another person to whom such liability may be assigned, or with liability under a contract in connection with freight forwarding or the use by such a person of a means of transport for transportation.

This type of insurance includes the following types:

• - carrier's civil liability insurance;
• - insurance of the carrier’s civil liability to customs authorities;
• - insurance of civil liability of the forwarder;
• - other types of civil liability insurance of the carrier (forwarder).

Civil liability insurance for enterprises that create an increased danger to others. In this case, the object of insurance is property interests associated with liability for obligations arising in the event of a source of increased danger belonging to the insured or another person causing harm to the life, health or property of other persons, or the environment.

Insurance of the employer's civil liability for harm caused to the life and health of employees. The object of insurance in this case is property interests associated with liability for obligations arising in the event of damage to the life or health of other persons who are in an employment relationship with the employer on the basis of a concluded employment contract by the insured or another person to whom such liability may be assigned. .

Insurance of civil liability for damage caused in connection with professional activities. In this case, the object of insurance is property interests associated with liability for obligations arising in the event of damage to the life, health or property of other persons by the insured or another person to whom such liability may be assigned, or with liability under a contract in connection with the implementation by such person professional activities.

Contractual liability insurance. It is a set of types of insurance that provide for the insurer’s obligation to pay insurance compensation in the amount of full or partial compensation for damage caused to the insurance object.

Civil liability is of a property nature: the person who caused the damage is obliged to fully compensate the losses to the victim, i.e. to a third party. Through the conclusion of a civil liability insurance contract, this responsibility is transferred to the insurer. For the damage caused, the policyholder may bear criminal or administrative liability, i.e. be prosecuted by law for their illegal actions towards a third party. However, compensation for property damage caused to a third party is transferred to the insurer.

This type of insurance, such as civil liability insurance, is quite common in economically developed countries, and this requirement there has the force of law. The legislation stipulates that everyone involved in the ownership or management of dangerous objects (vehicles, etc.) is obliged to bear responsibility for potential damage or harm that it may cause to the health, life and property of third parties. The scope of civil liability also extends to the commission of an intentional offense or failure to fulfill contractual obligations.

Civil liability insurance is one of the most numerous types of insurance, with a large number of varieties. There are also many insurance products based on it.

Professional liability insurance. The insurable interest in this case is compensation for property damage caused by erroneous actions of representatives of various professions: doctors, lawyers, collectors, accountants, engineers, etc.

Professional liability insurance is associated with the possibility of making property claims against individuals or legal entities who are engaged in the performance of their professional duties or the provision of related services. Property claims brought against individuals or entities arise from negligence, negligence, errors or omissions in professional performance or services. Through insurance, the insurer begins to deal with the satisfaction of these property claims for negligence and negligence. The purpose of professional liability insurance is to provide insurance protection for persons in a certain range of professions (private practitioners, notaries, lawyers, etc.) against legal claims against them from their clients.

A large number of producers of goods and services on the market has led to the emergence of such insurance services as insurance of manufacturer's liability to consumers for product quality. This service takes into account the requirements and recommendations of experts, world experience, and practice in the field of consumer rights protection in introducing effective mechanisms for monitoring product quality in the consumer market.

Recently, cases of harm to the health of consumers due to their purchase of low-quality products have become quite common. Product liability insurance for product quality, in case consumers suffer property damage due to poor quality.

The liability insurance contract provides for the transfer to the insurer of the obligation to compensate for damage to third parties as a result of actions that fall under insurance coverage under the contract. In other words, the insurer is obliged to protect the interests of the insured, arguing that he was not involved in the event, or to cover the loss for which he is liable.

The object of insurance is the property interests of the Insured associated with his obligation, in the manner prescribed by the legislation of the Russian Federation, to compensate for damage to property caused to consumers and/or other persons due to defects in products (services) produced (provided) by the Insured, as well as due to unreliable or insufficient information about products (services)".

Liability insurance– a type of insurance in which the insurer undertakes to compensate the insured for the amounts payable to third parties for the damage caused.

This is insurance in case of expenses that a person will have to make in connection with the imposition of civil liability measures on him (compensation for losses, payment of penalties, or interest provided for in Article 395 of the Civil Code of the Russian Federation). This type of insurance covers liability that has not yet arisen at the time of insurance, but may accidentally arise as a result of unintentional harm to a third party.

