For legal entities / Third party liability

Third party liability

Optinal insurance of civil liability of vehicle (including liability)

Insurance risk - insured event or group of events, indicated in the insurance agreement, resulting in accidental damage, done to life, health, property of the third party and environment.

Insurance events

  • Third party death or health damage
  • Third party property damage or destruction;
  • Other nonpecuniary damage, done to the third party

Damage, done to environmental objects (ecological damage)

Optinal property owner civil liability insurance

The Insurance Company «Dobrobut» offers complex property insurance program - alongside the optinal property insurance, at Your will, You can obtain optinal third party liability insurance in the same agreement.

Insurance risk - is insured event or group of events, indicated in the insurance agreement, resulting in accidental damage, done to property of the third party, which the Insuree is responsible for.

The Insurance event is production of the reasonable property claim to the Insuree by the third party or court decision, concerning compensation of losses for the damage, done as a result of activity or inactivity of the Insuree, dealing with ownership, use, and operation of property, indicated in the particular Insurance agreement.

Insurance rate - 0,3% - 1,3%.

Optinal third party liability insurance for damage, done to property, life and health of the hotel guests

The Insurance Company «Dobrobut» offers optinal third party liability insurance for damage, done to property, life and health of the hotel guests to corporate customers.

The insurance event is an event, occurring due to the fault of hotel, leading to the insurance compensation payment liability for the damage, done to property, life and health of the hotel guests.

Insured amount, according to third party liability insurance agreement for damage, done to property, life and health of the hotel guests - is a sum of money, within which the Insuree, according to the insurance conditions, obliges to make payment to the third party (hotel guest) or third parties (in case of several victims) after the insured event occurrence and is 1 000 000,00 UAH (one million UAH).

Liability limitation

Liability limitation of the Insurance carrier for one insurance event, for the damage, done to the hotel guests' property is 20 000,00 (twenty thousand) UAH for each person.
Liability limitation of the Insurance carrier for one insurance event, for the damage, done to the hotel guests' life and health is 50 000,00 (fifty thousand) UAH for each person.

Franchise

Franchise, according to the optinal third party liability insurance for damage, done to property, life and health of the hotel guests, is not sustained.
Franchise (unconditional), under the conditions of the third party liability insurance for damage, done to the hotel guests' life and health is 50 000,00 UAH, for one insurance event.

Special agreement conditions

Insurance event is proved by appropriate authorities for clarification of circumstances of the damage, done to property, life and health of hotel guests.

Optinal hotel guests liability insurance against hotel property damage

The Insurance Company «Dobrobut» offers hotel guests liability insurance against hotel property damage to corporate customers.

 
The insurance event is an event, occurring due to the fault of hotel guest(s), leading to their obligation to compensate the amount of loss, sustained by hotel.

 
Insured amount (insurance company liability limitation) is set in the amount of the market price of the hotel room.

 
Franchise (unconditional), under the conditions of the hotel guests liability insurance for hotel property damage (household appliances) is 1 000,00 UAH for one insurance event.

Private notary optinal third party civil liability insurance

The Insurance Company «Dobrobut» offers private notary third party legal liability insurance program.

 
Insurance risks, under the insurance conditions - are damage, done to the third party, by illegal acts or negligence of the Insuree during execution of notary actions, according to the current legislation of Ukraine, set by court decision.

Insured amount

There are two variants of the insured amount:

  • 250 000, 00 UAH, with liability limitation for one insurance event - 150 minimal salaries at the time of insuring.
  • 150 minimal salaries at the time of insuring.

Franchise is not stipulated

Territory of Agreement - Ukraine

Term of agreement - from one month to one year

«Leisure area» (optinal third party liability insurance)

Insurance Company «Dobrobut»program - «Leisure area» is the development and introduction of new standards of qualitative husbandry through recognition and full assurance in risks coverage concerning the damage, done to life and health of visitors through the entertainment establishments third party (leisure area visitors) liability insurance.

The program is aimed at legal entities,- entrepreneurs, owning or renting appropriate property, special equipment and rendering entertainment services, namely: recreation and entertainment parks, entertainment complexes, skating rinks, water parks, attractions, gamelands, rollerdromes, dolphinarium, bowling, and other leisure areas, which are responsible for the damage, done to health and life of visitors according to the Ukrainian civil code.

Insured amount, according to third party liability insurance agreement for damage, done to life and health of the leisure area visitors - is a sum of money, within which the Insuree, according to the insurance conditions, obliges to make payment to the third party (person, who bought a leisure area ticket) after the insured event occurrence and is 2 000,00 UAH (two thousand UAH).

ATTENTION! Depending on the risk group, the ticket price includes basic insurance payments.

Private security company optinal third party liability insurance

The insurance Company «Dobrobut» offers a private security companies' liability insurance program -insurance coverage of third party demands on the sustained damage compensation, placed on the Insuree, submitted according to the current legislation of Ukraine, within the fixed liability limits.

Insurance risks under the insurance conditions - are the Insuree's liability, in the process of his professional activity, for the damage, done to the third party objects, as a result of:

  • Fire (damage, as a result of influence of fire, independently spreading out of places, aimed at fire building and keeping in, as well as damage, caused by combustion products and fire-extinguishing means, used to prevent fire spreading), braking out on the territory of objects, transferred to the Insuree by the owner for rendering of fire-fighting and security services.
  • Illegal acts of third parties: rowdyism, theft, intentional damage to object, transferred by the owner for owner for rendering of fire-fighting and security services.

Insured amount is set at Your choice in the amount from 200 000,00 UAH and more.

Optinal service station owner third party liability insurance

Insurance Company «Dobrobut» offers a service station third party liability insurance program -insurance coverage of third party demands on the sustained damage compensation, placed on the Insuree, submitted according to the current legislation of Ukraine, within the fixed liability limits.

