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.Insurance companies that liability insurance to compensate the insured damage caused by members of these and other professions. Also many important may be liability insurance and liability insurance for tour operators builders. The next type of liability insurance can provide liability insurance - insurance of third party liability. The third type - the insurance product liability. Insurance compensation, the person who is of the acts or omissions of the insured received damage.
Liability insurance can minimize any possible losses caused by third parties. Insurance Brokers' flagship insurance "program offers reliable insurance companies Spb liability insurance and public liability insurance at competitive rates.
Luxury or necessity?
The damage can cause any person, even the most accurate and prudent. The reasons for this can be many: negligence, carelessness, forgetfulness, inattention, etc. In order to load the material in the case of compensation for damage to anyone not jeopardize all your life plans, and there is this kind of insurance.
Insurance are generally low fees - an average of 75 per year for a family, but also compensate for the damage caused to you as a pedestrian or cyclist in traffic, as well as damage to the residential premises rented by you or your neighbors, if, for example, due to a damaged drain or hose of your washing machine leaked water.
A somewhat less common, but do not lose their importance is liability insurance for owners of dogs and horses, hunters and owners of water transport, the owners of land and buildings, the owners of the building, the owners of oil tanks. In each case requires expert advice and appropriate agreement.
The importance of insurance against damage to third parties has been repeatedly emphasized by the media in Germany. Finanztest Journal wrote: "If you do not have warranty coverage, then enclose it mandatory. This contract - one of the most important." The same conclusion was reached once and the judge who heard the case of a traffic accident. Pedestrians crossing the street in the wrong place, did not see the motorcyclist. The motorcyclist tried to avoid a pedestrian last minute, but lost control as a result of trauma was paralyzed.
Another tragic circumstance in this case was that the responsibility pedestrian guilty of what happened, was not insured. The injured motorcyclist does not have the funds to effective treatment, resulting in a pedestrian had a lifetime to pay for expensive treatment of the victim. Here is a tragic event, and not with everyone there is. However, the small troubles that occur in life, bring not less hassle and frustration. A child injured in at a friend's expensive thing, burst pipe in the washing machine at the store shelf accidentally tipped with expensive sets or occurred accident. In each of the above and any other case, the payment of the insurance company takes over the damage.
What to look for?
When a contract is important to remember that not all rates are the same and not just the price is crucial. Much more important is the amount of protection provided. Recently, the market has many new interesting proposals. To maintain its competitiveness, the insurance companies often offer very competitive low-cost policies, which is natural in the hand of consumers.
The most complete insurance protection includes policies, including the following:
- Damages its own insurance company, where the liability of the perpetrator, to cause you harm, not insured, and he has no money - Ausfalldeckung;
- Compensation in a certain amount of damage caused to children under 7 years old are not responsible under the law;
- Compensation in case of loss of a key to the house or office;
- Insurance coverage during visits abroad;
- Liability insurance residential car - Wohnwagen;
- Liability insurance for the repair or reconstruction of his house;
- Damage resulting in temporary holding another's dogs are excluded only dog breeds wrestling;
- Damage caused during your stay at the hotel or in their rented vacation home;
- Losses associated with exposure to gases, vapors and liquids;
- Damage resulting from renting apartments, garages or production facilities in a building;
- Providing insurance protection to persons in need of constant care and lives with you.
If you do not already have an insurance contract liability, it refers to its conclusion very seriously - it is possible that in the future it will save you a lot of nerves and money. Compare offers 2 or 3 insurance companies in terms of protection provided and the cost of the policy and make the final selection.
