When the object of insurance liability insurance is the property interests associated with reimbursement of the insured (the insured) caused harm to life, health or property of third parties.

General civil liability insurance to third parties

The object of insurance general liability to third parties is the responsibility of the Insured \ insured for damage to property, life and health of third parties. Liability insurance, providing insurance protection in case of submission of the insured third party claims asserted in accordance with applicable legislation with respect to compensation for property damage.

Liability insurance producer, producer services

The object of liability insurance the manufacturer of the goods \ services it is responsible for any damage person or property, which arose from the use of the goods they produced \ services.

In recent years we have seen an increase in the number of claims consumers affected by the defect of a product, the manufacturers and sellers. Experience shows that in most cases the court decides in favor of the consumer. This means that the respondent company had to compensate for the damages and court costs. But in addition to financial losses such suits threaten to have and the reputation of the company and its brands.

Avoid scandals, lawsuits and contingencies is possible if the advance to insure responsible for the quality of goods and services.

Insurance cases:

recognition of sound brought against the insured claims for damage to life, health or property (including the environment) of the victims;

fact incurred, the insured (person responsible) court costs in connection with causing damage to life, health, property (including the environment) of the victims, because of product defects (the result of works, services), or false or insufficient information about the goods (works, services) entailed the presentation of the insured (person responsible), based on the requirements of his compensation;

fact incurred, the insured (person responsible), the cost of product recall in connection with causing damage to consumers in connection with the recall of manufactured / sold goods by identifying gaps in it, that inflicting harm or threat of harm caused to life, health, property (including environmental environment) of consumers.

Insurance risks:

design, prescription or other defects produced / sold the insured (person responsible) product (result of work done by him, provided services to them);

unreliable or insufficient information about the product (work, service) made / sold (performed, rendered), the insured (person responsible).

Insurance compensation includes:

damage caused by the destruction of or damage to property;

harm to life, health, the size of damage and the procedure for recovery, the timing and frequency of payments, as well as a list of persons entitled to compensation in case of death of the victim, determined in accordance with the laws of the Republic of Belarus;

court costs;

reasonable and justified costs to reduce losses to be recovered;

in cases of revocation of the goods shall be reimbursed following documented expenses:

consumer information and the official public notice of the defects discovered the goods;

for the detection of goods sold;

for withdrawal of goods from the consumers.

The insurance contract is concluded for a period of one month to one year.

Insurance of liability of directors and officers (Directors & Officers liability - D & O)

The object of the insurance liability of directors and officers is the responsibility of managers of the company for any damage the company's shareholders as a result of mistakes made in managing the company.

Professional liability insurance.Main article: Professional Liability Insurance

The object of professional liability insurance are the wrong actions of professionals, that can result in events that lead to damage.

Employer's liability insurance

The object of insurance is the responsibility of the employer's liability for damage to property, life and health of their employees.

Liability insurance for environmental harm

The object of the insurance liability for environmental harm is responsible for the sudden and unforeseen damage to the environment that occurred as a result of actions of the  Insured.

Liability insurance of motor vehicle

Liability insurance includes damages to the party injured in a road accident caused by the Insured. The insurer shall pay the actual costs caused by an insured event, but no more than the sum insured under the insurance contract.

Insurance of liability of the owner of the vehicle when going abroad

Main article: Green card (insurance)

Civil liability insurance of the owner of the vehicle, leaving for his car abroad.

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