Property Owners Liability Insurance in Iran
For owners and occupiers of residential, commercial and office buildings, tenants and building managers.
Persian twin page (authoritative): /liability/commercial/property-owners
Short answer
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.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Owners of residential, commercial and office buildings
- Tenants occupying properties, both personal and corporate
- Building managers of residential complexes
- Institutes and companies holding rented offices
- Property maintenance contractors within the occupier's scope of responsibility
What is covered?
| Coverage | Description |
|---|---|
| Facade collapse and falling objects | Compensation for bodily and property damage to passers-by and vehicles caused by tiles, glass and objects falling from the facade. |
| Fire spreading to adjacent properties | Cover for fire extending from the insured building to neighboring properties, under the Civil Code rules and the policy conditions. |
| Water leakage and damp | Damage to lower units from worn pipes and defective waterproofing, where the occupier's responsibility is established. |
| Occupier liability in common areas | Cover for accidents on stairs, corridors and parking areas managed by occupiers and the building manager. |
| Tenant liability toward the landlord | Where expressly agreed, damage the tenant causes to the landlord's property is accepted as a covered item. |
| Legal defense costs | Court costs in complaints by neighbors and third parties arising from covered events. |
What is not covered? (Exclusions)
- Damage to the insured building itself, which belongs to property fire insurance
- Facade collapse and deterioration from neglected maintenance with the occupier's knowledge
- Unauthorized intervention in the structure and change of use without a permit
- Natural events such as earthquakes and floods, unless a special endorsement is agreed
- Damage from unauthorized commercial activity in a residential property
- Purely contractual disputes between landlord and tenant beyond statutory liability
Issuance conditions
- Accurate declaration of the occupancy type, area and use of the property
- Observance of municipal regulations and periodic maintenance of the facade
- Notification of a change of occupier or use to the insurer
Required documents
- Title deed or official lease of the property
- National ID and identity documents of the occupier
- Expert report on the facade and structure, where requested
- Copy of the completion certificate or the partition minutes
- Previous policy, for the no-claims discount
How to buy — step by step
Quotation and property review
Submit the quote request; the use, area, age and facade type of the property are declared, and a limit is proposed.
Documents and official proforma
After the deed or lease and identity documents are received, an official proforma invoice is issued on the approved 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 its general conditions is delivered within one working day.
How to claim — step by step
Immediate notification
Report the incident to the agency as soon as you become aware of it; the policy sets a maximum notification period of five working days.
Claim form
Complete and sign the claim form describing the event, the damaged property and the occupancy circumstances.
Case documents
Submit the deed or lease, photographs, the expert report on the leak or collapse and the neighbor's claim documents.
Adjuster assessment
The claims adjuster establishes the cause of the damage and the occupier's or owner's responsibility.
Agreement and payment
Once liability and the amount are established, compensation is paid subject to the policy deductible.
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 — Property Owners Liability Insurance
Legal sources
Civil Code of Iran — Articles 328 to 335 — guaranty and damage caused by buildings
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Iranian Insurance Act (1936) — Article 12 — insurable interest
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 Property Owners 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.