Insurance against various risks has become one of the most extensive and popular directions these days. In the conditions of the modern economy, and not only in economic terms, but also in terms of health care and so on, it is simply impossible to avoid some unpleasant phenomena. But you can protect yourself when an insured event occurs. And many are successfully using it.
Insurance as part of life
Everyone is familiar with compulsory health insurance. This is our little blue card, which we present at the clinic. We do not pay anything for this card when we draw it up, however we are insured due to the deductions of the employer to the health insurance fund. A non-working population is insured by the state. However, there are other types of insurance. They are also binding and voluntary. For example, motor third party liability insurance and professional liability insurance.
For entrepreneurs, there are also plenty of opportunities to insure against unforeseen situations. For example, from bankruptcy. If the entrepreneur insured against bankruptcy nevertheless goes bankrupt, his property and financial obligations will be repaid by the insurer. Even applying for a loan, we pay the so-called insurance. In essence, this is the same as in the previous example. If we have difficulties and cannot pay our loan, this will be done by the insurance company.
Why do you need insurance
Cases in life are different. As there are positive phenomena, and negative. What will happen tomorrow, no one knows. Life and health insurance will help us in case of injury. Imagine that having broken your leg, you cannot go to work, move around the house fully, take care of young children. And none of the relatives can help you. You will have to hire a nanny, caregiver or other assistant. The situation in the labor market may result in a loss of work and livelihoods. It is no secret that Russian employers are not very responsive to the implementation of labor laws. This is where the insurance will help, which will pay for your treatment and expenses if the case is prescribed in the contract.
Professional liability insurance is especially relevant for complex work involving high risks. These are auditors working with large sums of money, doctors responsible for the health of patients, and drivers who drive heavy loads in different weather conditions. All people tend to make mistakes. Of course, it is unpleasant to realize this when speaking of such an important specialty as a doctor. But the fact remains the fact. Therefore, for such cases compulsory professional liability insurance has been introduced.
Russian insurance agencies
Today, the market is filled with insurance companies. Everyone has different prices and terms of the contract, different packages of offers and different difficulties of registration. The largest are now Rosgosstrakh, Alfastrakhovanie, Renaissance Insurance and Sogaz. There are lesser-known insurers, however, this does not make them worse. In order to prove the occurrence of an insured event, you have to work hard in any company. None of them will pay the sum insured without substantial evidence. And now in particular. The fact is that there are too many scammers earning in this field. Get ready for the fact that you will have to conduct several different examinations and submit conclusions to your agent.
Pros of professional liability insurance
Professional liability insurance can be useful for people whose job performance may not always be protected by the organization in which they work. Such people can be designers, architects, construction superintendents, medical workers, auditors and the like. The professional liability insurance of medical workers involves compensation for the health of the patient in the event of a medical error by an insurance agency. Of course, this does not mean that the insured doctor may not take his work with due responsibility. But in an unforeseen case, the availability of insurance will greatly help both the doctor and his patient. The same implies professional liability insurance for auditors. Only these people do not deal with the health of patients, but with large amounts of checked clients. High responsibility implies a high competence of the employee, however, people are not robots, mistakes can happen at all.
Features of this type of insurance
Professional liability insurance is a fairly young type of insurance in our country. In narrow areas, it has become quite popular, but the necessary regulatory framework in the legislation for it has not yet been created. Insurance companies may refuse to pay insurance due to the fact that certain risks may not be stated in the contract or in two ways. And to prove their right in court due to the lack of regulations will be quite difficult. And not every person will get insurance. You will have to work very hard to prove your competence, responsibility and work experience. For a graduate student who has just got a job, this program will not be available for many more years.
