Compare All 33 Liability Insurance Types in Iran
Short answer
Iranian liability insurance splits into four families. Professional liability covers licensed occupations for errors in their expert service. Business and industry liability covers employers, contractors, manufacturers and facility operators toward workers, third parties and consumers. Corporate liability addresses companies and their management through D&O and cyber policies. Personal and public liability covers the everyday civil liability of individuals and families. The table below compares all 33 products; every row links to a full English guide.
The four liability families at a glance
The four liability families at a glance
Professional liability
Key risks: Error and omission in delivering an expert service
Typical holders: Physicians, lawyers, engineers, accountants, pharmacies
Browse Professional LiabilityBusiness & industry liability
Key risks: Worker accidents, third-party damage, product defects, contractor operations
Typical holders: Employers, contractors, manufacturers, hotels and restaurants
Browse Business & Industry LiabilityCorporate liability
Key risks: Claims by shareholders and stakeholders against directors; cyber attacks
Typical holders: Joint-stock companies, holdings, startups, online businesses
Browse Corporate LiabilityPersonal & public liability
Key risks: Everyday damage to neighbors, customers and third parties
Typical holders: Property owners and tenants, parents, animal keepers, event organizers
Browse Personal & Public LiabilityWhich coverage for which job?
Which coverage for which job?
Find your job or activity and jump straight to the full English guide for that coverage.
| Job / activity | Recommended coverage | Main risk covered |
|---|---|---|
| Physician | Physicians Professional Liability Insurance | Medical error and diyeh (blood money) awards |
| Dentist | Dentists Professional Liability Insurance | Implant, prosthetics and anesthesia complications |
| Nurses and paramedical staff | Nurses & Allied Health Professionals Liability Insurance | Injection, IV-drip and care errors |
| Pharmacist and pharmacy | Pharmacists Professional Liability Insurance | Dispensing errors and drug interactions |
| Attorney at law | Lawyers and Legal Advisors Liability Insurance | Financial loss to the client |
| Design and supervising engineer | Engineers Professional Liability Insurance | Design and supervision errors (Article 33) |
| Accountant and auditor | Accountants and Auditors Liability Insurance | Defective tax returns and audit reports |
| Financial and tax advisor | Financial and Tax Advisors Liability Insurance | Penalties arising from wrong advice |
| Real-estate agent | Real Estate Agents Liability Insurance | Non-disclosure of defects and ownership disputes |
| Certified translator | Official Translators Liability Insurance | Errors in translating figures and legal terms |
| Notary public | Notaries Public Liability Insurance | Defective deed drafting and incomplete identity verification |
| Hairdresser and beauty salon | Beauty Salons Liability Insurance | Service injuries, skin sensitivity and infection |
| IT professional and freelancer | IT and Cybersecurity Professionals Liability Insurance | Implementation errors and data exposure |
| Employer (workshop, factory or practice with staff) | Employers Liability Insurance | Employee work accidents and occupational claims (Article 91 of the Labor Law) |
| Contractor | Contractors Liability Insurance | Third-party damage within the work-site area |
| Construction operations owner | Construction Operations Liability Insurance | Excavation collapse, falling materials and damage to the adjacent property |
| Manufacturer and importer | Product Liability Insurance | Product defects and consumer damage |
| Shop and service unit | Public Liability Insurance | Bodily and property damage to customers at the place of business |
| Restaurant and hotel | Restaurant and Hotel Liability Insurance | Food poisoning, guest falls and property held in custody |
| Building manager with an elevator | Elevator Liability Insurance | Elevator and escalator accidents |
| Building owner and tenant | Property Owners Liability Insurance | Facade collapse, water leakage and fire damage to neighbors |
| Kindergarten and training institute | Kindergarten and Educational Centers Liability Insurance | Injury to a child while in care |
| Sports club and swimming pool | Sports Facilities Liability Insurance | Sports accidents and defective equipment |
| Transport and cargo operator | Carriers Liability Insurance | Cargo damage in transit and third-party injury |
| Directors of a joint-stock company | Directors & Officers (D&O) Liability Insurance | Shareholder claims and breach of directors' duties |
| Online business holding customer data | Cyber Liability & Data Breach Insurance | Personal data leaks and ransomware |
| Individuals and families | Personal & Family Liability Insurance | Damage caused by minor children and household accidents |
| Keeper of a pet or livestock | Animal Owners Liability Insurance | Bites and animal damage to third parties |
| Event and conference organizer | Event Organizers Liability Insurance | Attendee accidents and temporary structures |
| Travel agency and tour operator | Tour Operator Liability Insurance | Traveler accidents during the trip |
| Licensed hunter | Hunters & Game Wardens Liability Insurance | Accidental discharge and damage to livestock |
The Persian edition is the authoritative original.
