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The main insurance products in security market can be divided into two groups:
- the general coverings both for professional participants of security market, and for subjects of other spheres of economic activity and, in addition, the insurance which is based on usual conditions;
- specialized coverings which or are characteristic generally only of professional participants of security market, or are based on the new developments in the field of insurance protection connected with progress and dynamics of the risk environment
Enter into group of the general coverings:
- Property damage insurance assumes insurance of all complex of property of the professional participant of security market: buildings, buildings and the other real estate, external and internal finishing, objects of an internal situation, the office equipment, the established engineering and other networks and communications, but except for a cash liquidity, jewelry and objects of art which are insured on separate conditions.
Insurance is performed on a case of death and damage to result of realization of a wide range of risks:
fire; explosion; lightning stroke; spontaneous natural phenomena (earthquake, land subsidence, collapse, rockfall, storm, whirlwind, hurricane, tornado, flood, flooding, hail); accidents of water supply systems; falling of fragments of flight vehicles; arrival of vehicles; burglary, robbery, vandalism, hooliganism.
- Insurance of land vehicles (Motor insurance) unites in itself two interconnected insurance
coverings: insurance of the vehicle upon risks of death, damage and theft (stealing) and civil responsibility insurance of the owner of this vehicle for the harm done to the third parties as a result of its operation.
- Insurance of the all-civil responsibility (General Liability insurance) is indemnification of the professional participant of security market, connected with its duty by the legislation to compensate the harm done to life, health or property of the third parties in the course of conducting business activities.
- Employers Practices Liability insurance covers the losses of the professional participant of security market connected with its duty by the legislation to compensate to the employees the harm done to their life and health and also property in course of execution of the professional duties by the last in a workplace.
The insured event assumes that the corresponding harm was done to the employee, first, as a result of a mistake, oversight, and, secondly, is exclusive in relation to accomplishment by the victim of the direct labor duties.
- Accidents insurance and diseases (Personal Accident insurance) is directed to employees of the professional participant of security market and covers two main types of risks: death or total or partial disability (disability) which were caused accident (a burn, lightning stroke or current, drowning, a frostbite, a bruise, wound as a result of attack of malefactors or animals, crash of the automobile, poisoning) or diseases.
Compensation of damage is performed on the basis of tables of payments depending on traumatized within an insurance sum under the agreement which can individually be established depending on the income of the employee or in the size, uniform for all personnel.
Enter into group of specialized coverings:
- All-inclusive insurance of risks of the professional participant of security market
- Liability insurance of managing company and special depositary within pension reform
- Liability insurance of directors and officials
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