Faq

It is a kind of insurance which guarantees legal liabilities of employer for losses of employees who work contractually or subject to Social Insurance Institution Law in a workplace during their fulfillment of their liabilities.

Occupational diseases are not included in the main scope. However, if it’s required, can be added with additional clause.

Employer’s Liability insurance is optional not compulsory. 

Third party liability insurance covers the bodily injuries and material damages to third parties as a result of an accident by the insured or her/his employees and family members up to the limits specified in the policy.

Those who are bound to the real person as the insurance holder with a service or proxy relation, members of his/her family (insurance holder’s spouse, those he/she adopted, those adopting the insurance holder, if residing with the insurance holder, his/her siblings, sons-in-law, daughters-in-law, and other dependent relatives, siblings of insurance holder’s spouse by law and posterity) as well as the unlimited partners and authorized persons of legal entity as the insurance holder are not considered as third party. 

It is a kind of insurance that covers claims occurred to third parties due to accidents arising commercial building or residence building elevators to a certain limit.

Any damages and losses that occur due to exceeding the carrying capacity of lifts in commercial buildings or residence buildings are excluded from the coverage. 

It is a kind of insurance that liquid petroleum gas (LPG) companies which store LPG and bottle, cause to bottle, transport, sell it to consumers directly or via authorized dealers and are obliged to obtain license for those activities.

This insurance would cover any physical and material damages incurred by others as a result of explosion or gas leakage of tubes at the location that liquid petroleum gas companies fill or have such tubes filled via authorized dealers or market directly (whether they have fault or not) under their brand. However, any physical and material damages incurred by others as a result of explosion or gas leakage of tubes at the place of authorized dealer for not using but selling purposes will be covered from Hazardous Materials Compulsory Liability Insurance. 

This is a compulsory insurance that those who produce, store, transport or sell inflammable, combustible, explosive and burning materials. 

The Undersecretariat of Treasury publishes Tariffs and Regulations containing the limits for this insurance. 

Bottled Gas Compulsory Liability Insurance secures the liabilities of companies bottling liquid petroleum gas (LPG) against any physical and material damages they may cause as a result of explosion, gas leakage, fire at the place where the bottles filled or having filled and provided to the customers via authorized dealers or directly are stored for use (whether they have fault or not). Whereas, Hazardous Materials Compulsory Liability Insurance covers the liabilities of those producing, storing, transporting or selling inflammable, combustible, explosive and burning materials against any physical and material damages they may give to third persons, whether they have fault or not, as a result of incidents caused by such materials directly because of their such professional activities. 

The Law no. 5947 on Full-time Work by University and Healthcare Personnel and on Amendments to Specific Laws was published in the Official Journal dated January 30, 2010 and issue no. 27478; and the additional article 12 that was added to the Law no. 1219 on the Mode of Execution of Medicine and Medical Sciences under the 8th article of aforementioned law stipulated the obligation to take out compulsory professional liability insurance for doctors. General Terms and Conditions, Tariffs and Regulations for Compulsory Liability Insurance regarding Medical Malpractice entered into force on July 30, 2010 and were published in the Official Journal of July 21, 2010, issue no. 27648.

This insurance contract covers;

a) the damages that arise as a result of incident occurred during the contract period and that are claimed to be indemnified during or after the expiration of contract in accordance with the provisions of liability,

b) claims that may arise against the insurance holder only within the contract period due to an incident occurred before the contract or while the contract was in force,

c) hearing expenses in connection with this loss and claim

while the doctors, dentists and specialists according to medical specialization working self-employed or in public or private healthcare institutions and organizations are practicing their profession specified in the policy, within the Law no. 1219, Additional article 12. 

The Law no. 5947 on Full-time Work by University and Healthcare Personnel and on Amendments to Specific Laws was published in the Official Journal dated January 30, 2010 and issue no. 27478; and the additional article 12 that was added to the Law no. 1219 on the Mode of Execution of Medicine and Medical Sciences under the 8th article of aforementioned law stipulated the obligation to take out compulsory professional liability insurance for doctors.

 The premiums are determined in accordance with the Tariffs and Regulations for Compulsory Liability Insurance as published in the Official Journal dated 21.07.2010 and issue no. 27648.