Professional Liability (13 coverages)
| Coverage | Who it is for | Key risk covered | Request an official quotation |
|---|---|---|---|
| Physicians Professional Liability Insurance | For general practitioners, specialists, subspecialists and surgeons licensed by the Iranian Medical Council. | Physicians professional liability insurance in Iran compensates bodily injury and financial loss that a patient suffers because of a physician's professional error — diagnostic, therapeutic or surgical — up to the policy limit, and funds the physician's legal defense before Iranian courts, the Forensic Medicine Organization and Medical Council commissions. | Full guide |
| Lawyers and Legal Advisors Liability Insurance | For attorneys at law, legal advisors and law offices registered with the Iranian bar associations. | Lawyers professional liability insurance compensates financial loss that a client suffers from a lawyer's professional negligence — missed limitation deadlines, defective pleadings, wrongful advice or failure to enforce an awarded right — up to the policy limit, and covers the defense costs of disciplinary proceedings before the Iranian bar associations. | Full guide |
| Engineers Professional Liability Insurance | For licensed engineers and supervising engineers in civil, architectural, electrical, mechanical and other recognized disciplines. | Engineers professional liability insurance compensates financial and bodily loss caused by errors in design, calculation, supervision and execution of construction or industrial projects. | Full guide |
| Dentists Professional Liability Insurance | For general dentists, prosthodontists, implantologists and orthodontists licensed by the Iranian Medical Council. | Dentists professional liability insurance in Iran compensates bodily injury and financial loss a patient suffers from professional error in implantology, prosthodontics, endodontics and anesthesia complications, up to the policy limit, and funds the dentist's legal defense before Iranian courts and the Medical Council forensic commissions where the specialty is declared in the policy. | Full guide |
| Pharmacists Professional Liability Insurance | For licensed pharmacists, pharmacy owners acting as pharmacist-in-charge and parapharmaceutical technical experts. | Pharmacists professional liability insurance in Iran compensates bodily injury and financial loss caused to customers by dispensing errors — wrong drug, dose or dosage form — expired medication and unflagged drug interactions, up to the policy limit. | Full guide |
| Accountants and Auditors Liability Insurance | For certified accountants, independent auditors, tax accountants and audit firms operating in Iran. | Accountants and auditors professional liability insurance in Iran compensates financial loss caused to clients and third parties by defective tax returns, misleading audit reports and accounting calculation errors, up to the policy limit. | Full guide |
| Real Estate Agents Liability Insurance | For licensed real estate agents, estate offices, online brokers and property transaction consultants. | Real estate agents liability insurance in Iran compensates financial loss suffered by buyers and sellers from incomplete title review, defective ownership disclosure, failure to report an attachment or lien on the property, and errors in the listed particulars, up to the policy limit. | Full guide |
| Beauty Salons Liability Insurance | For hairdressers, beauty salons, skin and hair service specialists and licensed laser service centers. | Beauty salon liability insurance in Iran compensates bodily and financial injury to clients from accidents during services, skin sensitivity reactions and instrument contamination, up to the policy limit. | Full guide |
| Nurses & Allied Health Professionals Liability Insurance | For nurses, midwives, physiotherapists, paramedics and operating-room, laboratory and radiology technicians licensed to practice. | Nurses and allied health professionals liability insurance in Iran compensates patients for bodily injury and financial loss caused by professional error of nurses, midwives, physiotherapists and operating-room or laboratory technicians, up to the policy limit, and funds the insured professional's legal defense before Iranian courts and Medical Council disciplinary commissions. | Full guide |
| Financial and Tax Advisors Liability Insurance | For licensed financial advisors, tax advisors licensed by the Tax Administration and financial consulting institutes. | Financial and tax advisors liability insurance in Iran compensates the client's financial loss and attributable penalties caused by faulty tax advice, defective financial planning and erroneous calculations or feasibility reports, up to the policy limit, and funds the advisor's legal defense in client lawsuits and proceedings before financial regulatory bodies. | Full guide |
| Official Translators Liability Insurance | For sworn translators licensed by the Iranian Judiciary and official translation offices with active translators. | Official translators liability insurance in Iran compensates the financial loss suffered by parties who rely on a sworn translation, including errors in figures, dates, document numbers and legal terminology, up to the policy limit, and funds the translator's legal defense in court proceedings and disciplinary reviews by the licensing authority. | Full guide |
