What is the difference between the employer's civil liability insurance against the employees and the accident insurance?
Liability insurance is an insurance that a person transfers the responsibility he has in the community or in front of the people under his command to the insurance company. That means, for example, if your worker has an accident while working, you are responsible (apart from the percentage of the worker's own fault) and in case of a complaint against you, he must be paid compensation, which the insurance company will do by purchasing liability insurance. In accident insurance, no premium is paid and only a certain capital is paid in case of death or disability or medical expenses up to a certain amount.
Why not pay the insurer in the liability insurance?
In the liability insurance policy, the damages caused by the liability of the insured are actually insured. Therefore, the damage caused to himself cannot be paid. Like third-party insurance that does not pay the damages to the driver who is responsible for the accident.
Are the financial damages to clients in the civil liability insurance of hospitals and medical centers?
In this insurance policy, the civil liability of the technical manager of the hospital is insured against patients and third parties. That is, if during the work of the technical officer of the hospital, an accident occurs that leads to physical damage to patients and third parties, and the insured is legally responsible for compensation, the damage will be compensated through this insurance policy. This insurance policy only covers physical damages and will not cover financial damages of any kind.
What is the difference between insurance and anonymous insurance?
One of the major differences between named and unnamed liability insurance is that in named liability insurance, the exact names of the insured persons are stated in the liability insurance policy and only in the event of an accident, compensation is paid for these persons. But in an anonymous case, the employer specifies the number of his employees and submits a request to cover the risks for the employees present in the place anonymously, and under the terms of the insurance policy, up to the number of people declared during the policy period can receive damages, each of these people The personnel can be those who have been in this place since the beginning of the insurance contract or have been added to the staff later. But the number of employees in this insurance policy is fixed. Note that unnamed liability insurance premium is more expensive than named.
What is the coverage of the multiplicity of Diath and Diam in Liability Insurance?
According to the Islamic Penal Code, each of the organs of the body has a definite and specific compensation, and in cases where several organs or organs are damaged at the same time, the total compensation may exceed the compensation for the death of a person; For example, becoming blind in both eyes and deaf in both ears at the same time has two full Diyas (one Diya each); This is despite the fact that the death of the same person has a death penalty. In simple words, if the injury resulted in death, only the death penalty will be calculated. It is integrated into the death compensation and is not calculated separately, but the compensation for other injuries of the injured person that did not have a role and effect on the death of the injured person will be calculated separately in addition to the death compensation. For example, if the victim suffers a skull fracture as well as a leg bone fracture and then dies due to the skull fracture, the skull fracture compensation is merged into the death compensation and the person responsible for the accident will be sentenced to pay the leg fracture compensation in addition to the death compensation. Therefore, due to the possibility of accidents that lead to the injury of several members and the increase of the ransom amount, as well as the lack of coverage of this issue in the main obligations of the insurance policy, it is necessary for the respected policyholders to expand their insurance coverage by purchasing Clause No. be more secure.
What is the coverage of the mission outside the workshop in liability insurance?
The obligations of the insurance policy are related to the events that happen in the insured place; This is despite the fact that if the employees under the orders of the employer have an accident outside the insured place and while performing the mission, the employer will be responsible for compensation; therefore, employers whose job conditions require their employees to be sent out of the workshop as agents. Senders should increase their insurance obligations by purchasing this cover and providing the names of these people.
What is the Coverage of the Number of Employees in Liability Insurance?
If the insured does not inform the insurer of the increase in the number of workers in the workshop and an accident occurs, the damage will be calculated based on the relative rule of the insurance premium and will be paid less than the actual amount. In the formula of the relative premium rule, the damage payable by the insurance company is equal to the product of the damage amount divided by the fraction, whose numerator is the premium paid by the insured and the denominator is the correct premium of the insurance policy based on the number of actual workers. In order to prevent the consequences of not receiving an additional increase in the number of workers during the insurance period up to 20% of the declared workforce, the above clause has been designed and offered. Obviously, if the increase in the workforce is more than 20%, the insured must notify the insurance company in order to receive a supplement.
What is the coverage of the wages paid to the expert or the Board of Directors?
After the accident, it is the responsibility of the accident expert to determine the culprit or culprits of the accident and also to determine the percentage of fault of each of the culprits. After announcing the opinion of the expert, it is possible to object to his opinion and examine the issue by a three-member expert team or even in the next stages, five or seven members. In such cases, paying for the expert or expert team will be the responsibility of the objector. By purchasing this cover, the cost of protesting the opinion of an expert or expert panel will be paid by the insurer.
