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Compulsory Liability Insurances

Compulsory Seat-Based Personal Accident Insurance for Highways Passenger Transportation

If you are engaged in the passenger transportation business, your first priority is the safety of your passengers and employees. But even if you take all the applicable measures, some unforeseen events can still surprise you. To provide you with security in these circumstances, at MAPFRE SIGORTA, we have developed Compulsory Seat-Based Personal Accident Insurance for Highways Passenger Transportation. With this product, you can provide security for drivers, their aides, and passengers against unexpected risks.

Compulsory Financial Liability Insurance for Highway Transportation

Highway transportation entails risks that can have substantial consequences. That’s why you must be able to face and cover major liabilities. The Compulsory Financial Liability Insurance for Highway Transportation designed according the liabilities involved in your profession supports you by providing assurance against the financial liabilities you could incur regarding the passengers of the vehicle, in the event of an accident.

Compulsory Financial Liability Insurance for Private Security

The Compulsory Financial Liability Insurance for Private Security provides coverage for your employees and your firm, in the face of problems that may arise with respect to the business risks involved in private security service.

Compulsory Financial Liability Insurance for Hazardous Materials and Hazardous Waste

The transportation of hazardous materials and waste, as well as the neutralization of such substances, always entails high-risk consequences for employees and organizations. The Compulsory Financial Liability Insurance for Hazardous Materials and Hazardous Waste which we have developed with the risks in mind ensures your firm’s liabilities are covered before third parties.

Compulsory Liability Insurance for Bottled Gas

In the LPG business, you can never be too careful when it comes to unexpected situations. Even the smallest mistake can lead to serious consequences and bring you substantial financial burdens. Compulsory Liability Insurance for Bottled Gas protects you against any burdens such consequences may impose on you.

Compulsory Liability Insurance for Marine Pollution by Waterside Facilities

This policy covers any costs you may incur for cleaning operations in the area as a result of a marine pollution event threatening nature, as well as for the transportation and disposal of the waste. Furthermore, we provide coverage up to the amount specified on the policy, for any legal liability which arises due to the injury or death of third parties, or damage caused to private property.

Compulsory Liability Insurance for Medical Malpractice

If you are a medical professional, physician, or dentist, you need Compulsory Liability Insurance for Medical Malpractice coverage. At MAPFRE SIGORTA, with the Compulsory Liability Insurance for Medical Malpractice, we provide you with coverage against any claims you may face during the performance of your professional activities.

Compulsory Seat-Based Personal Accident Insurance for Highways Passenger Transportation

Tümünü Göster

This insurance provides coverage for passengers traveling within the framework of intercity passenger transportation operations, as well as the drivers and aides involved, against the consequences of any accident that occurs during travel, including any stops, from the start to the end of the whole transportation service, subject to the General Terms of Compulsory Seat-Based Personal Accident Insurance for Highways Passenger Transportation. The carrier registered on the policy should hold the carrier license issued on the basis of the Highways Transportation Law No. 4925 dated 10.07.2003. The transportation of passengers should be carried out subject to the provisions of the law, save for cases where otherwise is necessary, while the vehicle used for transportation should be registered on the policy.

Compulsory Financial Liability Insurance for Highway Transportation

Tümünü Göster

Through this insurance, the insurer provides coverage for the insured’s liability under the Highways Transportation Law No. 4925 dated 10.07.2003, up to the insurance figures specified on the policy, in case passengers traveling on the motor vehicle specified on the policy incur bodily harm as a result of an accident during the time frame between the departure location and the arrival location.

Compulsory Financial Liability Insurance for Private Security

Tümünü Göster

Through the Compulsory Financial Liability Insurance for Private Security, the insurer covers the damages private security staff employed by the policy holder under the Law no. 5188 on Private Security Services may cause to third parties during the performance of their duties within the framework of the regulations concerning private security service, subject to the limit specified on the insurance policy.

Compulsory Financial Liability Insurance for Hazardous Materials and Hazardous Waste

Tümünü Göster

This insurance provides coverage up to the amounts specified on the policy, and subject to the General Terms of Liability Insurances to be Procured for Hazardous Materials, against the liabilities that legal and natural persons engaged in professions related to the hazardous materials specified in the Decision dated 11.03.2010 No. 2010/190 on the Liability Insurances to be Procured for Hazardous Materials may face as a result of an accident occurring due to their related professional operations, regardless of their fault in the event, with respect to the bodily and material damages third parties may incur directly.

This insurance provides coverage for the liabilities that legal and natural persons engaged in the production, storage, transportation, sale and use of any kind of inflammatory, combustible, explosive and incendiary natural or synthetic materials in solid, liquid or gas form, as well as legal and natural persons engaged in the collection, transportation, temporary and interim storage, recovery, reutilization, and disposal of hazardous wastes covered by the Environment Law No. 2872 dated 09.08.1983 may face, regardless of their fault in the event, with respect to the bodily and material damages third parties may incur as a result of accidents occurring during the performance of their related professional activities.

  • The following materials are covered by the insurance:

  • Petroleum and petroleum products

  • Ammunition and explosive materials

  • Fertilizers, chemical salts, acids, bases, dyes

  • Other chemicals (oxygen acetylene carbide, synthetic gasoline, nitrogen, peroxide, etc.)

  • Pyrotechnical materials except those sold in retail (lighting and signal flares, fireworks, firecrackers, caps for children toys)/p>

  • Any kind of spirits, alcohol and matches, save for those sold on a retail basis

  • Liquefied petroleum gases, compressed natural gas and coal gas

  • Other hazardous chemicals covered by the Environment Law No. 2872 but not noted above

  • Hazardous wastes covered by the Environment Law No. 2872

Compulsory Financial Liability Insurance for Bottled Gas

Tümünü Göster

This insurance provides coverage for the liabilities that firms bottling Liquefied Petroleum Gas (LPG) may face (regardless of their fault in the event) for any bodily and material damages caused by the bottled gas they fill out or procure, and supply to the consumers directly or via authorized dealers, which explode, leak gas, or cause a fire at the locations where they are kept, subject to the General Terms of Compulsory Financial Liability Insurance for Bottled Gas.

Compulsory Liability Insurance for Marine Pollution by Waterside Facilities

Tümünü Göster

Through this insurance, the insurer shall provide coverage up to the insurance figures specified on the policy, for the legal liability the Policy Holder may incur under the provisions of Law No. 5312 dated 3.3.2005 on the Intervention in Emergencies Regarding the Pollution of Marine Environments with Petroleum and Other Hazardous Materials, and on the Principles of Indemnification for Damages, for cleaning costs, expenses incurred for the transportation and disposal of waste, damages caused by the injuries and death of third parties, and damages caused on private property, as a result of pollution or threat of pollution arising in internal waters, territorial waters, on the continental shelf, or exclusive economic zone of Turkey, in consequence of an event caused by the waterside facility specified on the policy. Any pollution which is not a sudden and unexpected development, as well as the consequences of gradual occurrence of pollution are not covered by the present insurance.

Compulsory Liability Insurance for Medical Malpractice

Tümünü Göster

This insurance agreement provides coverage subject to the limits stipulated on the policy, for physicians, dentists, and other specialists subject to the medical specialization regulations, who are self-employed, or who work at public or private medical institutions or entities under the provisions of Appendix 12 of the Law No. 1219, against insurance claims raised during the term of the contract regarding the performance of their profession specified on the policy, during the 10 years predating the contract date or during the term of the contract, as well as any associated trial costs and interest to be ruled, not to mention the reasonable costs regarding the insurance claim raised against the insured.
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