Construction and installation insurance against third parties
Occasionally, during construction, financial damage and physical damage to third parties, resulting from destruction operations, excavations, picnics, installation of metal skeletons and other civil works. By obtaining construction insurance, the responsibility of the principal and all executive agents are jointly covered by third parties. The time of receipt and start of construction insurance or insurance of the neighbors begins at the beginning of the demolition and excavation and can continue until the end of construction project construction.
Due to the terms and conditions contained in the construction insurance, risks may be covered at one of the following levels:
• Death
• Maim
• Medical expenses
• Property damage
It also covers the following damages in construction insurance (third party liability insurance):
• Leakage and cracking of adjacent buildings due to the destruction and destruction of the building under construction.
• The collapse of buildings adjacent to the excavation
• Financial damages to furniture and buildings adjacent to the collapse of buildings
• Damage to street and sidewalks and public property including green space
• Damage to underwater installations including gas and telephone lines
• Damage to vehicles passing through or parked around the project due to throwing construction materials
• Personal injury and death of members and medical expenses of neighbors (residents of nearby buildings)
• Personal injury to pedestrians due to the collapse and mortar of building materials
• Damage to third parties entering the building's premises
• Damage caused by decoupage of materials on the street and sidewalk
The steps for obtaining construction or insurance insurance for construction site neighbors are as follows:
1 - Completion of the proposal form by the insurer
2 - Expert of the walls and buildings adjacent to the expert of Iran Insurance
3 - Submission of expert report and expert report
4 - Issuance of the insurance policy by the agent
Computer liability insurance
Noteworthy for all owners of personal and office computers, trade and business units, factories and computer stores and government departments, Iran insurance by providing computer insurance. All physical damages to the computer due to:
Fire, explosion, flood, storm, earthquake, landing and landslide, fall, foreign object encounter, penetration of liquids into transportation components at the place of insurance, fluctuations of electricity flow, robbery with the failure of the amulet up to the value of the computer Covers.
The insurer can provide insurance with a pay-as-you-buy invoice by paying a percentage of the computer's value as a premium for one year. In addition, for those with a significant number of computers, 50 per cent of the computer is 10 per cent, 51 per 100 units, 15 per cent, and up to 20 per cent of premium discounts for up to 101 devices.
Also, for companies, banks and departments, in one part of the insurance policy, all computers are grouped with a list of specifications in the annex list under insurance coverage.
Insurance of civil liability of organizations, managers, employers
Employer's liability insurance All employers are liable for compensation to employees and workers (all employees working in the workshop area - whether Iranian or non-Iranian workers) arising from work incidents and resulting in physical and psychological harm. In liability insurance Employer against employees, the employer puts all liability on employees against employees. All employers are covered by the labor law and all natural and legal persons, including companies, organizations, factories and workshops active in the field of production, repairs and services. As well as project developers and builders Residential and commercial buildings are responsible for physical damage caused by negligence and failure to monitor and use the defective and defective equipment during work and the weakness of the safety measures, and they are in urgent need of the employer's responsibility.
• The main cover of the employer's liability insurance against employees (forced occupation (
o ft
o flaw
• Coverage Coverage Insurance Employer's Responsibility to Employees (Optional Collisions)
o multiplicity of diat
o Missions outside the workshop
o Places dependent on the workshop
o Executors
o motorcycle events completely
o The responsibility of the subcontractors
o Responsibility of supervisory engineers or consultants
o Payment of damages without court verdict
o Payment of medical damages without applying the tariff
o Requests by the Social Security Organization for each worker
o the employer Contractor and ...
o Personal injury to third parties
o The excessive diya increase per year in addition to the amount of obligations purchased in the insurance policy up to 1 year
o Difference in Diy's increase each year in addition to the amount of obligations purchased in the insurance policy up to 2 years
o Difference in Diy's increase each year in addition to the amount of obligations purchased in the insurance policy up to 3 years
o Daily compensation of workers
o Physical injuries to employees due to incidents that are not related to the insured activity
Employer's liability insurance against employees in order to design an insurance policy according to your needs so that in case of possible damage the employer can easily use the insurance policy, the role of a qualified and experienced consultant becomes more colorful. Therefore, before Buy an insurance policy Be sure to consult an advisor with an insurance advisor.
Insurance of the responsibility of domestic transport operators
Insurance of the responsibility of transport operators, according to the statistical road transport statistics yearly published by the Office of Statistics and Machine Services of the Organization of Transportation of Terminals of the country, annually more than 200 million tons of goods in the country through road transport It is located in the following categories: agricultural products, livestock, metal, mining
