Insurance

Comprehensive cover for the company’s property — from office premises to production equipment and warehouse stock — against a range of risks, including fire, flooding, natural disasters and other unforeseen events.

A business interruption policy covers lost profit and ongoing costs incurred while operations are halted — by property damage, natural disaster or terrorism. It is always written in addition to a property policy.

Construction and erection all risks insurance protects the works, materials, equipment and plant against physical damage or destruction at every stage, from site preparation to handover. Cover includes fire, natural disasters, theft, malicious acts by third parties, and errors in erection and design.

Cargo insurance protects against financial loss when goods travel by road, rail, air or sea within Uzbekistan and abroad. Cover includes total or partial loss of the cargo and damage caused by an accident, theft, natural disaster, fire or loading errors. Both single shipments and all shipments during the year under an open (annual) cover can be insured.

A voluntary motor insurance contract is written to protect the policyholder’s property interests connected with the risk of loss (destruction) of or damage to the insured vehicle.

This policy protects the property interests of the insured connected with paying for medical and other services following a health disorder or a condition requiring medical supervision and treatment, including preventive measures that reduce threats to life or health.

Travel insurance covers the costs that may arise on a trip abroad: emergency medical treatment, hospital care, repatriation and legal assistance. Cover can be extended to trip cancellation, lost or delayed baggage, sports injuries and third-party liability. The policy suits leisure and business travel alike, and annual multi-trip cover.

Cover for the company’s liability to third parties against a range of risks, including harm to their life and health, damage to their property and other unforeseen events arising in the course of the company’s activities.

Carrier's liability insurance covers the transport company's duty to compensate the cargo owner for loss of, shortage in or damage to the cargo in transit.

This policy protects the property interests of companies connected with their duty to compensate third parties for loss caused by erroneous or insufficient actions in the performance of their professional duties.

Employers' liability insurance covers the company's legal liability for injury, illness or death of employees arising in the course of their work. The insurer pays compensation after an accident at work or an occupational disease that causes temporary or permanent incapacity, or the death of an employee.

A directors and officers (D&O) policy protects individuals against losses if they are sued over decisions taken while serving on the board or as an officer. It can also cover the company’s legal defence costs and damages arising from allegations of wrongful acts.

An export credit policy covers the risk of non-payment for goods and services you supply to foreign buyers on deferred payment terms. Non-payment may follow buyer insolvency, protracted default, or adverse government action — civil war, currency inconvertibility, nationalisation, terrorism — that makes payment to the supplier impossible.

A factoring policy protects banks and factoring companies that purchase their clients’ receivables against commercial and political risk.

A cyber policy protects your business against data breaches and other cyber security risks.