What is the employer's liability insurance?
In general, any type of activity that is performed may have involuntary financial and life risks for the personnel. In general, in the employer's liability insurance, the unintentional risks and problems that arise for the personnel and in which the employer is responsible according to the labor law are covered. .
What are the risks in the employer's liability insurance?
In the employer's liability insurance, all physical injuries to personnel, including medical expenses and wages, which arise as a result of the professional activity of workers or employees, are covered, provided that the employer's liability is verified in the competent authorities.
What are the risks of employer liability insurance?
In the general conditions of liability insurances, there is a part called exceptions, which in case of damage or accidents as a result of the risks listed in the exceptions section, these risks are not covered, the most important of which are: 1- Damages caused by the employer's willfulness and fraud or personnel 2-Damage caused by explosion and nuclear radiation 3-Damage caused by war, rebellion, strike, chaos, riot and revolution 4-Damage caused by violation of government laws and regulations (criminal liability)
What are the necessary documents for the employer's liability insurance damage?
Clinical documents of the injured (original or copy of the original) employer's documents (official newspaper + identification documents of the managing director and representative) identification documents of the injured, social security list of the month before the damage, the month of the damage and the month after the damage, the court decision in case of non-purchase Coverage for payment of damages without a court order or death damages
What is the reason for the rate difference in responsibility insurance?
Currently there is no tariff and insurance companies define rates according to themselves. For example, for construction liability insurance, the rate is determined based on the square footage. In the field of employer's responsibility towards industrial, service, commercial employees, the rate is calculated based on the number of people (fixed and minimum number of people). In construction projects, due to the existence of four job classes or in other groups, the classification of jobs is different, and according to which group a person is classified according to his job, the same amount of insurance premium is determined. This amount is determined based on the labor force ratio and the type of activity and other parameters. Each clause also has different percentages. Due to the competitive situation and the limited nature of this market, some companies may consider very large discounts for liability insurance policies.
How much is the liability insurance franchise? Is it possible to enter the franchise in this zero insurance policy?
The liability insurance franchise does not have a minimum or maximum limit and it is also possible that the liability insurance policy does not have a franchise. In the civil liability insurance policy of the vehicle, there is no limit on the number of payments. Why is there a limit in the liability insurance and the policyholder must receive the multiple payment clause separately? In the liability insurance policy, based on the obligations of the insurance policy, these obligations include the normal month, the forbidden month, and medical expenses. This table is common among all insurance companies. Each of these clauses can be provided up to the limits of the obligations entered in the table of private conditions of the insurance policy.
What is the insurer's insurance insurance against third parties (Close 4)?
The insurer can cover third parties who have nothing to do with the accident site in the policy of the insurer's liability for third parties. During this insurance policy and in the event of an accident, it is possible to provide damages to a third party.
How much is the minimum amount of day covered by daily compensation?
The amount of this item is determined in form one/six provided by social security. Based on this form, the degree of disability is diagnosed. Of course, in this case, the judgment of the judicial authority is also important. Also, by referring to the text of the Clause and the diagnosis of the insurer's trusted doctor, it is also possible to determine the damage at the time of disability. The amount of this type of coverage is determined based on the level of employees and the agreement between the insurer and the insured.
Is it in the liability insurance to foreign nationals unauthorized?
Yes, if foreign nationals are injured, they will be compensated like other Iranian employees. Currently, when some insurance companies want to pay the damages for these people, if it is a real person, it is necessary to enter their national code, and if it is a legal person, they must enter their national identification number. If this person is a foreign national, they must enter his national code. This issue is done due to tax controls and audits. However, people who are in the group of foreign nationals without a permit do not have a national code, but this issue is not a reason for the insurance company's non-obligation in front of these people. But in order to pay damages to these people, it is necessary to file a lawsuit and provide the required account number from the court. In addition, the insurer must be convicted in this lawsuit, and after receiving the deposit ID, the amount of the damage will be deposited into the court account.