General civil liability insurance
We reimburse entrepreneurs for unforeseen expenses: we compensate for losses incurred by third parties due to the company's actions or inaction
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Protection against risks
Damage to property
We compensate for the costs incurred by the person in connection with the destruction or damage to property, as well as the costs that the person has incurred or will be obliged to incur to restore the violated right
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
Insurance coverage
Insured events under general civil liability insurance may include situations of damage and claims by third parties in connection with:
- Fire
- Flooding with water
- Falling of advertising signs, interior items, equipment, etc
- Falling on a slippery floor (slip & fall)
- Other events that occurred as a result of using the premises
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
Almost 30 years of experience. INGO insurance conditions meet general international requirements or requirements of a specific contract
Optimal insurance conditions
We offer quality insurance coverage at the best price
Responsibility
Insured
Sum insured (limit of liability)
It is set at your discretion, depending on how much you want to protect your company.
Its size is also affected by
- the company's income
- probability and amount of possible losses
- claims of the parent company and/or counterparties
It is possible to introduce a limit of liability for one insured event.
It is possible to introduce sublimits for a certain type of damage:
- life/health or property of third parties
- property of the lessor
- a certain location (in case of insurance of several locations)
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 determines the insurance rate?
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.)
What are the peculiarities of using a deductible in liability insurance?
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
Does the company provide additional extensions of insurance coverage?
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.
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