Business & Industry Liability Insurance in Iran

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.

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.

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. It responds where the contractor or its subcontractors cause damage to neighbors, passers-by, the employer's property or other third parties during the execution period.

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. It allocates cover among the building manager, the maintenance company and the installer according to their proven share of responsibility.

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. It pays diyeh and court-awarded damages up to the policy limit and defends the employer in labor disputes.

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.

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. The supervisor's liability for a minor's conduct follows Article 2 of the same Act, and payment is made up to the policy limit.

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. In Iran it operates under the Consumer Protection Act and the Civil Liability Act, covering court-awarded damages and defense costs in defect claims, up to the policy limit.

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.

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. It is the base civil-liability cover for shops and service units and responds upon proof of fault or causation.

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. Liability toward staff is covered separately and complementarily by employers 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.

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. The limit of liability is set separately for each vehicle listed in the policy schedule.