If a worker has an accident outside the workshop, will the employer's liability insurance pay him compensation?
The general form of damage caused by a vehicle accident is one of the exclusions of the employer's liability insurance policy, unless the policyholder covers the said damage by purchasing additional coverages.
Is it possible to use liability insurance against claims by third parties in cases such as water pipe bursting, the roof of the downstairs neighbor falling, etc.?
The coverage of these risks is foreseen in fire and general liability insurance policies.
Is it possible to use the no loss discount in liability insurance?
In these insurance policies, for each year that passes without damage, the insurer includes 10% in the insurance policy of the following year and a maximum of 20%. Asia Insurance : If a workshop has liability insurance and a worker is injured on a car that does not have a third-party insurance policy belonging to that workshop, will that worker be entitled to compensation or medical expenses through liability insurance?
Accidents Ward can be paid to employees due to contractor machinery located in the workplace under Clause 004 (accidents caused by motor vehicles).
Is it possible to insure kindergarten employees in the liability insurance of kindergarten managers?
Yes, kindergarten employees can also be covered by the liability insurance of kindergarten managers by paying an additional premium, but it is better to use a separate civil liability insurance policy of the employer for employees.
In professional liability insurance for engineers, how is the premium amount calculated if an engineer obtains insurance coverage for all three fields of supervision, design and calculation (provided he has the relevant license)?
If the policyholder does not want to continue the contract before the end of the insurance contract, the minimum payable amount is equal to the amount mentioned in the policy table, first the insurance premiums of each field are calculated and added together, then the total insurance premium is 40% A discount is given. Also, if an engineer applies for coverage of two disciplines, he will benefit from a 15% discount on the total insurance premium of two disciplines.
If a worker has an accident outside the workshop, according to which clause of the employer's liability insurance, compensation will be paid to his worker?
According to the clauses of missions outside the workplace and related places, the damage will be compensated When the employer has social security insurance for his employees, why does he need to buy liability insurance? Social security only covers medical and disability expenses and also in case of death of the insured, it is a pension payment to the family and it has no obligations in the field of compensation and disability of the employees under the command and this is one of the obligations and responsibilities of the employer. p>
In case of employer's liability insurance, in case of unintentional mistakes and negligence of employees in the covered area, is the employer responsible?
All accidents within the geographical area of the insured place are covered in case of negligence.
If the insured worker is guilty of the accident, but not intentionally, is it included in the insurance coverage and compensation?
During his work, his leg gets stuck somewhere and he falls and breaks his leg Yes, considering that the insurance policy is based on the theory of risk.
What is meant by insurance clauses in liability insurance?
It means the supplementary coverage of the insurance policy. For example, in the employer's liability insurance policy, the main coverage includes compensation for death and disability and medical expenses, but the purchase of the main coverage alone does not cover all the cases desired by the employer. Therefore, if requested by the policyholder, additional clauses are also covered by receiving an additional insurance premium
What is the coverage of increase in liability insurance?
In liability insurances, the insurer undertakes to pay the death compensation, limb disability or related medical expenses in case of the realization of the risks included in the insurance policy, up to the maximum amount specified in the private conditions of the insurance policy and after proof of responsibility. Therefore, the physical damages of the mentioned insurances are covered under the title of compensation and not the payment, although the compensation limit is a function of the payment amount at the time of the insurance contract. At the same time, in order to compensate for losses beyond the limit of obligations due to the increase in the amount of the down payment and the delay of the proceedings (day payment), insurance companies start to provide additional insurance coverage for the increase of the payment rate, which, if purchased, will compensate for the difference between the commitment limit and the day payment. Elada will also be paid by the insurer.