Voluntary protection of your business against third-party claims
The policy pays for harm your operations cause to the life, health and property of people and companies outside your business. Under the law the company pays — even when a single employee made the mistake. From UZS 200,000 a year.
The policy insures your obligation to compensate harm caused to the life, health and property of third parties in the ordinary course of your operations.
Bodily injury, disablement and other harm to the health of an outside person that led to loss of working capacity or death.
Physical damage to someone else's property that destroyed it or reduced its value.
Losses connected with dealing with the demands that third parties bring against you during the policy period.
Court costs and expenses in third-party compensation cases, provided they were agreed with the insurer in writing.
You choose the limit of liability and the deductible
Every notification is reviewed against the circumstances of the incident, the claim of the injured party and the documents submitted.
The life, health or property of persons who neither work for you nor have a contract with you was affected.
The claim concerns harm caused during the insurance period stated in the policy.
The duty to compensate is confirmed by a court or established while the claim is reviewed. You may not pay the injured party without the insurer's written consent.
The contract covers the obligation to compensate harm to the life, health and property of third parties. Compensation is the loss established on the claim, never above the sum insured.
Third parties are visitors, neighbours, other companies and the state. Your own employees are not among them — harm at work is covered by employer liability insurance.
In the course of your operations an outside person was injured or someone else's property was damaged.
Report the incident within 48 hours and send a written notice with supporting documents within ten calendar days.
The injured party files a demand. The amount of harm is confirmed by reports, expert opinions and documents from the competent authorities.
The insurer recognises the event, the parties sign the insured-event report, and the payment is transferred within fifteen banking days.
The policy matters wherever outside people and other people's property meet your operations. It is most often bought by:
Logistics and warehousing. A forklift collision, a collapsing rack, damage to someone else's equipment or cargo inside the facility.
Manufacturing. Textile, flour and food producers, building materials: a breakdown or a fire reaches neighbouring premises.
Healthcare and pharmaceuticals. Harm to a visitor on the premises of a clinic or a pharmacy, damage to a client's property during service.
Retail and catering. A visitor injured in the hall, damage to a customer's belongings, flooding of the neighbouring unit.
Property management. Falling facade elements or ice, a failure of building systems, harm to passers-by and adjacent premises.
Contractors and service companies. Damage to the client's and outsiders' property while working on someone else's site.
Your line of business and years of experience are stated in the application form: the rate and the list of risks depend on them. Separate sub-limits for life and health and for property can be added.
The premium is a percentage of the limit of liability you set yourself: the larger the limit, the lower the rate.
A shop, a café, a pharmacy, a small service point or a warehouse: visitors and neighbours are next to your operations every day.
Manufacturing, logistics, medical centres and property managers: claims are rarer but cost far more.
Industrial groups, major contractors and companies with international contracts, where the counterparty sets the required limit.
The figures are indicative and do not constitute an offer. A specialist calculates the exact sum insured and rate from the application form and your company's details.
harm to the life and health of third parties: bodily injury, disablement, loss of working capacity or death
material damage to third parties: damage to their property that destroyed it or reduced its value
losses connected with settling claims brought by third parties during the policy period
court costs and expenses in compensation cases agreed with the insurer in writing
Compensation is the loss established on the claim, never above the sum insured. An unconditional deductible is subtracted from the payment.
harm to the policyholder's employees while performing their work duties — that belongs to compulsory employer liability insurance, not to this policy
moral damage suffered by the injured party
damage to property the policyholder holds itself, including owned, leased and property taken into storage
penalties, fines and default interest the policyholder pays under its own contracts
losses for the period when the right to carry out the insured activity was suspended or withdrawn
intent of the policyholder or of the injured party, nuclear explosion and radiation, military action, civil war, civil unrest and strikes
The full list of exclusions is set by the contract, the insurance rules and the legislation.
«Civil liability» appears in the names of several policies, and they do not replace one another. The general one is the only voluntary one: it covers harm to outsiders from your ordinary operations, not one risk defined by law.
Compulsory. Harm to the life and health of your own employees at work — exactly what this policy excludes.
Compulsory. Answers for harm to passengers and their luggage during carriage, and only for carriers.
Compulsory. Applies to an accident at a registered hazardous production facility, not to an ordinary incident.
Voluntary but narrow: it pays for the financial loss a client suffers because of a specialist's mistake — an auditor, a realtor, a tax adviser.
The contract is concluded on the basis of an application form. To assess the risk a specialist will clarify the nature of your operations and the terms you need.
Your main line of business and how many years the company has worked in it — the rate depends on this directly.
Whether a contract was concluded before, who the previous insurer was and which risks were covered.
Whether any compensation was paid under earlier general liability contracts.
