Liability in the operation of high-risk facilities
We provide insurance coverage and compensate for material losses related to the civil liability of business entities for compensation for damage caused to life, health and property of third parties, including the environment (natural resources, territories and objects of the nature reserve fund), as a result of fires and accidents at high-risk facilities
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Protection against risks
Damage to property
We compensate for the expenses incurred by a person in connection with the destruction or damage to property that was in his/her possession or use at the time of the insured event, including natural resources, territories and objects of the nature reserve fund
Damage to health
We compensate for the costs of treatment, lost earnings (or their reduction) as a result of disability, and additional costs of health recovery
Damage to life
We compensate for the lost part of the earnings in case of loss of the breadwinner and funeral expenses
Additional information
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An insured event is considered to be direct damage to third parties as a result of a fire and/or an accident at a high-risk facility during the term of the compulsory insurance contract.
Benefits of insurance in INGO
Reliability
Automatic reinsurance protection from international reinsurers with a reliability rating of at least A- (A.M.Best) / A+ (S&P)
Experience and compliance
30 years of experience. INGO's insurance terms and conditions comply with general international requirements or the requirements of a specific contract
Support at all stages
We provide high-quality insurance coverage and comprehensive support at all stages of the insurance contract: from its conclusion to the completion of the settlement of the insured event
Responsibility
Insured
Features of determining the sum insured
The sum insured is determined separately and for each high-risk facility in accordance with the hazard category and amounts to:
- For a group of objects of hazard category 1 - UAH 11,560,000
- For groups of objects of hazard category 2 - UAH 4 046 000
- For groups of objects of the 3rd hazard category - UAH 2,601,000
The level of financial stability of INGO
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outlook - «Evolving»
8.12.2023
outlook - «Evolving»
8.12.2023
Frequently asked questions
In this section, we have collected the most frequently asked questions from our clients. If you do not find the information you are interested in, please use the feedback form.
What is the cost of insurance?
The cost of insurance is determined by law. The maximum insurance rate for 12 months is determined depending on the hazard category of the high-risk facility and is as follows
- for groups of objects of hazard category 1 - 0.44% of the sum insured
- for groups of objects of hazard category 2 - 0.18% of the sum insured
- for groups of objects of hazard category 3 - 0.12% of the sum insured
What are the peculiarities of using a franchise?
A deductible is a portion of the loss paid by the insured in the event of an insured event. The amount of the deductible is deducted from the insurance payment.
In most cases, it is used:
- an unconditional deductible is used, which is set in absolute terms or as a percentage of the sum insured
- there may be a separate deductible for property damage and life/health
- 0 (zero) deductible is used for damage to life/health
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