The concept of the professional liability insurance

Even the most highly qualified professional can make in their work a professional mistake, for which the answer to the third parties, health, life or property were damaged, have the organization where the person works. Due to the large number of paid services and the increased level of literacy in legal matters has been a recent increase in the number of complaints and claims from customers who were affected by the poor quality of work performed and services rendered.

The concept of property insurance companies and organizations

   Recently, insurance gets a deserved popularity. Our state is on the way other developed countries, where insurance is reliable protection from unreasonable risks of property.

How to keep things dear to us and find peace?

The first thought that occurs when an expensive purchase - insurance of property against various attacks or natural disasters. Because no other way to return the spent money, sometimes even involved in the loan, simply do not exist.

The concept of Transport insurance

Buying an insurance policy, the company addresses a range of challenges: reducing the cost of depreciation of vehicles, protection from the damage done in the event of an accident, guarantee of financial compensation in a situation hijacking. Motor insurance for businesses - is, in particular, the part of your corporate social policy - do you protect yourself and your employees from stress regularly occurring on the road because of incompetence, force majeure.
Insurance contract may be awarded to an individual who is the owner of a car or owning them on other legal grounds (by proxy) in favor of the owner of the car (Beneficiary).
Objects of insurance

The concept of Cargo Insurance

Cargo insurance - property insurance, used to protect the cargo from transport risks (damage, loss, destruction of cargo) during transport from the shipper to the consignee different types of multimodal transport as well as mixed (combined) services.

The concept of insurance of property of citizens

    Under the insurance of individuals' property can be taken for the insurance of the property and / or personal property, including:

• Residential buildings, intended for temporary or permanent residence, including interior trim and engineering equipment.

The concept of Life Insurance

Life insurance - is a time-tested way to protect their long-term well-being. The insurance policy provides you with guarantees of financial stability and a secure future for your family, regardless of the vicissitudes of fate.
Our lives often depend on random events that can not only change our own destiny, but also affect the financial health of loved ones. Health, adequate standard of living of the family, a good education for children, additional pension contributions - all of this is achieved by stable cash investments in various financial instruments: bank deposits, securities, own business in real estate, mutual and pension funds and private insurance. Each tool has its own characteristics.

The concept of accident insurance

Accident insurance - a traditional form of personal insurance, which provides comprehensive protection against the insured economic impact of disability or death occurring as a result of unforeseen and random events. Collective agreement accident insurance are employers for the benefit of its employees. Accident insurance provides for the payment of insurance coverage for the loss of health, or in connection with the death of the insured person from specified events. Insurance coverage for the collective accident insurance may be limited to a period of professional activity or extend the privacy of the insured.

The concept of health insurance

Health insurance, as a way to protect the state of patients' rights to adequate care and protection of their health, has its roots back centuries. It has long been unfair to healers and healing used by fraudsters to severe penalties. Physicians who do not have the requisite skills and knowledge, not only deprived of their right to practice medicine, but fell in the harsh millstone law.

The concept of civil liability insurance

Sometimes the presence of the policy of insurance of civil liability to third parties is a prerequisite for obtaining a visa, for example, for a trip to the ski resorts. But even if you are traveling abroad on another occasion, with a policy of liability insurance you can be rest assured that you will not have to bear additional costs if you accidentally harm third .
Insurance policy for third-party liability covers the following risks:

The concept of personal responsibility Insurance

  Voluntary liability insurance can be divided into several types. The first - professional liability insurance. Professional liability insurance Ogorodov you from the cost of property damage erroneous actions or omissions by representatives of different professions. These professions include: lawyer, accountant, engineer, doctor, notary, a travel agent, architect, and others.

The concept of insurance of commercial risks

Commercial risk - the risk that arises in the process of selling goods and services produced or purchased by the entrepreneur. The main causes of business risk:
- Decrease in sales as a result of falling demand or need for goods sold by the business, forcing his rival products, restrictions on the sale;

The concept of insurance of financial risks

Financial risk insurance is a combination of insurance includes the obligation of the insurer for insurance payments in the amount of full or partial compensation for loss of income (no additional cost) of the insured person, the following events:

The concept of the insurance exchange and currency risks

Insurance exchange risk can act as a form of protection of clients, as well as the exchange itself. These types of insurance are still poorly developed in our country.

At insurance exchange transactions with physical commodity contract can be concluded with the seller and the buyer. Under a contract of insurance entered into by the Buyer, the responsibility of the insurer arises if the seller refuses delivery or delay in delivery beyond the stipulated term. Compensation for such a contract can be of various kinds: the delivery of the insured similar goods, compensation for some of the cost of unearned goods or payment of additional costs for the purchase of goods from other vendors. The right to choose options in indemnity insurer must belong.