For legal entities

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The object of insurance is the property interests of the insured relating to unforeseen expenses and losses in implementation of construction and other work in construction of buildings, as well as with compensation for damage.

The Insurants under the contract may be any individual or legal persons for whom a risk occurs in connection with the construction and mounting works:

  • customers;
  • contractors, subcontractors;
  • project organizations.

Insurance of construction risks is carried out in two sections:

  • Section 1 — finance damage;
  • Section 2 — liability against thirs parties.

Under the first section construction sites, reconstruction and repair, construction equipment, machinery and equipment, other assets are subject to insurance.

Under the second section liability of the insured to third parties for the material damage caused to their property or injury to life, health, applied in the production of construction, installation and commissioning works on the construction site itself or in the immediate vicinity, as well as maintenance periodis subject to insurance.

Additionally costs for clearing of the site after the accident can be insured.

The insurance benefit is determined by agreement of the parties and formed by the sum of the works value by the contract (work and labor contract); carrying amount of machinery and equipment; costs of the commissioning works, taking into account the highest possible damage; cost of materials and other property, which is the object of construction and so on.

The basic rates for this type of insurance are from 0.3% to 3.4% of the insurance benefit.