Kako je buduća dešavanja teško predvideti, uz odgovarajuću polisu osiguranja možemo umanjiti štetu potencijalnog štetnog događaja u budućnosti.
There are several types of liability insurance:
Osiguranje opšte odgovornosti pokriva odgovornost osiguranika za štete koje, na osnovu građansko-pravnih odštetnih zahteva, treća lica podnose prema osiguraniku zbog iznenadnog i neočekivanog nastanka štete (nesreće) koja proizilazi od izvora opasnosti koji za posledicu ima povrede lica (telesne povrede, oboljenja ili smrt lica) i oštećenje stvari (oštećenje, uništenje ili nestanak stvari). Na primer – u slučaju pada u maloprodajnom objektu prilikom odlaska u kupovinu, po polisi opšte odgovornosti klijent, kao kupac u tom objektu – može naplatiti svoju štetu.
Zakonska obaveza je da izvođači radova prije samog početka izvođenja radova moraju osigurati i imati u toku cielog procesa osiguranu svoju odgovornost za štetu koja bi mogla nastati prema trećim licima u vezi sa obavljanjem njihove delatnosti. Osiguranjem odgovornosti izvođača građevinskih radova pored pokrivenih šteta pričinjenih trećim licima, pokrivene su i štete prouzrokovane licima, na objektima i finansijski gubitak.
Osiguranje projektantske odgovornosti pokriva odštetne zahteve (zahtevi za naknadu štete) naručioca usluga ili trećih lica, uključujući i direktne finansije gubitke prema osiguraniku, za štete nastale usljed stručne greške osiguranika (licencirano lice) u tehničkoj izradi projektne dokumentacije, pri tehničkom i građevinskom nadzoru i kod revidiranja projekata, ako greška ima za posledicu fizička oštećenja (uništenje i/ili oštećenje) na osiguranom objektu koji se izgrađuje po projektu koji je osiguranik izradio.
Osiguranje od profesionalne odgovornosti obavezno je kod velikog broja delatnosti. Osiguranje od profesionalne odgovornosti zakonska je obaveza svih lica koja pružaju profesionalne usluge trećim licima. Tom polisom se štite treća lica koja koriste usluge profesionalca u slučaju nastanka štete.
Predmet osiguranja je odgovornost osiguranika zbog stručnih grešaka pri obavljanju registrovane delatnosti osiguranika i kod njega zaposlenih lica (npr. advokatskih ili notarskih pripravnika).
Neke od delatnosti koje podležu obaveznom osiguranju od profesionalne odgovornosti su: revizori, lekari i ostalo medicinsko osoblje, projektanti i izvođači radova, procjenitelji, javni izvršitelji, advokati, notari, sudski veštaci, posrednici u osiguranju…
As future events are difficult to predict, with an appropriate insurance policy we can reduce the damage of a potential loss event in the future.
There are several types of liability insurance:
General liability insurance covers the liability of the insured for damages that, on the basis of civil-law compensation claims, third parties file against the insured due to the sudden and unexpected occurrence of damage (accident) arising from a source of danger that results in personal injuries (bodily injuries, illnesses or death of a person) and damage to things (damage, destruction or disappearance of things). For example - in the case of a fall in a retail establishment while going shopping, under the general liability policy, the client, as a customer in that establishment - can collect his claim.
It is mandatory for contractors, before the commencement of the works, to provide and maintain during the entire process insurance that covers their liability for damage that could occur to third parties in connection with the performance of their activities. Contractors professional liability insurance in construction works, in addition to damage caused to third parties, also covers damage caused to persons, to buildings and financial loss.
Design liability insurance covers claims (claims for compensation) of the contracting authority or third parties, including direct financial losses to the insured, for losses caused by the professional error of the insured (a licensed person) in the technical preparation of project documentation, during technical and construction supervision and review of projects, if the error results in physical damage (destruction and/or damage) to the insured object that is being built according to the project created by the insured.
Professional liability insurance is mandatory for a large number of activities. Professional liability insurance is a legal obligation of all persons who provide professional services to third parties. This policy protects third parties who use the services of a professional in case of damage.
The subject of the insurance is the liability of the insured due to professional errors in the performance of the registered activity of the insured and the persons employed by him/her (e.g. attorney or notary trainees).
Some of the activities that are subject to mandatory professional liability insurance are: auditors, doctors and other medical personnel, designers and contractors, appraisers, public bailiffs, lawyers, notaries, court experts, insurance brokers...
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