How Liability Insurance Pricing Works in Iran
Short answer
Liability insurance in Iran has no fixed tariff: the premium is calculated from a risk declaration form. The main drivers are the activity risk code, the chosen limit of liability (at least equal to the full diyeh of the year of the incident), the number of employees or daily capacity, the deductible, prior claims history and any endorsements such as legal-defense costs. The final premium is issued upon official quotation by Bimeh Iran, usually within one business day, and issuing the policy carries no separate fee.
Eight factors that determine the premium
Eight factors that determine the premium
| Factor | Effect on rate | Explanation |
|---|---|---|
| Activity type and risk code | Primary driver | Every profession and business carries a specific risk code; a surgeon and a consulting office differ fundamentally in rate. |
| Limit of liability | Direct | The limit should be at least equal to the full diyeh of the year of occurrence; raising it raises the rate, though not linearly. |
| Headcount or capacity | Direct | Under employer liability the number of workers sets the base; for hospitality venues the daily capacity is used. |
| Chosen deductible | Inverse | The larger the loss share you accept yourself, the lower the premium; the right balance depends on your finances. |
| Claims history | Direct | A previous loss file raises next year's rate; a claim-free record is a negotiating asset. |
| Endorsements | Direct | Coverage extensions such as moral damages, legal-defense costs or an extended discovery period each add premium. |
| Location and environment | Contributory | Population density, building type and safety equipment (emergency exits, fire alarm) feed the risk assessment. |
| Discounts and payment | Reducing | Annual payment, group issuance and combined packages usually carry discounts; ask during quotation. |
What drives the rate for popular coverages
What drives the rate for popular coverages
The English edition shows no amounts: the final premium is issued upon official quotation.
| Coverage | What drives the rate | Full guide |
|---|---|---|
| Physicians Professional Liability Insurance | Specialty, surgical vs outpatient practice, limit, claims history | Guide |
| Dentists Professional Liability Insurance | Clinical procedures (anesthesia, implants), number of chairs, limit | Guide |
| Lawyers and Legal Advisors Liability Insurance | Practice area, court levels represented, case volume, limit | Guide |
| Engineers Professional Liability Insurance | Discipline, design vs supervision role, project value, ten-year warranty exposure | Guide |
| Employers Liability Insurance | Number of workers, workplace hazard class, claims record | Guide |
| Public Liability Insurance | Visitor footfall, premises area, activity type, safety equipment | Guide |
| Product Liability Insurance | Product hazard class, production volume, distribution scope | Guide |
| Elevator Liability Insurance | Number of units, maintenance contract, building usage type | Guide |
The Persian edition (/price) additionally lists estimated starting ranges in Iranian rial terms; those figures are indicative only and must be matched against the current Bimeh Iran tariff and your own risk assessment.
Four steps to an official quotation
Four steps to an official quotation
Submit the quotation form
Register your activity type, city, headcount and desired limit in the quotation form (in Persian).
Risk assessment by the expert
The underwriter maps your risk code and required coverages from the declaration form and contacts you if needed.
Receive the official quotation
A pro-forma invoice is issued with the approved Bimeh Iran rate, breaking down the limit and deductible.
Pay and receive the policy
After confirmation and payment the policy is issued the same business day and delivered electronically.
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English.
Liability insurance pricing — FAQs
Request an official Bimeh Iran quotation
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.