The overall sum insured and, if needed, separate sub-limits for the life and health of third parties and for their property.
Where the policy applies: a specific site, a region, or the whole territory you operate in.
The insurance period, the order and form of premium payment, the type and size of the deductible.
The contract is concluded on the basis of an application form containing accurate and complete details of the policyholder's operations.
Fill in the application form: line of business, experience, the limits you want, the deductible and the territory of cover.
We set the sum insured and sub-limits, the list of risks, the size of the deductible and the premium rate.
The premium is paid within ten banking days of signing the contract — in one instalment or on an agreed schedule.
The policy is issued within three days after the premium reaches the insurer's bank account.
It is voluntary insurance under which the insurer compensates harm caused by your operations to the life, health and property of third parties. It belongs to class 13 of the general insurance branch and is concluded on the basis of an application form and the EUROASIA Insurance rules. The object of insurance is the policyholder's property interests connected with the duty, established by civil law, to compensate such harm.
Under civil law, harm caused to a person or to property is compensated in full by whoever caused it: Chapter 57 of the Civil Code, Article 985. Harm caused by an employee performing work duties is answered for by the company, not by the employee personally — Article 990. And whoever carries out an activity that creates increased danger for those around answers even without fault — Article 999. The policy transfers that duty to the insurer within the limit you choose.
Individuals whose life, health or property has been harmed, as well as legal entities and the state whose property has been damaged and which are not in contractual relations with the policyholder. The policyholder itself, members of their family, their employees and any individuals or legal entities acting on their behalf are not third parties.
The premium is a percentage of the sum insured. As a guide: a small business with a limit of UZS 30–100 million pays from UZS 200,000 a year at a rate of 0.5–1.2%, a mid-sized one with a limit of UZS 0.5–5 billion from UZS 2.5 million at 0.3–0.7%, and large companies with limits from UZS 10 billion from UZS 20 million at 0.1–0.3%. These are indicative figures, not an offer: the exact rate is calculated by a specialist once we have the application form and the details of your company, and depends on the line of business, years of experience in it, the loss history, the deductible and the territory of cover.
The sum insured is the maximum extent of the insurer's obligations under the contract, and you set it yourself. Use as a guide the largest loss your operations could realistically cause to outsiders: the value of the neighbouring premises, of someone else's equipment on site, the flow of visitors. The contract can also set separate sub-limits: for the life and health of third parties and for their property. A specialist will help you settle on the limit once the application form is in.
A deductible is the part of the loss the insurer does not pay. It can be conditional or unconditional: with a conditional deductible the insurer is released from payment if the loss does not exceed it, while with an unconditional one its amount is subtracted from every payment. It is set as a percentage of the sum insured or as a fixed amount and applies to each loss or to all losses from one insured event. The higher the deductible, the lower the premium.
No. Harm caused to individuals who are in an employment relationship with the policyholder while performing their work duties is excluded. Employees are covered by a separate compulsory class — compulsory employer civil liability insurance (OSGOR).
Moral damage. Damage to property the policyholder holds itself, including leased property and property taken into storage. Penalties, fines and default interest under its own contracts. Losses for the period when the insured activity was suspended. Events are not insured if they arise from the intent of the policyholder or the injured party, a nuclear explosion or radiation, military action, civil war, civil unrest or strikes.
Notify the insurer by phone or any other available means no later than 48 hours from the moment you learn of it, and within ten calendar days send a written notice setting out the causes and circumstances of the event with the supporting documents. Take reasonable and available steps to reduce the harm, report to the competent authorities and keep every document relating to the event. Important: until the insurer gives written consent you must not admit liability, take on obligations towards the injured parties or make any payments to them.
On the basis of the documents submitted, the insurer decides whether to recognise the insured event and draws up a report setting the amount of compensation. The payment is transferred within fifteen banking days of the report being signed — to the beneficiary or to the policyholder as the parties agree. For late payment the insurer pays default interest of 0.1% of the overdue amount per day, capped at 10%. If criminal, civil or administrative proceedings have been opened over the event, the decision may be deferred until the competent authorities rule.
Usually one year with subsequent renewal. The contract takes effect on signing provided the premium is paid on time; it is due within ten banking days. If the payment is more than fifteen banking days late, the insurer's obligations are suspended and it may terminate the contract. Early termination requires a written request thirty calendar days in advance.
Yes. The insurer that has paid the compensation acquires, within the amount paid, the right of claim the policyholder or the beneficiary holds against the party responsible for the damage. The policyholder must hand over all necessary documents and assist in exercising that right. If the policyholder waived the claim or made it impossible to exercise through their own fault, the insurer is released from payment in full or in part and may demand back what it has overpaid.
Tell us about your operations — a specialist will help you choose the limit and price the cover.
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