| Notaries Public Liability Insurance | For chief notaries (sardafatar) and assistant notaries (daftryar) appointed by the Registration Organization. | Notaries public liability insurance in Iran compensates financial loss arising from defective deeds, incomplete identity verification and breaches of registration formalities at notary offices, up to the policy limit, and funds the notary's legal defense in civil claims and disciplinary proceedings of the Registration Organization and the Notaries Bar Association. | Full guide |
| IT and Cybersecurity Professionals Liability Insurance | For independent developers, network and security specialists, software companies and technology freelancers working under written contracts. | IT and cybersecurity professionals liability insurance in Iran compensates an employer's or client's financial loss caused by implementation errors, service outages and negligent data exposure, up to the policy limit, and funds the professional's legal defense in claims by employers and third parties arising from the insured technology services. | Full guide |
Business & Industry Liability (13 coverages)
| Coverage | Who it is for | Key risk covered | Request an official quotation |
|---|---|---|---|
| Employers Liability Insurance | For employers in construction, industrial, service and contracting workplaces with salaried workers. | Employers liability insurance compensates workers for bodily injury, death or occupational disease caused by work or workplace conditions, when the employer is legally liable under Article 91 of the Iranian Labor Law. | Full guide |
| Contractors Liability Insurance | For construction, installation, industrial and service contracting companies and their subcontractors. | Contractors liability insurance covers third-party bodily injury, property damage and contractual liabilities arising from construction, installation and service projects executed by a contracting company. | Full guide |
| Public Liability Insurance | For shops, guilds, service units and commercial premises that host customers and third parties. | Public liability insurance (civil third-party liability) compensates third parties for bodily injury and property damage that the insured business causes in the course of its activity — customers, visitors and passers-by. | Full guide |
| Product Liability Insurance | For manufacturers, importers, distributors and consumer-goods brands selling in Iran. | Product liability insurance compensates consumers for bodily injury and property damage caused by a defective product manufactured, imported or sold by the insured. | Full guide |
| Elevator Liability Insurance | For building managers, elevator maintenance companies and installers of elevators and lifting platforms. | Elevator and escalator liability insurance compensates passengers and third parties for bodily injury and property damage caused by the operation, maintenance or inspection failure of elevators and lifting equipment. | Full guide |
| Restaurant and Hotel Liability Insurance | For managers of restaurants, cafes, hotels, guesthouses, banquet halls and catering centers. | Restaurant and hotel managers liability insurance in Iran compensates bodily and financial damage to guests — food poisoning, falls and injuries on the premises, and liability for deposited property — under the Civil Liability Act and the Civil Code. | Full guide |
| Kindergarten and Educational Centers Liability Insurance | For managers of kindergartens, preschools, non-governmental schools and child education centers. | Kindergarten and educational center managers liability insurance in Iran compensates bodily and financial damage to children and students during care, teaching and supervision, under the Civil Liability Act. | Full guide |
| Carriers Liability Insurance | For road freight companies, truck and trailer operators, urban distribution fleets and freight terminals. | Carriers liability insurance in Iran compensates damage to cargo in custody during carriage, loading, unloading and storage, under the custody rules of the Civil Code, and covers injury to third parties during transport. | Full guide |
| Construction Operations Liability Insurance | For owners and builders of buildings under construction, qualified executors, excavation contractors and site supervisors. | Construction operations liability insurance in Iran compensates third parties for injury and property damage caused by building works such as excavation collapse, falling materials and damage to adjacent properties, and covers the owner's and builder's statutory warranty liability under Article 33 of the Engineering System Act, up to the policy limit. | Full guide |
| Property Owners Liability Insurance | For owners and occupiers of residential, commercial and office buildings, tenants and building managers. | Property owners liability insurance in Iran compensates third parties for injury and property damage arising from occupied buildings, including facade collapse, falling objects, fire spreading to neighboring properties and water leakage, and can extend to the tenant's liability toward the landlord where expressly agreed, up to the policy limit. | Full guide |
| Sports Facilities Liability Insurance | For operators of pools, gyms, water parks, sports halls and academies holding an operating license. | Sports facilities liability insurance in Iran compensates members and visitors for injury caused by pool accidents, defective equipment and inadequate supervision, and covers damage to visitors' property and neighboring premises, up to the policy limit, where the operator's failure to observe safety and maintenance duties is established. | Full guide |
