Compulsory types of insurance
1. Compulsory insurance of civil liability of the carrier to the passengers;
2. Compulsory insurance of civil liability of the employer for damage to life and health of employees caused at the time of performance of labor (service) duties
3. Compulsory insurance of civil liability of organizations operating hazardous production facilities
4. Compulsory insurance of civil liability of the carrier transporting dangerous cargo
1. Compulsory insurance of civil liability carrier to passengers
The object of insurance shall be the property interests of the Insured (Carrier) associated with the duty to compensate harm caused to life, health and / or damage to property of passengers, i.e. baggage of passengers during each transportation by automobile, air, rail and water transport.
The insured events shall be as follows:
- Damage caused to lives and health of passengers in the vehicle;
- Damage to property (baggage) caused during transportation.
Insurance is set for the time of a trip in the transport
Insurance sum (liability limit):
- Limit of liability for the risk of harming the life and health of passengers shall constitute 300 000.00 soms;
- Limit of liability for the risk of damaging the property (baggage) shall constitute 10 000.00 soms.
Tariffs:
- For automobile transport - 0.045%
- For railroad transport - 5%
- For water transport - 1%
- For air transport -0.007%
Coefficients shall be applied in addition to the tariff rates and shall depend on the type of vehicle and type of transport (intercity, long distance, international)
You can calculate the premium for this type of insurance by using calculator set on our website.
2. Compulsory insurance of civil liability of the employer for damage to life and health of employees caused at the time of performance of labor (service) duties
The object of insurance shall be the property interest of the Insured, associated with his duty to compensate damage to life and health of employees caused at the time of performance of labor (service) duties.
Insured event shall be understood as causing damage to life and (or) health of workers hired by the Insured while performing their work duties in the interest of the Insured.
The injury of life and (or) health of the worker hired by the Insured shall mean the following:
a) temporary partial or complete loss of ability to work by the employees of the Insured due to occurrence of industrial injuries disablement ;
b) permanent total or partial loss of ability to work by the employees of the Insured due to industrial injuries disablement;
c) the death of an employee of the Insured, which resulted from an industrial injury.
The insurance sum is fixed at the amount not less than the annual salary fund.
Insurance rates are differentiated by types of economic activity, depending on the class of professional risk and categories of personnel: the production, administrative, managerial and support staff
You can calculate the premium for this type of insurance by using calculator set on our website.
3. Compulsory insurance of civil liability of organizations operating hazardous production facilities
The object of insurance shall be the property interest of the organization operating hazardous industrial facilities associated with the commitment under the civil legislation of the KR, to compensate the damage caused to life, health and (or) property of third parties, and the environment as a result of accidents occurred at hazardous production facilities.
Insured event shall be understood as causing damage to life, health or property of third persons or the environment as a result of an accident or disaster occurred on the hazardous production facilities operated by the Insured and specified in the insurance contract.
The insurance company shall be liable if an accident, associated with industrial activity of the Insured has resulted:
a) death, disability, personal injury of the victim (physical damage);
b) the destruction or damage to property belonging to third parties (property damage);
c) the reasonable expenses aimed to ascertain the circumstances and the degree of culpability of the Insured, if the case is recognized as insured event;
g) expenses associated with the court proceedings on the alleged insurance claims;
e) necessary and reasonable expenses aimed to save the life and property of persons who suffered harm caused by the insured event, or to reduce the damage caused by the insured event.
The amount of the insurance sum depends on the type of hazardous production facilities and cannot be less than specified minimum insurance sums.
The insurance tariff is set as 0.144%. The boost coefficient shall be applied additionally in the amount of 1.5%.
You can calculate the premium for this type of insurance by using calculator set on our website.
4. Compulsory insurance of civil liability of the carrier transporting dangerous cargo
The objectof insurance shall be the property interests of the Insured relating to his obligation established by the civil legislation of the KR, to repair the damage caused to life, health, property of third persons and the environment, in the process of transportation of dangerous goods.
The insured event shall be understood as an accomplished event, with the onset of which the Insured acting as a cargo carrier, shall develop the duty to compensate the damage to life, health, property of third persons and the environment due to usage of the vehicle when transporting dangerous goods and for reasons of sudden, unforeseen and unintended nature, confirmed by submission to the Insured of valid reclamations or claims on compensation of damages from third parties, composed in accordance with the current legislation.
The insurance sum is determined by the contract of compulsory insurance as the sum served as the basis for establishing the amount of the premium and insurance payments.
Total sum of payments for all claims occurring during the term of the insurance contract may not exceed the amount of insurance sum.
The insurance tariff for a particular cargo shall be determined depending on the classification of dangerous cargo, the volume of transporting cargo, type of transport and other factors affecting the size of potential damage and the probability of its occurrence.
You can calculate the premium for this type of insurance by using calculator set on our website.
