General guide
Liability Insurance for Newly Established Companies in Iran
Short answer
A newly established company faces three liability risk groups from day one: employees, third parties on the premises, and customers of its product or service. Prioritize coverage instead of buying everything at once and base each limit on the diyeh of the year of occurrence — liability insurance is also a common requirement in Iranian contracts and tenders.
Key points in brief
- Employer liability toward workers under Article 91 of the Labour Code exists from the first hire — independent of whether a policy is purchased.
- A common first-year priority order: employer liability → public liability toward third parties → professional liability → product liability; every company has a different mix, and the declared activity is the basis of the proposal.
- A formal liability policy is a commonly accepted document in Iranian contracts and tenders — match its scope and limit with the insurance clause of each contract.
- Growth — more staff, expanded activity, a new address — changes the risk and must be declared with a formal endorsement so the policy keeps matching the company.
- Public liability does not cover professional errors — specialised professional liability is issued as a separate coverage.
Persian twin page (authoritative)
The full Persian guide with the three day-one risk cards, the first-year priority table and the five-step buying path: راهنمای بیمه مسئولیت شرکتهای تازهتأسیس (صفحه فارسی)
Reviewed by the licensed team of Agency No. 20616, Bimeh Iran — last reviewed 27 October 2026.
Starting your company's first policy?
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.
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