Based on civil liability law of Iran, all the individuals of the society including legal and real entities are liable against causing damage to others and should compensate that. The description of civil liability insurance is to provide and compensate the damages caused by the insured to others which are resulted from his fault or dangerous activities. In this insurance the compensations under insurance cover include property damage and bodily injuries.
Due to its nature, liability insurance is necessary for all individuals of the society who interact with others. As a business owner, you may be legally responsible for your employees or other stakeholders who interact with you in some way. However, the extent to which you are liable for possible property or personal injuries is at the discretion of the competent legal authorities. However, if there is any amount of fault, you should seek financial compensation and the best sponsor at this time is liability insurance Of course, it is very important that your insurance policy is tailored to fit your specific risks in your field so that it can be used and exploited when needed..
All businesses and professions can insure their liability against claims made by other - employees, consumers, third parties and those who in any way interact with them- including bodily injury, damage to property, or personal injury. It is very important to get the right cover provided by a team who specializes in many types of business insurance and understands your specific needs.
All employers are responsible for compensating their employees and workers for damages caused by accidents at work and resulting in bodily injuries or death.
This insurance covers the insured's liability against the employee’s claims. All the employees working in the work place will be covered under this insurance policy.
According to this insurance, compensation for death and disability of workers in the amount of atonement as well as medical expenses will be covered up to the limit of liability is purchased and in case of purchasing unemployment insurance coverage, under “the daily unemployment compensation and the claims of the National Insurance Organization from the Employer clause”, according to Note 1 of Article 66 of the National Insurance Law.
The following are usually the basis for determining liability in this insurance policy:
Types of Employer Liability Insurance:
The subject of this insurance, is the compensation of the insured professional liability “doctors” which resulting from their negligence, errors or omissions in performing medical affairs, which may results in bodily injury or death of a person and it may be subjected to the treatments or surgeries of the patients. Also, the liability arising from the actions performed during the term of the insurance policy, in case its attribution to the said actions is confirmed, within four years after the expiration of the insurance policy and no later than twenty days after notification from insured to insurer, will be covered. The relevant trial expenses in each trial will be included in the liabilities of the insurer.
In this type of insurance the liability of the insurer in each case will be limited to the insurer's civil liability compensation based on the maximum limit stated in the insurance policy. It should be noted that in the case of this insurance policy, the maximum limit of liability for injury and death must be determined such that it will be consistent with the verdicts issued by the courts and the relevant legal authorities.
The subject of this insurance policy is the compensation of bodily injuries caused to patients, their beneficiaries and other third parties within the hospital resulted from their responsibility in accordance with the job description approved by approved by health and Medical Education Ministry. Legal claims against medical centers due to inefficiency, lack, defects in medical facilities, technical and installation equipment, during the treatment, surgery and hospitalization of patients that lead to bodily injury to them and third parties (clients, visitors, etc. .) will be covered by this insurance policy.
The subject of this insurance policy is the compensation of professional liability of nurses, paramedics, anesthesia and operating room technicians, radiology technicians, CT scan and MRI as well as experts and technicians of laboratory, radiography and CSR.
This insurance has been provided for establishing the professional provision of design, structural engineers and construction supervisors who are members of engineering system of provinces, have occupational license number and signature of the Department of Housing and Urban Planning of the Municipality against the building owners, third parties (including neighbors, passers-by, etc.) and construction project executives (property and bodily injury). The insurance liability for bodily injuries up to the amount of legal blood money for each person and for financial losses will be as per the request of the design engineer, structural engineer and supervisor. The insurance duration for each construction license starts from the license issuance date (including the period of construction operation and after).
Some of the types of insurance for products manufacturers and suppliers are as follows:
Today elevators in commercial and residential buildings are considered as fundamental facilities. Although, periodic maintenance of elevators is performed by the owners, accidents caused by negligence in maintenance, defects in mechanical and electrical parts “which occur abruptly” will cause bodily injuries and loss to the users of them. Elevator liability insurance is a contract (agreement) that compensates the death and maim(disability) of the elevator occupants in the event of an accident.
Some of the types of contractual liability insurance are as follows:
In this insurance policy, the liability of domestic land transport companies (domestic transport agencies) against the owners of goods will be covered in accordance with the Commercial rules and regulations and conditions of the bill of ladings issued.
Under the terms of this insurance policy, the civil liability of international transport companies will be covered under the C.M.R International Convention.
This insurance policy covers the civil liability of air transport operators against the claims made by owners of goods or their legal beneficiaries in accordance with the terms of the issued air freight bills of landing and the Warsaw Convention.
Liabilities of those whose activities are not included among the professional categories of products, employers and contractors.
Types of general liability insurance listed as follows:
This insurance policy is provided for the contractors of construction and installation projects. Based on the terms of this insurance policy, the liability of the contractor in the implementation of the project is comprehensively covered against the employees and third parties claims.
Sometimes during construction operations, property damages and bodily injuries happens to third parties as a result of demolition, excavation, steel structures installation and other construction or civil works. These damages include subsidence of adjacent buildings, collapse of adjacent buildings, property damages to adjacent buildings due to the collapse, damage to streets, sidewalks and public property including urban spaces, damages to underground facilities such as water lines, gas lines and telephone lines, as well as loss of life or personal injuries to the passers and neighbors. By purchasing this insurance policy, the liability of the business owner and all executive agents will be both covered against third parties claims.
According to this insurance plan, travelers' life and property losses due to accidents during their stay in a hotel or inn will be covered. In addition, if the accommodation unit has facilities such as swimming pool, sports complex, parking, etc., life and property losses will be compensated to the users.
If people have an accident resulting in personal injuries while attending and using sports venues and during training and competitions, and if the management of the complex is recognized responsible for compensation of the caused damages and losses in accordance with the law, the loss will be covered.
The subject of this insurance policy is compensation for financial damages to cars and motorcycles belonging to third parties and compensation for death, bodily injuries and medical expenses incurred to third parties arising from insured's negligence in dealing with covered risks in the parking in case of confirmation of relevant authorities.
This insurance will be issued to cover possible loss of life for individuals in educational centers. The managers are responsible for the people who are studying in their educational centers, including kindergartens, schools, colleges, universities, etc.; Therefore, if something happens to any of these people while attending the educational center, the damages are the liability of the managers of the centers. If the manager of the educational center has already purchased an insurance policy for the managers of educational institutions, the loss will be compensated.
According to this insurance, the loss occurs to the neighbors as a result of the covered fire ,will be compensated up to the limits of liabilities after the loss assessment.
Liability insurance for the country's technical and vocational education organization against trainees, education liability insurance against students and teachers, liability insurance of free and non-profit schools against trainees, liability insurance of the Ministry of Roads and Transportation, corporate liability insurance Regional electricity due to transmission lines and power fluctuations, liability insurance of municipalities and villages, etc.
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In general, liability insurance provides insurance coverage against claims made by others for bodily injury or personal injury, property damage medical costs, which will be paid to the injured party where you are responsible.
However, in order to be informed about the scope of liability insurance coverages and to obtain an insurance that best meets your need is to get help from an expert team who understand the field of your activity and correctly identify the risks surrounding your business, so that at the time of an accident or a lawsuit against you, all can be effectively compensated by using it’s coverage.
The cost of liability insurance coverage various based on several factors, so after an accurate analysis of the field of your activity and peripheral risks, as well as consequently preparing and completing the proposal form based on your needs, it will be possible to calculate the premium or request a quotation from insurance companies. For better understanding the of the factors that influence the cost of the insurance premium, we can point out some of them, such as the amount of your business risks or your business classification in terms of risk , the amount of coverage requested and the maximum limit of liability payable in different parts of the insurance policy. Also, In addition to all other factors that can influence the premium cost, the number of employees or, for example, in liability insurance for construction operations, of the built up area will have a direct impact on the cost of your premium.
Over the years, working in insurance industry and cooperating with various industries and businesses, our greatest asset is our customer’s trust for tailoring insurance products to best meet their needs. At Hampad, by carefully analyzing the field of your business and understanding the unique risks your business may face, provides the best customized tailored insurance policy just for you. This means you can rest assured knowing you’ve got the right cover in place. Our aim is to provide our customer the best professional services and superior support from the moment we start working together until whenever needed to obtain their satisfaction.
Also, due to the scope of HAMPAD activity, we are familiar with the unique risks in various fields and we are specialize in providing specific insurance policy terms.
We provide you with options to pay premiums in the way you can.
When a claim for damages is made by you, we will act immediately and take the necessary steps until the result is obtained.