Civil liability, in the event of which insurance is provided, refers to the liability measures provided for by Chapter 25 of the Civil Code of the Russian Federation and other norms of the Civil Code of the Russian Federation dedicated to liability.

Species liability insurance:

Insurance of liability to third parties during construction and installation work;

Insurance for design, engineering and other work;

Manufacturer liability insurance;

Insurance of employers' liability to employees of the enterprise;

Professional liability insurance (builders, lawyers, notaries, doctors, pharmacists, accountants, auditors, arbitration managers and other professions);

Contract performance guarantee insurance;

Liability insurance for vehicle owners;

Insurance of liability for the life and health of passengers during an air flight, as well as luggage in case of loss or damage;

Responsibility of enterprises – sources of increased danger;

Liability for environmental pollution (environmental risks);

Liability insurance for airport owners, etc.

Civil liability insurance, depending on the grounds for its occurrence, is divided into two types:

1. Contractual or contractual liability insurance(Article 932 of the Civil Code of the Russian Federation).

Insurance of the risk of liability for breach of contract is permitted only in cases provided for by law. Of all the examples given in the literature, only insurance provided by the rent payer (clause 2 of Article 587 of the Civil Code of the Russian Federation), insurance of the tour operator’s liability for non-fulfillment or improper fulfillment of obligations under the contract for the sale of a tourist product (Article 17.1 of the Federal Law of November 24, 1996 . No. 132-FZ “On the Fundamentals of Tourism Activities in the Russian Federation”) and insurance of liability of the audit organization for violation of the contract for the provision of audit services (Article 13 of the Federal Law of August 7, 2001 No. 119-FZ “On Auditing Activities”) can be unconditionally included in the insurance of the risk of liability for breach of contract. Insurance provided for in paragraph 1 of Art. 343 and paragraph 4 of Art. 919 of the Civil Code of the Russian Federation, although it is carried out in favor of the counterparty under the contract, is directly called property insurance, not liability.

General characteristics of liability insurance for breach of contract:

1. The object of insurance is the interest associated with possible liability for non-fulfillment or improper fulfillment of obligations arising from the contract. General rules on liability for non-fulfillment or improper fulfillment of obligations are established by Chapter 25 of the Civil Code of the Russian Federation. They are obligated to compensate losses (Article 393 of the Civil Code of the Russian Federation) and pay a penalty (Article 394 of the Civil Code of the Russian Federation) or interest (Article 395 of the Civil Code of the Russian Federation).

2. In general, when insuring contractual liability, the insurer compensates for the damage caused by extinguishing the obligation of the responsible person to compensate for losses, pay a penalty or interest, but not fulfill the obligation in kind.

3. The policyholder has the right to insure only his contractual liability. An insurance contract in which the contractual liability of a third party is insured is void.

1. Insurance for liability for damage or non-contractual liability(Article 931 of the Civil Code of the Russian Federation).

Under the contract of insurance of the risk of liability for obligations arising from causing harm to the life, health or property of other persons, the risk of liability of the insured himself or another person to whom such liability may be assigned is insured (clause 1 of Article 931 of the Civil Code of the Russian Federation). The law allows insurance for the risk of non-contractual civil liability arising for any reason (and, above all, for those provided for in Chapter 59 of the Civil Code of the Russian Federation).

General characteristics of tort liability insurance:

1. Insurable interest consists in ensuring that the interested person does not have an obligation to bear expenses, and the harm to the interested person is caused by the occurrence of this obligation.

2. The beneficiary in a liability insurance contract is always the injured person, regardless of the will of the parties to the contract.

3. The subject of the insurer’s obligation in the liability insurance contract is to pay compensation to the victim upon the occurrence of an insured event. From Art. 307 of the Civil Code of the Russian Federation it follows that the creditor, which in this case is the policyholder, has the right to demand from the insurer the fulfillment of what was promised, i.e. payment of insurance compensation to the victim. Currently, it should be assumed that judicial practice prevents the policyholder from demanding that the insurer pay compensation to the victim until the victim renounces the claims against the insurer.

