Compulsory civil liability insurance for organisations operating hazardous production facilities. The policy covers harm caused to third parties and the environment in an accident at such a facility.
Who must hold it
The policy is taken out by organisations operating hazardous production facilities. The obligation is established by the Law of the Kyrgyz Republic "On Compulsory Civil Liability Insurance of Organisations Operating Hazardous Production Facilities" No. 202 of 15 August 2008.
What is covered
- harm to the life and health of third parties in an accident at a hazardous facility;
- damage to third-party property;
- harm to the environment.
How the price is calculated
The calculation is made separately for each facility: the type of hazardous facility, the liability limit, the base rate and coefficients. Where several facilities are operated, each is entered as a separate item with its own parameters and the premium is the sum of the calculations for all of them. The number of employees working at the hazardous facilities is also taken into account. A sales tax of 2% is applied to the calculated premium.
How to arrange it
- Enter the insurance period and the policyholder organisation’s details.
- Enter the sources of increased danger and add the facilities — for each, state the type and the liability limit.
- State the number of employees working at the hazardous facilities.
- Complete electronic identification and sign the documents with an electronic digital signature.
- Pay the premium and receive the policy in electronic form.
The policy can also be arranged at the head office and at any SIO branch. Payment is accepted online, by QR code, bank transfer, mobile banking apps, at a terminal or at the cash desk.
Documents required
The organisation’s registration documents; details of the hazardous facilities — type, characteristics and location; documents on their registration in the register of hazardous production facilities; the number of employees working at those facilities.
If an accident occurs
- Take measures to contain the accident, rescue people and reduce the harm.
- Notify the emergency services and the state authority for industrial safety.
- Record the circumstances and collect the details of the injured and of witnesses.
- Notify SIO — on the call centre numbers 0 553 54 54 00 and 0 707 54 54 00 or through the claim form on the website.
- Submit a claim with the accident investigation report.
Other compulsory liability classes
If the business involves employees, passenger transport or the carriage of dangerous goods, employer’s liability, carrier’s liability and dangerous goods carrier liability apply. For risks outside the compulsory classes there is voluntary general liability.
Electronic specimen of the contract (insurance policy)
A specimen of the hazardous facility operator liability insurance policy is available here: download PDF. The specimen contains sample data; the authenticity of a policy is verified via the QR code or the link printed at the bottom of the policy. It is published in accordance with Article 21, part 2, item 10 of the Law of the Kyrgyz Republic on Insurance and Insurance Activities.