What is the amount of the sum insured?

The sum insured is established following an assessment of the risks that the industrial facility may pose. In the case of hazardous substance transport, the values are set by estimating the maximum possible damage in the event of an accident.

What documents are required to conclude the contract?

The contract is concluded on the basis of the Application-Questionnaire, to which the following are attached: the list of industrial/production facilities for which insurance is requested; documents describing the facilities/installations (technical inspection report, expert assessment documents, proof of compliance with safety standards); a copy of the insured's registration certificate; a copy of the extract from the State Register of Legal Entities of the insured.

What is the insurance period?

The insurance period is 12 months.

What constitutes an insured event and what measures must the insured take?

The insured event is the occurrence of the insured risk, upon which the insurer becomes obliged to pay compensation. When the insured event occurs, the insured is obliged to: notify the insurer in writing within 48 hours of the risk occurring; immediately inform the competent authorities so they can investigate the circumstances; request the competent authorities to issue the document confirming the event; draw up the notification of the insured event, signed and dated; and keep the damaged property in the condition in which it is found until it is inspected by the insurer's representative.

Third-party liability insurance for hazardous industrial facilities

Managing a production process involves major responsibilities. Whether you operate in the food, technical or oil industry, complex machinery, safety standards and the human factor require constant attention. Protect your business and comply with the legislation through Civil Liability Insurance for Hazardous Industrial Facilities (also known on the market as civil liability insurance for enterprises — sources of increased danger).

What risks are insured?

In the event of an accident at the hazardous industrial facility, resulting from its operation, material compensation will be provided for the damage caused to:

the life and health of third parties
the property of third parties
environmental pollution

Legal provisions

Law no. 151/2022 of 09.06.2022 on the safe operation of potentially hazardous industrial facilities and technical installations.

Potentially hazardous industrial facilities subject to insurance:

Law no. 151/2022 requires economic operators that own or operate the following categories of hazardous industrial facilities (also referred to on the market as “sources of increased danger”) to hold civil liability insurance:

Elevator insurance

Elevator insurance is one of the most requested policies in this category — any apartment block, medical centre or office building equipped with an elevator is required by law to hold this policy. Other lifting installations are also included:

elevators;
cranes;
overhead cranes.

Boiler house and pressure equipment insurance

Boiler house insurance covers pressure vessels and boilers, as well as steam pipelines — equipment found in most production units and in institutions with their own heating system.

Petrol station and fuel station insurance

Petrol station insurance is mandatory for gas distribution installations and equipment, as well as for fuel filling or storage stations.

Mill, grain elevator and dryer insurance

Relevant for the agro-industrial sector: covers facilities for storing, drying and processing grain and fruit — mills, grain elevators, dryers.

Insurance for hazardous substance production and storage units

Covers facilities for producing and storing hazardous substances, such as:

ethyl alcohol;
chlorine;
varnishes/paints.

Extraction site and quarry insurance

Protects economic operators in the extractive industry: ore extraction facilities and quarry works.

The full list of potentially hazardous industrial facilities is set out in the Nomenclature annexed to Law no. 151/2022. If your facility is not listed above, contact us to check.

Risks we have placed

See all

Construction and assembly · 2026 4,216,936 EUR Works, equipment and liability in one programme Maintenance after start-up Fleet CASCO · 2026 738,584 EUR 55 vehicles under a single contract, private use included Private use by the employee General liability · 2025 1,000,000 EUR Renewable energy, with product liability included Product liability CARGO · 2023 1,618,000 EUR Cargo from Moldova to the USA, with two transshipments Multimodal transport Accidents · 2025 148 pupils Cover valid anywhere in the world for the school year Worldwide cover Voluntary health insurance · 2026 63 employees Two levels of cover in the same contract Dental care on the upper level Voluntary health insurance · 2026 3,325 EUR Annual limit per employee, family members included Employee's family Machinery and stock · 2026 275,045 EUR Ten risk clauses on top of the basic cover Stock covered Buildings and assets · 2026 2,160,984 EUR A six-building property complex under a single policy Water damage included Agriculture · 2024 79,514 EUR Breeding pig herd, with emergency slaughter included Emergency slaughter General liability · 2026 5,000,000 GBP An exhibition stand in London, a 2-day policy Participation requirement Agriculture · 2024 90 bee colonies Loss of bees through pesticide poisoning Rarely quoted locally Hazardous industrial facilities · 2019 992,497 EUR A 1992 tower crane, with accidental pollution covered Compulsory insurance Directors and officers liability (D&O) · 2026 1,000,000 EUR A local policy within an international programme International programme Customs guarantee · 2025 30,023 EUR Guarantee to the Customs Service, temporary admission No bank deposit CMR — carrier's liability · 2026 200,000 EUR Territory extended to Asia, errors and omissions included Errors and omissions Medical malpractice · 2026 24,812 EUR Professional liability for a team of dentists Legal costs

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Useful information

The sum insured is established following an assessment of the risks that the industrial facility may pose. In the case of hazardous substance transport, the values are set by estimating the maximum possible damage in the event of an accident.
The amount of the insurance premium is set according to the insurer's tariff plan, taking into account:
- the type of industrial facility / potentially hazardous technical installation;
- the factors of its operation, and the receiving, use, processing and storage on-site of hazardous substances in certain volumes;
- the hazard level of the industrial facility/potentially hazardous technical installation, according to the legislation;
- the territory and location of the facilities.
The contract is concluded on the basis of the Application–Questionnaire, to which the following are attached:
- The list of industrial/production facilities for which insurance is requested;
- Documents describing the facilities/installations (periodic technical inspection report, expert assessment documents, proof of compliance with safety standards, etc.);
- A copy of the insured's registration certificate;
- A copy of the extract from the State Register of Legal Entities of the insured.
- 12 months
The insured event consists in the occurrence of the insured risk – a future, possible but uncertain event, provided for by the insurance contract, upon the occurrence of which the insurer becomes obliged to pay compensation, within the limits of liability stated in the Insurance Contract, if:
Upon the occurrence of the insured event, the insured is obliged to:
- Notify the insurer in writing immediately, but no later than 48 hours from the moment the alleged insured risk occurred.
- Immediately notify the authorities responsible for investigating the circumstances and establishing the causes of the insured event;
- Request that the competent authorities issue the document confirming the occurrence of the insured event;
- Draw up the notification regarding the insured event that occurred, which must be signed and dated. In the event of a dispute, the insured must provide proof of the notification. The notification must indicate: the details of the insurance contract, the insured object, the cause of the risk and an approximate assessment of the extent of the damage, and the date and time of its registration. The notification must also indicate any cases of negative impact (for example, uninsured risks, if any) on the insured objects;
- Keep the damaged property/objects in the condition in which they are found after the event, to allow the insurer to determine its causes and the extent of the damage. The inspection of the insured objects to establish the cause of the insured risk and the amount of damage is carried out only with the participation of the insurer's representative.

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