General civil liability insurance

The amount of the insurance tariff depends on:

• the amount of the sum insured (liability limits)
• the size of the deductible;
• the type of its activity, the nature of the premises operation;
• analysis of losses for the previous period;
• other objective factors (area and other characteristics of the premises, description of the "neighbors", etc.)

Adeductible 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, liability insurance uses an unconditional deductible:

• 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

Yes. By separate agreement, the following extensions to the standard agreement may be provided:

• coverage of legal aid expenses
• coverage of damage caused to the leased premises (landlord's property)
• coverage of damage caused to the property of tenants
• coverage of damage caused to the environment
• retroactive coverage - coverage of possible claims for events that occurred before the beginning of the insurance period
• extended notification period - the ability to file a claim for an event that occurred during the insurance period within a certain specified time after its expiration.