1. Clause 4 art. 931 of the Civil Code of the Russian Federation expands the rights of the injured beneficiary, allowing him in some cases to demand from the insurer what, according to the general rules of civil turnover, he must demand from another person. After all, it was not the insurer who caused harm to the victim, but the person whose liability was insured, and according to the general rules of Chapter. 59 of the Civil Code of the Russian Federation, it is to this person that the claim for compensation for harm should be addressed. This provision allows the victim to participate in relations with the insurer not only as a third party in the obligation to pay insurance compensation, but also as a creditor in the obligation to compensate for harm.
2. Under this agreement, both the interest of the policyholder himself and the interest of another person can be insured. Unlike a property insurance contract, which is always concluded only in favor of the interested party, a liability insurance contract is never concluded in favor of the interested party. Two rules are established for the insured person:

a) this person must have an insurable interest, that is, it must be possible to hold him liable for harm caused to third parties;

b) the insured person who is not the policyholder must be named in the insurance contract. Not any person can be insured, but only one in whose liability the policyholder is interested.

1. Liability for causing harm arises on the grounds established in Chapter. 59 of the Civil Code of the Russian Federation. At the same time, this chapter provides a number of grounds on which liability for causing harm to the life, health or property of third parties is reduced or excluded altogether, for example, paragraph 2 of Art. 1064, Art. 1066, 1083, etc. If such grounds exist, then the policyholder must take all “reasonable and available to him” measures to prove their existence, since these measures help reduce the harm caused by the insured event to the insured person (Article 962 of the Civil Code of the Russian Federation).

7. The occurrence of liability for intentionally causing harm to the life or health of a citizen does not exempt the insurer from payment (clause 2 of Article 963 of the Civil Code of the Russian Federation).

Obligations to pay insurance compensation and obligations to compensate for harm, in which the liability of the harm-doer is insured, are different in terms of the grounds for their occurrence, and in the composition of participants, and in terms of implementation rules, and in terms of legal consequences. The first obligation arises from the insurance contract, the second from an offense (tort). In the first case, the obligation arises between the policyholder (creditor) and the insurer (debtor). In the second - between the victim (creditor) and the causer of harm (debtor), whose liability is insured. The first obligation has a shortened limitation period (two years, Article 966 of the Civil Code of the Russian Federation), while the second has a general limitation period (three years). When compensating the harm caused to the victim, the insurer, by virtue of Art. 1081 of the Civil Code of the Russian Federation receives the right to claim against the person who caused the harm, but when paying insurance compensation in most cases does not receive such a right.

Collection of legislation of the Russian Federation. 1996. No. 49. Art. 5491. (The law establishes guarantees for the financial protection of the rights and legitimate interests of consumers of tourism services in the conditions of termination of licensing of tour operator and travel agency activities from January 1, 2007).

Collection of legislation of the Russian Federation. 2001. No. 33 (Part I). Art. 3422. (According to the law, insurance is provided during a mandatory audit. Voluntary auditor liability insurance is largely professional liability insurance).

For more information about tort liability insurance, see Matveeva I. Yu. Conceptual principles of insurance of liability for causing harm // Insurance Law. 2006. No. 2 (31). pp. 2–25.

Definition 1

Liability insurance is a branch of insurance that combines types of insurance in which, in the form of an insurance object, there is a property-type interest that has a connection with compensation by the insured person (policyholder) for damage caused to the property or person of third parties.

Types of damage subject to compensation in liability insurance

When insuring liability, there are the following types of damage:

1. Property damage (property damage) is the cost of repairs to restore real estate and/or property, other expenses caused by damage, for example, transportation costs, loss of profit, obtaining a loan, etc.;
2. Personal harm (personal harm) is the cost of treatment, costs associated with increased needs, for example, orthopedic devices, hiring medical personnel, etc.;
3. Moral nature (compensation for moral damage and suffering caused);
4. Claims of victims indirectly, for example, in case of loss of a breadwinner, burial expenses, etc.

Note 1

In practical terms, compensation for the last two types of damage is not provided for in any type of liability insurance, and is not used in all states.

Types of liability insurance

Civil liability insurance for vehicle owners, which is a type of liability insurance that ensures payment to the victim or his legal successors of financial compensation in the amount that could be recovered from the owner of the vehicle in a civil claim in favor of third parties in the event of death or injury, as well as destruction or damage to their property, which occurred due to the fault of the policyholder during an accident.

A Green Card is an insurance policy issued by an insurance company of a country that is a member of the International Green Card Union. The green card will be valid in the territories of all member states of the Union. In many countries, having a green card is a necessary condition for the use of vehicles by travelers on the territory of the state.