| Billboard Liability Insurance | For companies producing and installing urban billboards, illuminated signs and roadside advertising structures. | Billboard liability insurance in Iran compensates third parties for bodily injury and property damage caused by the fall of advertising structures such as hoardings, illuminated signs and roadside panels, including damage to vehicles, adjacent buildings and accidents during installation and repair, up to the policy limit, subject to valid municipal permits. | Full guide |
| Fire Third-Party Liability Insurance | For owners and occupiers of residential, commercial, office and industrial units and warehouses liable for fire spreading to neighbors. | Fire third-party liability insurance in Iran compensates neighboring properties and third parties for damage caused by fire, smoke, soot and firefighting water spreading from the insured unit, including gas explosions within the unit, up to the policy limit; damage to the insured's own property belongs to property fire insurance instead. | Full guide |
Corporate Liability (2 coverages)
| Coverage | Who it is for | Key risk covered | Request an official quotation |
|---|---|---|---|
| Directors & Officers (D&O) Liability Insurance | For board members, chief executives and senior managers of joint-stock, listed, knowledge-based and holding companies. | Directors and officers liability insurance in Iran covers the personal liability of board members and executives for claims arising from managerial decisions, breaches of the duty of care and disclosure disputes, including shareholder lawsuits and regulatory proceedings, and funds the legal defense costs, up to the policy limit, excluding proven intentional fraud. | Full guide |
| Cyber Liability & Data Breach Insurance | For online shops, service platforms, fintech and software companies and any business processing customer data. | Cyber liability insurance in Iran compensates customers and third parties for damage caused by unauthorized disclosure of personal data, ransomware attacks and service interruption, and covers notification, forensic investigation and data recovery costs, plus legal defense in data claims, up to the policy limit, in line with the E-Commerce Act duties. | Full guide |
Personal & Public Liability (5 coverages)
| Coverage | Who it is for | Key risk covered | Request an official quotation |
|---|---|---|---|
| Personal & Family Liability Insurance | For parents, legal guardians and households liable for damage caused by minor children and everyday incidents. | Personal and family liability insurance in Iran compensates third parties for bodily and property damage caused by minor children under the guardian's supervision and by everyday household incidents, including diyeh and legal defense costs, up to the policy limit; it is one of the most affordable liability covers for Iranian households. | Full guide |
| Animal Owners Liability Insurance | For keepers of guard dogs and pets, herders and livestock farmers, and licensed breeding centers and shelters. | Animal owners liability insurance in Iran compensates third parties for bodily injury and property damage caused by kept animals, from dog bites to livestock damaging crops and vehicles, including diyeh and legal defense costs, up to the policy limit; under Iranian law the keeper answers for damage caused by the animal under his or her custody. | Full guide |
| Event Organizers Liability Insurance | For organizers of conferences, concerts, exhibitions, competitions and recreational camps holding an official permit. | Event organizers liability insurance in Iran compensates participants and visitors for bodily injury and compensates third parties for property damage occurring during the event, including accidents of temporary structures, and funds the organizer's legal defense, up to the policy limit, from installation of equipment until the site is cleared. | Full guide |
| Tour Operator Liability Insurance | For travel agencies licensed by the Ministry of Cultural Heritage and Tourism and operators of leisure and pilgrimage tours. | Tour operator liability insurance in Iran compensates travelers for bodily injury and property damage caused by the operator's shortcoming in delivering tour services, including the acts of drivers, guides and subcontractors, and funds the legal defense of the agency, up to the policy limit, from the journey's start until the travelers return. | Full guide |
| Hunters & Game Wardens Liability Insurance | For holders of a valid hunting permit, members of licensed hunting associations and environment protection officers on duty. | Hunters liability insurance in Iran compensates third parties for bodily injury caused by accidental shooting during lawful hunting and for property damage such as harm to villagers' livestock and vehicles, including diyeh and legal defense costs, up to the policy limit, within the permit and environment regulations of the incident date. | Full guide |
Choosing between liability coverages — FAQs
Not sure which coverage fits? Ask us.
Email us in English with a short description of your activity and we will suggest the right coverage family and limit — free of charge, without obligation.
پاسخ استعلام حداکثر تا یک روز کاری — استعلام هیچ تعهدی برای خرید ایجاد نمیکند.