General guide
Choosing the Limit of Liability in Iran
Short answer
The limit of liability is the maximum an Iranian liability policy pays per claim and over the policy period. The baseline minimum equals the full diyeh of the year the loss occurs; busy or high-risk activities should carry a multiple of it. An insufficient limit means any shortfall above it stays with the insured — review the limit at every renewal against the latest official diyeh decree.
Key points in brief
- Minimum baseline: the full diyeh of the year of loss — the official figure changes annually, so a limit set years ago shrinks in real terms.
- Contract minimums: contractor agreements and licensing rules often dictate a floor; a lower limit voids the contractual purpose.
- Insufficient-limit risk: multiple-injury awards can exceed a single-diyeh limit, and period aggregates can be consumed by small claims.
- Premium relation is non-linear: raising the limit from the baseline usually costs less than expected — compare scenarios in the quotation.
Persian twin page (authoritative)
The full Persian guide with the diyeh table, per-activity logic and five-step method: راهنمای سقف تعهد (صفحه فارسی)
Reviewed by the licensed team of Agency No. 20616, Bimeh Iran.
Need a quotation for a specific limit?
The quotation form is in Persian — English-speaking visitors can also email us and a consultant will respond in English, usually within one business day.
پاسخ استعلام حداکثر تا یک روز کاری — استعلام هیچ تعهدی برای خرید ایجاد نمیکند.