The object of civil liability insurance for vehicle owners is the civil liability of vehicle owners to third parties, which they will bear by virtue of the law as owners of a source of high danger to others. Moreover, for any owner of a vehicle, liability is of an abstract nature until the insured event occurs. The blue policy is an insurance program in which the limit on the amount of insurance payment when insuring the civil liability of the owner of the car and drivers, as well as passengers from accidents, is fixed without additional risk assessment.

The Blue Card is an agreement between insurance institutions of some European countries for the mutual recognition of insurance contracts of civil liability of vehicle owners, which they have concluded in their states, for the provision of services for regulating damage that arose as a result of an accident in the visiting state. The Blue Card is an insurance document. A limit is established regarding compensation for harm caused to the health or life of any injured person - one hundred sixty thousand rubles without limiting the amount of payment to all injured persons.

Environmental risk insurance is a type of insurance that provides for the insurer's liability for risks associated with environmental pollution: - insurance of ship owners' liability for the leakage of oil products from tankers, as well as their pollution of the coast and waters; - liability insurance for nuclear damage caused to third parties during the peaceful use of nuclear energy; - insurance of liability for pollution of groundwater, air and land; - insurance of liability for damage from mining activities, etc.

Note 2

Environmental risk insurance is based on the current environmental laws of any state.

Employer's liability insurance, expressed in the provision of insurance protection in the event that employees present claims to the insured for compensation for damage to property, their health, or life as a result of an occupational disease or accident.

The conclusion of an insurance contract makes it possible to protect the property interests of the employer related to his obligations to compensate for harm caused to the health and life of workers who were injured at work, and the interests of workers, because the harm caused is subject to compensation.

The employer will be liable to employees in the following cases:

• personal negligence of the employer, if the employer is an individual;
• when the employer cannot ensure the supply of appropriate and safe equipment, safe workplace equipment and work organization, as well as assemble qualified, competent personnel;
• violations of legislation that could lead to liability for the employer;
• negligence of an employee, which led to injury to another employee, etc.

Professional liability insurance is aimed at protecting the interests of the Insured of a property nature, which are related to its obligations to compensate for damage caused to third parties during the implementation of activities, and together with this, to protect the rights of clients.

The main source of claims against professional persons are errors, omissions or erroneous actions that cause financial loss to clients or third parties. The essence of the harm depends on the nature of the professional’s activities.

The risk of harm to a third party is present in almost any field of activity - from living in an apartment building with neighbors to air travel. Because of this, there are different types of liability insurance. What are the main types of liability insurance provided, what is included in mandatory and voluntary, as well as how to choose the optimal insurance conditions, a reliable company to cover losses and minimize expected financial losses - more on this and more in the article.

What is liability insurance

This industry combines various types of insurance, where the central object is the property interest of a third party when losses are caused to him. Damage means harm to life, health, or any type of property (someone was flooded, something was damaged, something was broken, etc.).

Attention! Under an insurance contract, it is impossible to protect illegal interests, crimes and administrative violations.

Mandatory or voluntary

According to the main classification of types of liability insurance, there are voluntary and compulsory. The first cases of voluntary receipt of insurance were noted less than a century ago.

Attention! Mandatory is carried out by virtue of the current legislation of the Russian Federation, and voluntary is carried out exclusively on the personal initiative of the policyholder.

Mandatory types of liability insurance in the Russian Federation:

• OSAGO and Green Card;
• passenger protection;
• insurance for owners of dangerous objects;
• insurance of forwarders' obligations.

Voluntary is carried out only on the personal initiative of the citizen and includes:

• obligations of owners of large maritime transport for damage caused to health or property of a third party;
• reliability of contractors or architects for high-quality construction work;
• obligations of realtors, customs brokers, lessors.

OS and DS do not contradict each other, but complement each other. The differences between them are also obvious. For example, if you are the owner of a vehicle, then it is illegal to drive it without a policy.

Characteristics of the main types of liability insurance

Another classification is by risk. The following types of liability insurance are distinguished:

• mandatory receipt of a vehicle owners liability policy;
• citizen liability insurance (voluntary or mandatory) in case of damage caused during professional work;
• insurance of enterprises (especially important for enterprises with increased risks in production);
• protection of product manufacturers' liability;
• non-standard civil liability insurance.

OSAGO and Green Card

Let's look at the difference between them and what type of insurance to choose. Compulsory motor third party liability insurance (MTPL) is issued on the territory of the Russian Federation by every vehicle owner. In the event of an accident, an insured event occurs when the victim is paid monetary compensation. If damage is caused to health and life, the payment will be up to 500,000 rubles. In case of damage to someone else's property, insurance compensation reaches 400,000 rubles.

