Civil liability insurance of operators or owners of hydraulic facilities
Article 15 of Federal Law “On hydraulic facilities safety” No 117-FL as of 21.07.97 obligates enterprises operating hydraulic facilities to insure their civil liability. Ingosstrakh sees its mission in proposing to such enterprises an insurance program meeting all the legal requirements and at the same time satisfying the needs of each particular enterprise.
Insured persons can be:
Owner of hydraulic facility,
Operating organization.
Insured objects are hydraulic facilities including:
Hydroelectric power plant dams and facilities;
Water collection, water distribution and water discharge facilities;
Tunnels, channels, pumping stations;
Shipping locks and ship elevators;
Facilities intended for prevention of floods water reserve bank destruction, shores and bottoms of river channels;
Facilities (dams), protecting industrial and agricultural liquid waste storage;
Facilities protecting against channel bed movement;
Other facilities intended for the use of water resources and prevention of hazardous impact of water and liquid wastes.
Insurance compensation includes:
Compensation of damage caused to life and health of natural bodies (physical damage);
Compensation of damage caused by destruction and/or damage to property of natural or legal entities (property damage).
In addition we can insure the following expenses:
Reasonable expenses associated with the rescue of life and property of persons affected by the damage or with the damage reduction if such expenses were necessary or were incurred on request of the Insurer;
Essential and reasonable expenses associated with the preliminary establishment of insurance events’ circumstances and the extent of the Insured person’s guilt, as well as extrajudicial protection of the Insured person’s interests in the event of such claims
Costs associated with the court and arbitration proceedings on the presumptive insurance events, including lawyer’s fees if the case transfer to the common law or arbitration court was made on consent of the Insurer and was unavoidable for the Insured person.
Insurance compensation payment:
Can be made upon the effective court ruling prescribing the compensation of the damage or in the pre-trial order.
