Liability in the operation of high-risk facilities
Protection against risks
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
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
outlook - «Evolving»
8.12.2023
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