Question 1

What liability insurance does a construction project in Tehran need?

Accepted Answer

A Tehran builder answers for its workers under Article 91 of the Labor Law and for damage to neighboring properties and passers-by under the Civil Liability Act. The customary package combines employer liability, construction operations liability and a structural cover through the warranty period, with the limit sized to the capital's high property values; premiums are issued upon official quotation.

Question 2

Why are Tehran liability rates different from smaller cities?

Accepted Answer

Underwriting weighs population density, property values and the frequency of third-party contact in your activity. Tehran's dense construction and high-value real estate push its risk profile above the national average, which insurers reflect in the rate. The approved Bimeh Iran tariff is applied in the official pro-forma invoice after the risk declaration is reviewed.

Question 3

Is employer liability insurance mandatory for Tehran businesses?

Accepted Answer

The Labor Law places work-related bodily injury on the employer when safety duties were breached, and many official registrations, tenders and municipal permits in Tehran require proof of employer liability coverage. The policy pays proven damages and legal-defense costs up to the chosen limit, with headcount declared at issuance.

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Get an official quotation for Tehran

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