Business insurance

For business

Commercial property insurance

Voluntary insurance of a company's buildings, equipment, goods and stock in Russia: which risks a policy covers, how to set the sum insured, what drives the rate and how to get paid.

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Cargo insurance

Cargo insurance for domestic and international shipments from Russia: coverage terms, the link with Incoterms, how it differs from carrier liability, rates and claims.

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General liability insurance

General (third-party) liability insurance for businesses in Russia: what the policy covers, who needs it, SRO and customer requirements, pricing and how victims are paid.

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Professional liability insurance

Professional liability insurance in Russia for consultants, designers, IT firms and other specialists: what it covers, where it is mandatory, pricing and choosing a policy.

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Directors and officers liability insurance (D&O)

D&O insurance in Russia — liability cover for directors and officers: protection from claims by shareholders, creditors and counterparties, subsidiary liability, cover, price.

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Construction and erection all risks insurance (CAR/EAR)

Construction and erection all risks insurance in Russia: cover for works, materials and plant, third-party liability, Civil Code, 44-FZ and SRO requirements, price and claims.

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Corporate voluntary health insurance (DMS) for employees

Corporate DMS (voluntary health insurance) in Russia: programmes, clinics, tax treatment under the Tax Code, cover for foreign workers, cost drivers and choosing an insurer.

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Employee accident insurance

Corporate personal accident insurance for employees in Russia: how it differs from compulsory social insurance under 125-FZ, risks, sums insured, price and claims.

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Fleet insurance

Corporate fleet insurance in Russia: compulsory OSAGO for every vehicle and fleet KASKO under a single contract. What is covered, what drives the price, fines and choosing an insurer.

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OSOPO — hazardous facility owner liability insurance

OSOPO under Law 225-FZ: which facilities must be insured, sums insured from RUB 15 million to 9.75 billion, payouts to victims, the fine under Article 9.19 KoAP and choosing an insurer.

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OSGOP — carrier liability insurance for passengers

OSGOP under Law 67-FZ: who must insure, sums insured per passenger, payouts for death and injury, fines of up to RUB 1 million under Article 11.31 KoAP and choosing an insurer.

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Agricultural insurance

Agricultural insurance in Russia: crops, plantings, farm animals and aquaculture, including state-subsidised cover under Law 260-FZ — subsidy, conditions, deductible and payouts.

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Cyber insurance

Cyber insurance for businesses in Russia: investigation and recovery costs, downtime after an attack, client claims after a data leak. What is covered, exclusions, price and choosing a policy.

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Marine and inland vessel insurance

Marine and inland vessel insurance in Russia: hull and machinery for sea and river vessels, shipowner liability to third parties, crew and cargo owners. Compulsory cover, price and claims.

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Aviation insurance

Aviation insurance in Russia: aircraft hull cover, compulsory carrier and operator liability under the Russian Air Code, crew insurance, pricing and claims.

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