1-    Physicians and Para-physicians professional risk insurance

This is referred to the insured professional civil responsibility against those who become subject to physical or mental damages or Death due to the error, mistake, default and/or negligence of the insured in fulfillment of medical affairs.

Note- the Para-physicians job descriptions as per each discipline determined by the ministry of health shall be an integral part of the relevant policy.

Details of covered risks and damages:

Considering the terms and conditions mentioned in the policy, the risks may be covered in one of the following Method:

Death and impairment:

Documents required for purchasing the policy:

Filled-in questionnaire: most of the information required by the insurer to notify the insured the relevant rates and terms is provided through filling the offer form (questionnaire). In most cases, by observing the completed form, the insurer notifies the insured the rates and terms. In this form, the project basic information such as: term, workplace, work subject-matter geographical location may be extracted.

1.1. No-claim bonus shall be applied as per the following upon policy extending:

1.2. those physicians and para-physicians whose responsibilities are covered in groups and through a single policy shall be subject to the following group discount:

2-     Employer’s civil risks against employees

According to Iranian civil code, all the people of the society, whether natural or legal, shall be held responsible against the damages and losses imposed to the others and shall compensate for the same. The purpose of civil responsibility insurance is to compensate for the damages inflicted due to the default and mistake and/or risky activity of the insured to the others. In this insurance, the covered damages include physical and financial damages.

Considering the terms mentioned in the policy the risks may be covered in one of the following Method:

-         In case during the works at workplace the insured employees are imposed with physical damages and the responsibility of the insured in this regard is proved, then such damages shall be compensated. Physical damages are referred to paying medical costs and impairment and death compensations of the employees.

-         Physical damages resulted from negligence and default in supervision and using unprotected and defected tools during works and weakness of safety precautions

The constructional contractors may provide coverage for their responsibilities against the physical damages imposed to their workers in the relevant workplace.

Physical damages imposed to production and industrial units laborers are covered. In order to do so, in case of accident resulting in death or injury, the insurer shall compensate for the same.

Insurance coverage shall be limited to those events resulted from works performance at the insured workplace.

3-    civil responsibility resulted from constructional works insurance

Insured risks: physical and financial damages imposed to third parties resulted from the insured civil responsibility during constructional works at site thereof, provided that to prove such risk.

Article 2- in addition to the issues mentioned in the policy, all the legal or natural parties who are implementing any or the entire of the works insured thereof as the insured party.

Details of covered risks and damages:

Considering the terms mentioned in the policy, the risks may be covered in one of the following levels:

Death- impairment- medical costs- financial damages

4-     supervising, designing and calculating engineers professional civil responsibility insurance

The insured coverage against the owner, third parties and laborers of constructional project; i.e. in case due to insured professional negligence, default, error, violation and mistake any at the site of the subject of calculation, designing and supervision any damages are imposed to the said people, and the insured is considered as the responsible party, then the insurer compensates for the same.

5-     Domestic carrier's professional civil responsibility insurance

It refers to the insured professional civil responsibility against the shippers and/or good owners by virtue of the bills of lading issued, resulted from the occurrence of the insured risks in this contract for which the insured is considered as the responsible party.

The contracted obligations of the insurer shall commence after loading completion at the origin and finish upon offloading starting at the destination mentioned in the bill of lading,

6-    Kindergarten principals civil responsibility insurance

It refers to the insured civil responsibility regarding physical damages imposed to the kindergarten children, i.e. in case of inflicting any physical damages to such children using the services of the kindergarten, then by due observance of the terms and conditions of this contract the insurer shall compensate for the same.

7-    Hospital technical managers civil responsibility insurance

It refers to the insured civil responsibility against patients, third parties and their beneficiaries, i.e. in case of any accident during their defined duties by the ministry of health, and the manager is held responsible for the same, then the insurer shall compensate for the same.

8-    Swimming pools lifeguards and managers civil responsibility insurance

The insured civil responsibility to compensate for the physical damages imposed to pool users as per the stated domicile.

Note- in case the lifeguards are employees of the insured then their civil responsibility shall be deemed as the civil responsibility of the insured party.

9-    Vehicle CNG combustion system installer civil responsibility insurance

Vehicle CNG combustion system installer civil responsibility insurance policy against clients and third parties; i.e. in case of inflicting any damages to the users of vehicle and third partie4s and their properties due to default by the insured and his employees in installing, testing and/or failure if CNG combustion system, then the insurer shall compensate for the same.

10  - Sports complex managers civil responsibility insurance

It is referred to insured (club/ sports complex …) civil responsibility regarding the physical damages imposed to third parties (users/ fans/ coaches); i.e.  in case of inflicting any damages to the users/ fans/ coaches and the insured is held responsible for the same, then the insurer shall compensate for the same.

11  - Car park managers civil responsibility insurance

It is referred to insured (…) civil responsibility regarding the physical damages imposed to third parties; i.e.  in case of inflicting any physical and financial damages (fire, theft, broken glass, chemicals, fallen objects onto the car, partial thefts, etc.) to the third parties and the insured is held responsible for the same, then the insurer shall compensate for the same as per the general conditions of the policy and civil act ratified in 1960 and insurance act ratified in 1937.