Liability insurance for objects of increased danger

Liability insurance of facilities of increased danger is a type of insurance intended for owners or operators of the facilities which activities are associated with an increased risk for third parties or property.

This type of insurance is regulated by Resolution of the CMU dated November 16, 2002 No. 1788 "On approval of the Procedure and rules for compulsory civil liability insurance of business entities for damage that may be caused by fires and accidents at high-risk facilities, including fire-explosion-hazardous facilities and facilities where economic activity may lead to environmental accidents and of a sanitary-epidemiological nature".

Purpose: protection of the policyholder from financial losses that may arise as a result of his or her liability to other persons or organizations due to damage caused to their property or health.

Who can insure?

Business entities that own high-risk facilities, have full economic control or operational management, and use or own high-risk facilities.

What facilities are subject to insurance?

A high-risk facility is a facility where one or more hazardous substances or categories of substances are used, produced, or transported in quantities equal to or exceeding the legally established mass threshold, as well as other facilities as such, which, according to the law, are a real threat of an emergency situation of man-made and natural nature.

What is an insurance event?

Damage to life, health and property of third parties, natural resources as a result of:

  • fires;
  • flooding;
  • emission of harmful substances;
  • an explosion at the enterprise or on the pipeline;
  • breaching of dams;
  • other accidents.

Why is it necessary to purchase a liability insurance policy for facilities of increased risk with IC AXIOMA?

Increased risks are associated with facilities of increased danger, such as factories, plants, chemical enterprises, airports, etc. In case of an accident, fire or other events that may lead to material damage or casualties, you may face large financial costs. IC AXIOMA has an individual approach to each client, taking into account your wishes, field of activity, experience, and will select insurance coverage for you that will guarantee your protection in any situation. For your convenience, all IC AXIOMA insurance contracts are in your personal cabinet, which you have access to 24/7.

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