Question 1

What responsibility do pilgrimage passenger carriers in Qom carry?

Accepted Answer

A passenger carrier answers for travelers' safety along the route, during boarding and alighting, and for the soundness of the vehicle. Motor third-party insurance covers part of this responsibility, while passenger carriers liability completes it for damages outside third-party scope and pays the defense costs. In peak seasons, the declared capacity and travel program must match the policy.

Question 2

Which cover do Qom food and drug producers need?

Accepted Answer

Producing food and pharmaceuticals exposes a unit to product liability suits: a consumer claiming harm from a defect or contamination must prove the defect and the causal link, and the policy pays the proven damages. The same employer also answers for its workers' accidents, so employer liability is the customary complement to the product policy.

Question 3

Do Qom's pilgrimage guesthouses and restaurants need liability cover?

Accepted Answer

Guesthouses and restaurants serving pilgrims answer for injuries and property damage to guests, from food safety incidents to staircase and heating accidents, under the Civil Liability Act. Restaurants and hotels liability pays proven damages and legal-defense costs up to the limit, with daily capacity as the premium basis, a cover customarily kept active year-round, not only in peak seasons.

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