Elevator Liability Insurance in Iran
For building managers, elevator maintenance companies and installers of elevators and lifting platforms.
Persian twin page (authoritative): /liability/commercial/elevators
Short answer
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.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Building managers and residential complexes as possessors of the facility
- Elevator and escalator maintenance companies
- Installers of elevators, escalators and lifting platforms
- Commercial and public buildings receiving visitors — hotels, hospitals, offices
- Homeowners' associations scheduling common-area elevators
What is covered?
| Coverage | Description |
|---|---|
| Passenger bodily injury | Diyeh, medical and rehabilitation costs for passengers injured in elevator or escalator operation failures. |
| Third-party property damage | Damage to third-party property caused by the equipment — for example freight elevators damaging goods or building parts. |
| Building manager's liability | Liability of the possessor and supervisor of the facility under the Civil Code's possession rules and technical supervision duties. |
| Maintenance company's liability | Liability of the maintenance firm for defects in upkeep, lubrication, adjustment and periodic part replacement. |
| Installer's liability | Liability for installation defects manifesting after commissioning, within the period declared in the policy schedule. |
| Legal defense costs | Attorney fees and procedural costs in civil proceedings brought by injured passengers or their families. |
What is not covered? (Exclusions)
- Operation of devices without a valid periodic inspection certificate
- Devices, addresses or periods not declared in the policy schedule
- Deliberate bypassing of safety devices or interference with the control system
- Mechanical breakdown of the device itself without third-party damage
- Normal wear, corrosion and aging without a causal failure event
Issuance conditions
- A valid periodic inspection certificate for every declared device
- A signed maintenance contract with a qualified maintenance company, where applicable
- Declaration of the device list — type, address and capacity — at issuance
Required documents
- Periodic inspection certificate of the elevators
- Maintenance contract or the maintenance company's license
- Device list: type, address, capacity and year of installation
- Identity documents of the insured manager or company
How to buy — step by step
Quotation and consultation
Submit the quote request with the device list; the advisor proposes the limit per device or aggregated for the building.
Documents and official proforma
After the inspection certificates are verified, an official proforma invoice is issued on Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed.
Policy delivery
The printed and electronic policy, with the device schedule, is delivered within one working day.
How to claim — step by step
Take the device out of service
Stop the elevator or escalator, secure the area and preserve the maintenance log before any repair.
Immediate notification
Notify the agency within five working days of the incident, per the policy's notification condition.
Claim form and documents
Submit the claim form, the periodic inspection certificate, the maintenance visit records and witness statements.
Technical assessment
The adjuster and, where needed, a technical expert determine which party's failure caused the accident — manager, maintenance or installer.
Liability apportionment
Where several parties share responsibility, liability is apportioned according to each party's proven share.
Agreement and payment
Compensation is agreed or court-awarded and paid subject to the policy deductible, per the apportioned shares.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Elevator Liability Insurance
Legal sources
Civil Code of Iran — Articles 328 to 335 — liability of possessors and supervisors
Engineering System Act of Iran — Adopted 1995 — Article 33 (technical supervision)
Islamic Penal Code — Diyat chapter — Book Five, Articles 449 onwards
Iranian Insurance Act (1936) — Article 30 — five-day claim notification
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Elevator Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.