A specialized sub-committee on liability insurance was held at Cooperative Insurance Company

According to the financial news report According to the public relations of Cooperative Insurance, a meeting was held to revise the general conditions of professional civil liability insurance for supervising engineers, designers, and building accountants in Cooperative Insurance Company, and they reviewed solutions and adopted new measures to achieve better conditions for insurers and policyholders. became.

In this meeting, which was hosted by Asal Ashtari, head of liability insurance of Cooperative Insurance, liability insurance managers of Parsian, Razi, Mihan, Arman, Dana and Pasargad companies (who also act as the first secretary of the liability working group) were held.

It should be noted that in this meeting, there was a discussion about the mistaken belief that exists in the insurance industry and that insurance policies are only issued based on accidents, and the current need for claim-based insurance policies was also discussed, and in this regard, the managers of the industry believed: today the discussion Claim-based insurances have a special place in the world, and we have not yet launched such a thing in Iran, and we have not yet started using insurance policies with a claim-based approach in providing insurance services.

Managers of liability insurance of insurance companies believed that “every new issue and evolution and change in the discussion of liability insurance is created based on need; In other words, there must be a need from the applicant (insurers) to make that change, which we have observed and understood among engineers. Therefore, in this meeting, we came to the conclusion that we have developed conditions with an almost claim-oriented approach so that we can be innovative and facilitative in providing services to our customers in the best way.”

Based on this, the liability insurance managers of insurance companies have voted for the initial change of this article in their summation regarding article three of the general conditions as follows: “The subject of the insurance policy is the professional civil liability of the insured towards persons The third one who, due to carelessness or carelessness (deficiency) of the policyholder in line with his professional competence, suffers bodily injury, death or financial loss, provided that the damage has occurred during the validity period of the insurance policy and the policyholder has been diagnosed with the insurance. If the judicial authorities are found responsible and obliged to compensate the damage, the insurer will take action to compensate the damage.

It is worth noting that the above item has not yet been approved and there is a possibility to review it again.