За Представителство на ЗБ ТТ Инс

Property insurance of physical and legal entities – insuring citizens’ property and companies’ business property. The subject of the insurance are: immovable and movable property, which are insured against: fire, natural disasters, accidents, earthquakes, robbery, burglary, vandalism, loss of income from a rental property, clear-up costs after insured event, breaking of window glass and shop windows, third party liability. The objects of insurance are: apartments, offices, storehouses, houses, villas, shops, workshops, furnishing, hi-tech, devices, goods, materials, equipment, etc.

Casco – insurance, the necessity of which is strongly realized by the client. Protection is provided for a motor vehicle, owned by physical or legal entities. Risks covered – fire, natural disasters, road accidents, vandalism, robbery, burglary.

Before concluding a Casco policy, several important factors for the Bulgarian market should be analyzed:

• Selection of a stable and secure company (for many reasons)
• Where is the Motor Third Party Liability Insurance concluded? Will the car be used for travelling abroad?

Motor Third Party Liability Insurance covers the liability of the motor owners and drivers against material damages/non-material damages they have caused to third parties by using the insured motor vehicle. We, as professionals, recommend you to consider this insurance with great care because of the responsibility we, as motor drivers, have towards the rest of the traffic participants.

Insurance is provided for cargoes which are subject to import, export, re-export or transportation on the territory of the Republic of Bulgaria (regardless of the type of vehicle) against loss/damage, or costs as a result of occurrence of insured event. The Cargo insurance is concluded in compliance with the acting London Institute Cargo Clauses – ICC ‘A’ /total/, ICC ‘B’ /partial/, ICC ‘C’ /basic/.

The accident insurance policy is concluded for events related to the life and labour efficiency of the Insured, as the Insurer is obliged to pay the Insured or a person authorized by him/her the sum insured, as agreed in the policy, and/or a compensation in case of occurrence of insured event within the limits of the risk covered.

Risks covered:

• Death caused by an accident
• Permanent loss of labour efficiency caused by an accident
• Temporary loss of labour efficiency caused by an accident
• Medical costs

Concluding a life insurance policy requires the necessary time to carry out analysis of the client’s needs, i.e. his idea, to select the best insurance company and the most appropriate insurance product. We recommend that all factors be considered before concluding this policy, since this is a long-term contract for 10, 15, 20 years, concerning the most important human asset – one’s life. One of the differences in life insurance between Bulgaria and the advanced countries concerns the attitude towards one’s own life, thanks to which, we, as individuals and persons, are capable to carry out all other activities. Therefore, taking down a life insurance policy should be a priority. Most people in Bulgaria conclude insurance policies of everything else, like cars, homes, offices, etc., while life insurance comes last. Recently a change in this tendency has been seen, due to the increase of people’s income and the growing awareness of the need to protect one’s own life, which is quite encouraging in general.

The Construction and Erection Works Insurance provides protection against all risks, which can occur and cause damages to the construction and erection works, machinery and materials related to the construction site. The objects of the insurance are construction projects of all kinds, like apartments, offices and industrial buildings, road and railway networks and facilities, airports, bridges, tunnels, canals, ports, etc.

Professional liabilities take an important place on the general insurance market. Such insurance policies protect us from liability for our actions/lack of actions as physical or legal entities. They cover the direct costs for satisfying or rejecting claims by third parties towards the Insured for economic and non-economic damages while/as a result of undertaking insured activities.