“Green Card” is a method of international auto liability insurance. This agreement is necessary if you plan to travel abroad by vehicle. People from 48 countries of the world resort to insurance under the Green Card policy. .

Medical insurance

Today, in Russian medicine, the protection of a doctor’s professional liability is just developing. Any doctor can protect himself to a certain extent from professional error. Not all insurance companies today offer services related to the medical liability insurance system. The Ingosstrakh company offers this service, where the object of insurance remains the property interests of the policyholder in the provision of medical services, which do not contradict the laws of the Russian Federation.

Professional insurance

This type of professional liability insurance is used in the event of negligence or oversights in professional activities that lead to losses to third parties.

Who chooses professional insurance:

• doctors;
• notaries and lawyers;
• architects;
• arbitration managers;
• domain administrators.

The latter type is gaining increasing popularity. Learn more about Internet Domain Administrator Liability Insurance.

Cargo transportation – forwarders

Today, cargo insurance is an extremely popular and in-demand service.

Who uses this type of insurance:

• road carriers;
• leasing and transport companies operating not only in the Russian Federation, but also abroad.

Many companies are trying to protect not only transported goods, but also.

Attention! This type of policy will help to potentially reduce financial risks and avoid litigation in the event of damage or unforeseen situations with the cargo, so civil liability insurance for carriers is optimal.

Passenger protection during flights and on trains

Passenger protection is one of the popular types of insurance against accidents during travel. This type of policy covers the risk of bodily injury, serious injury or death to the passenger. Insurance begins to “work” from the moment an announcement is made about a passenger boarding a particular vehicle and ends at the point where the passenger exits it.

Borrower loan insurance

There is an important point in the concept and types of policies in the lending industry - insurance in case of loan default along with structural, life or title insurance. This is a separate type of mortgage insurance for the borrower for failure to fulfill his obligations to the lender. Forms of credit insurance can be different.

This type of protection involves the return of funds to the bank in the amount of the difference between the amount received after the sale of the property that was pledged and the borrower’s debt to the bank. Today, many lending companies issue mortgages on the condition that borrowers insure their solvency.

Protection under a civil contract

The general characteristics of this type of insurance suggest that only those entities who are given such a right by law can protect their obligations under a civil contract. For example:

• rent payers;
• microfinance organizations;
• bond issuers, etc.

An ordinary entrepreneur cannot insure his obligations under contracts with counterparties, even if he has such a desire.

Tour operator insurance for tourists

Tourists often have certain complaints regarding the quality of services provided by the tour operator. Sometimes it can be quite difficult to determine whether a traveler's claims are justified. Modern legislation interprets (according to the “Law on the Fundamentals of Tourism Activities”) that the tour operator is obliged to ensure the provision of all services that it offers. In addition, the operator bears obligations to the traveler if the services do not correspond to those previously stated.

Tour operators can insure their liability with the Ingosstrakh company.

Environmental responsibility

Environmental liability arises as a result of causing harm to nature and is expressed in the emergence of a real threat to the environment. Comprehensive liability insurance for environmental damage to nature is a popular type of policy for many developers and construction companies.

A civil liability insurance policy is chosen by owners of hazardous production facilities, since there are risks of harm to the environment (accidents, cleanup of contaminated areas, etc.).

Insurance for neighbors

Living in an apartment building can lead to careless damage to neighbors' property. Most often, water supply accidents occur; less often, electrical short circuits and fires occur. Neighborhood liability insurance will help prevent possible costs of repairing and restoring the homes of surrounding neighbors.

Where to apply for a policy

You can arrange protection of obligations for any of the listed types at Ingosstrakh Insurance Company. In particular, the insurer proposes to ensure its liability to neighbors for a wide range of risks.

Insurance premium and compensation are calculated individually depending on the specific situation. An application for payment can be submitted online.

Thanks to many years of experience, Ingosstrakh can offer optimal conditions for each client and a wide range of services regarding the protection of civil liabilities.

There are many types of liability protection today. Insurance companies offer to satisfy the interests of third parties not only in transport and during the operation of dangerous objects, but also in the exercise of professional activities. If you still have questions on the topic, ask them to our duty lawyer in the online chat. The window is located in the lower right corner of the screen.

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