Kreu » Property & Guarantee » Liability Insurance

Liability Insurance

Liability insurance plays an important role in the economy and in society. It protects the firms from losses that are not affordable in other ways by an insuring mechanism, through which the individuals/third parties benefit from the compensation for consequent damages as substitution to their incomes by ensuring a normal life or by providing funds to reinstate the property as it were before the damages.

With this product SIGAL UNIQA GROUP AUSTRIA protects you against any liability on your part in accordance with according to the law on damages, costs and expenses in compliance with the claimed caused damages to third parties.

Liability Insurance

Public

This insurance covers the insured against physical injuries and property damages caused to third parties throughout the production line and construction activities and the users of these environments. The tariffs of this insurance depend on the activity, work processes, circulation, claim limits etc.

How much does it cost?

The tariffs of this insurance depend on the activity, work process, circulation, claims limits applying a tariff from 0,1% up to 0,35% of the liability limit.

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Liability Insurance

Professional

This insurance covers the insured in cases of injuries caused to the health and property of third parties during the professional activity or counselling of third parties.

This is a product designed especially for professions such as:

  • Architects and engineers
  • Real estate evaluator
  • Insurance agents and investment advisers
  • Lawyers
  • Notary
  • Other new professions including: advertisement advisers, information technology businesses, media and telecommunication businesses, aromatic therapists, reflexologists, fitness coachers, private trainers and other.
  • Very soon we will be ready to provide insurance coverages for hospitals, doctors, dentists, assistant doctors, oculists

How much does it cost?

The tariffs for this insurance depends on several factors including insured claim limits, the volume and purpose of the businesses or practices and risks ratio related to his/her businesses. The average tariff of this insurance is 2% of the total incomes of the customer’s owned business.

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Liability Insurance

Product

Through this product, SIGAL UNIQA GROUP AUSTRIA provides to a business an insurance coverage for liabilities and products already produced or sold. Insured liability of products, the businessman, sales persons, administrators are excluded from financial liability for the launched product in the market.

This insurance covers the production activity, by paying customer’s claims of this product, in cases they are damaged during the consumption of the product. The damages covered include physical injuries, accidents as well as property’s commodity damage that happen during the insured period, and caused by the sold products, related to their safety, distribution, installation, launching, re-processing, alternation, treatment or tested by the insured.

Who can be insured?

This product is necessary for all businessman, manufacturers, wholesale and retail sealers of a certain product.

How much does it cost?

The tariffs vary according to the liability coverage and the annual turnover of the insured.

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Do you have any question?

Please contact our customer service:

+355 4 22 33 308
Monday to Sunday 24h/day.
> info@uniqa.al

Free consultation request

We will get back to you as soon as possible.

Please fill in the fields below

Liability Insurance

Hotels and Restaurants

This insurance policy is specifically designed for owners, hotel and restaurant administrators to cover all the responsibilities arising from their business.

This insurance covers the physical damage that can be caused to the building and the public liability arising from operating the hotel business.

In the case of hotels we are dealing with a complex policy, as there are some risks that are technically and financially dealt with in a single insurance policy.

How much does it cost?

The fees for this insurance depend on a number of factors including the limit of indemnity to be insured. The average fee is 0.2% of the total liability limit.

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Liability Insurance

Employer

The employer may be obliged to compensate the injured employee or his heirs in the event of death for an accidental injury caused during working hours, whether or not there is negligence by the employer.

How much does it cost?

Fees for this insurance range from 0.25% to 0.35% of the total amount of wages during a year.

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Contact Us

Do you have any question?

Please contact our customer service:

+355 4 22 33 308
Monday to Sunday 24h/day.
> info@sigal.com.al

Free consultation request

We will get back to you as soon as possible.

Please fill in the fields below

What documentation does the client submit for the application:

  • NRC of the company
  • CV of company and management staff
  • The balance of the last two years
  • Completion of the application questionnaire