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Professional Insurance

Professional Insurance

Occupational insurance protects the liability of natural or legal persons in professional plan for acts or omissions as punishable by law.

Coverage includes the costs of satisfying or rejecting third party claims against the insured for material and non-pecuniary damage caused by breach of professional obligations in carrying out the contract due to negligence, error or omission during the insurance period.

Lawyers

Professional liability insurance for lawyers is obligatory for any qualified attorney. Law firms are required to insure the liability of each of their partners. What coverage does this insurance provide? This insurance provides protection against claims for damages from clients of the insured…

Licensing and Control
Certification Activitiesr

This insurance is the liability of individuals authorized to issue certificates, assessments, permissions, official documents, and in particular according to the requirements of the Geodesy and Cartography Act for the compulsory insurance of natural persons qualified to carry out geodesy and cartography…

Insurance intermadiaries

Professional Liability Insurance of Insurance Brokers is obligatory for any insurance broker or insurance agent, called general insurance intermediaries. What coverage does this insurance provide?This insurance provides protection against claims for damages resulting from a culpable breach…

Investment intermediaries

‘Investment Intermediaries’ Professional Liability’ Insurance is obligatory from 1st November 2007 according to the Financial Markets Instruments Act. Insurance coverage provided for by this insurance concerns the following investment services and activities:

Persons using firearms

Private liability for persons using firearms’ insurance can be taken out by every person who has a permit to carry and use firearms. They can insure their liability in relation to using firearms for self-protection as well as using firearms for hunting.

Мedical staff

‘Medical staff professional liability’ insurance can be taken out by every person who has gained medical education and qualifications- doctor, chemist, dentist, healthcare specialist(nurse, midwife, medical auxiliary, laboratory assistant, rehabilitation therapist).

Notaries

The Insurance “Professional Indemnity of Notaries” is compulsory for every practicing notary. The insurance provides protection against claims for compensation filed by clients of the notary, who have suffered damages as a result of of his failure to fulfill his professional…

Auditors

The insurance “Professional Indemnity of Certified Public Accountants” is compulsory for every practicing certificated expert-accountant and specialized audit firm. The insurance provides protection against claims for compensation filed by his confidants due to damages caused during a financial audit of the firm’s financial reports…

Carriers

The insurance coverage for this insurance insures the carrier against claims to losses or damages of the freight having arisen during the time of transportation. Most insurance companies pay insurance damages for the goods up to their real value but not exceeding 8.33 SDR(special drawing rights)

Employers

What is insured is the employer’s responsibility for damages to his/her employees resulting from his own actions in the course of or because of fulfilling their obligations according to the employment contract. The insurance operates on the territory of the Republic of Bulgaria.

Executives and officials

‘Executives and officials’ Liability’ insurance covers the personal liability of the insured in relation to a particular company where the said person is an executive, manager, inspector or council member while as for a general partnership and a limited partnership- a managing partner, for:

Administrators

‘Professional Liability of the Administrator’ insurance is obligatory for every physical person who has been appointed administrator, temporary administrator or official administrator to a particular insolvency procedure (according to part IV of the Commerce Act).

Tour operators

The insurance “Professional Indemnity of Tour operators” is compulsory for everyone who has a license to work as a tour operator. The insurance provides protection against claims for compensation regarding property damages inflicted on the user, ensuing from unsettled bills of the tour operator…

Participants under the
Territorial Structure Act

Professional liability for participants in design and construction- obligatory insurance according to article 171 of the Territorial Structure Act. The Territorial Structure Act and Regulation for the conditions and procedures for obligatory insurance in the sphere of design…

Teachers and educators

Teachers and educators’ professional liability’ insurance is to be taken out by people working as teachers. What is insured is the professional liability of the insured in relation to: All sums up to the agreed indemnity limits which the insured is legally bound to pay as compensation for property and non-property…

Hotel and restaurant keepers

Hotel and restaurant keepers’ private liability’ insurance can be taken out by every person who is engaged in tourist activity in their own or rented by them tourist site falling in one of the following groups: Sites for shelter– hotel, motel, villa settlement or tourist settlement…

Private Enforcement Agents

‘Private enforcement agents’ professional liability’ insurance is obligatory for people working as such in compliance with Regulation No 2 of 6th February 2006. What is insured is the professional liability of the insured in relation to: