Sunday 4 November 2012

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:



    death, disability, injury victim (physical damage)
    the destruction or damage of property belonging to third parties (property damage) caused by the insured unintentionally.

Paid as compensation:

I calculated refund in the amount stipulated by the law of tort.
Value of the policy

    cost of the policy depends on the insured amount and the duration of the trip;
    calculated for each day of the trip in U.S. dollars or euros, depending on the chosen currency of the insurance contract.
When fire and other accidents in the apartment or in the country often suffers and property neighbors, the fire could spread to neighboring apartments and land, and the water and the foam that firefighters use to extinguish the fire, as would damage not only to the victims of the fire, but also to those who live with him. Ripped off the tap can also bring a lot of trouble the whole porch, and a broken sewage - the whole villa outside.

That means the owner or lessee of such "unlucky" housing will not only have to spend money to restore their own property, but also to pay damages to neighbors - and this is his civil liability to third parties.

    Professional liability insurance:
        Appraisers;
        Auditors;
        Notaries;
        Insolvency administrators;
        Builders.
    Liability insurance for breach of contract, including insurance state contracts:
        Liability insurance for any failure to fulfill the obligations of a state or municipal contract under "On placing orders for goods, works and services for state and municipal needs" in determining insurance of government contracts as a way of ensuring its implementation;
        Liability insurance for any failure to perform the obligations under the contract of sale of the tourist in line.
 determining liability insurance for tour operators as a way to guarantee the performance tour operators.
    Liability insurance for damage to third parties:
        During the performance of work, rendering of services;
        During operation of the building (the building).
    Liability insurance for the quality of products (works, services provided).
    Liability insurance for injury as a result of violation of sanitary norms epidemiologichekih.
    Other kinds of liability insurance.