Insurance risks under the insurance conditions - are the Insuree's liability, in the process of the service station business activity, for the damage, done to the third party property (destruction, damage or loss of the vehicle), as a result of:

  • Fire (damage, as a result of influence of fire, independently spreading out of places, aimed at fire building and keeping in, as well as damage, caused by combustion products and fire-extinguishing means, used to prevent fire spreading), braking out on the territory of service station in the process of the third party vehicle maintenance
  • Falling of trees and other objects, located on the territory of the service station, on the third parties property (automobile), taken for maintenance (technical inspection) and saving until the moment of the automobile transfer to the owner according to the certificate of completion
  • Natural calamity (rainstorm, hail) in case of saving of the automobile in the process of the vehicle maintenance on the service station lantern parking
  • Illegal acts of third parties: rowdyism, theft, intentional damage to the automobile for the saving period during the maintenance until the moment of the automobile transfer to the owner according to the certificate of completion
  • Damage, done to the transport vehicle, caused by falling down from elevator/flyover

Insured amount is set at Your choice in the amount from 1 000 000,00 UAH and more.

Customs broker optinal third party liability insurance

Insurance Company «Dobrobut»offers a customs broker optinal third party liability insurance program for the damage, done to the third party, as a result of unappropriate fulfillment of customs broker's obligations or violation of legislative act while rendering professional services.

Insured amount is set in the amount of 34 000,00 (thirty-four thousand) UAH ( 2000 non-taxable minimum income of citizens).

Insurance rate is 1%.

ATTENTION! During the execution of the customs broker optinal third party liability insurance agreement visit of the insurance broker to the place of work or place of residence throughout Kyiv is free of charge

The agreement signature procedure:

  • Interchange of information on customs broker optinal third party liability insurance services.
  • Data acquisition by the Insurance carrier: the Insuree notification address and payment information, State Registration Certificate, customs broker activity permit or proficiency certificate of the customs broker representative.
  • Policy payment (cash or transfer by clearing to the Insurance carriers' current account)

Policy obtention.

Obligatory gun owning citizens of Ukraine civil liability insurance

Insurance Company «Dobrobut»offers an insurance program of civil liability of citizens of Ukraine, owning or legally possessing gun (including honorary weapon), against damage, done to third party or the third party property, caused by possession, keeping or use of weapon

Who may be insured?

The Insured person is the citizen of Ukraine, possessing, keeping or using:

  • Military rifled fire weapon of army type and weapon, made to special order
  • Blank or training weapon
  • Outdated small-arms weapons
  • Hunting rifled fire weapon (carabine, small-bore rifle, combined scattergun, etc.)
  • Hunting smoothbore fire weapon
  • Sporting fire weapons (match pistols, revolvers, rifles, scatterguns with sporting purposes)
  • Cold steel (crossbows, bows, hunting knives, katanas, swords, broadswords, yataghans, switchblades, dirks, daggers, bayonets, sword bayonets, not being in operational service with military organizations)
  • Airgun (guns, revolvers, rifles with caliber, exceeding 4,5 mm and bullet velocity more than 100 metres per second, the missile (bullet) of which, is put in motion by condensed gases)

 

Insurance event - is an event, resulting in the Insuree's civil liability for the third party and/or the third party property damage compensation, caused by possessing, keeping or using weapon.

  
Insured amount

  
Insured amount, in case of the weapon owner or user liability insurance, is sum of money, within which the Insurance carrier shall pay to the third party, sustaining damage, as a result of the insured accident. Insured amount is set:

 

  • In case of compensation payment to the inheritors of the person, who died as a result of the insured accident - 11000 UAH
  • In case if the third party injured is given I, II or III disability group - 8250, 5500, 2750  UAH correspondingly;
  • For each day of the third party injured inability to work - 20 UAH, but not more than 2500 UAH;
  • In case of the property damage (destruction) - in the amount of balance sheet value of the damaged (destructed) property, caused by the insured accident, but not more than 30000 UAH. In case of property balance sheet value absence, the amount, being the subject to compensation, is set by agreement between the third party injured and the insurance carrier, but not more than 30000 UAH. If such an agreement wasn't reached, the size of damages is set under the court decision. In case of partial property damage, for the insurance compensation payment, the value of property, which is the subject to change or restoration (value of restoration), is assessed in the determined by legislation order.

 

The insurance rate is set in the amount of one non-taxable minimum income of citizens for one year term, irrespective of type and quantity of weapon of one citizen.

Obligatory husbandry subjects third party liability insurance

Insurance Company «Dobrobut» offers an insurance program of husbandry subjects' civil liability for the damage, which can be done by fires and accidents on the high threat locations.

The insured event is the third party direct damage, caused by fires and/or accidents on the high threat location, during the obligatory insurance agreement operation, as a result of which the Insurance carrier obligation to make the insurance compensation payment appears.

  
Insured amount is set for each particular high threat location according to the danger class:

  • For the1 danger class groups - 200000 non-taxable minimums income of citizens as of the date of the insured amount calculation
  • For the 2 danger class groups - 70000 non-taxable minimums income of citizens as of the date of the insured amount calculation
  • For the 3 danger class groups - 45000 non-taxable minimums income of citizens as of the date of the insured amount calculation
  • The size of the insurance rate maximum in per cents of the insured amount for 12 months is set according to the high threat location danger class and is:
    • for the1 danger class groups - 1,5 per cent;
    • for the 2 danger class groups - 0,6 per cent;
    • for the 3 danger class groups - 0,4 per cent.

Insurance payments

Order policy

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NFIC Dobrobut 2010-2012 10/5a Sagaydachnogo/Igorivska St., Kyiv, 04070,
+38 (044) 428-76-76, office@dobrobut.com