Страхование ответственности

Страхование ответственности

Insured objects

Manufacturer

Liability for injury or property damage caused by a defective product.

Seller/Distributor

Liability arising from products placed on the market, including packaging.

Contractors/Service providers

Liability from installation, servicing or repair errors.

Legal defence costs and Product Recall

Litigation, experts, withdrawal/notification (if included).

Risks insured

Bodily injury or property damage arising from product use (e.g., burns, electric shock).

Loss arising from hidden manufacturing defects, including series defects.

Loss caused by installation or service errors (completed operations).

Types of cover

Basic

Bodily injury and property damage caused by products.

Completed Operations

Liability arising after completion of works/services.

Extended Coverage, Including Product Recall

Third-party damages plus recall/withdrawal, replacement and notification costs (as agreed).

Why insure with us

30+ years of insurance expertise
30+ years of insurance expertise

30+ years of insurance expertise

We understand the market and business needs. Our experience enables reliable solutions across industries and company sizes.

Fast claims settlement

Our processes are designed to deliver payouts as quickly as possible with minimal formalities.
Tailored programmes for your business
Tailored programmes for your business

Tailored programmes for your business

We build insurance solutions that reflect your operations and budget.

International support

We work with global partners to provide insurance protection for companies operating outside Russia.

Convenient Policy Issuance in 4 Steps

Send the Request  Get the Quote

Send the Request Get the Quote

Get the Quote

Get the Quote

Confirm Terms

Confirm Terms

Get the Policy

Get the Policy

Ready to secure your business?

An expert will contact you within a day and find an effective solution

FAQ

Still have questions?

How to receive a claim payment

Notification

1

Immediately inform Balance Insurance about the incident by phone or email:

Support

2

We will help you gather the required documents and keep you informed throughout the review process.

Payment

3

After your claim is reviewed, we will make the payment to the bank details you provided within the stipulated time frame.

Resource Documents

General Conditions for Civil Liability Insurance (23.08.2024)
General Conditions for Civil Liability Insurance (23.08.2024)
General Conditions for Professional Liability Insurance (30.05.2025)
General Conditions for Professional Liability Insurance (30.05.2025)
Bank Insurance Rules Against Electronic and Computer Crimes (15.10.2024)
Bank Insurance Rules Against Electronic and Computer Crimes (15.10.2024)
Civil Liability Insurance Rules for Air Carriers and Aircraft Operators (22.05.2023)
Civil Liability Insurance Rules for Air Carriers and Aircraft Operators (22.05.2023)
Civil Liability Insurance Rules for Motor Carriers and Freight Forwarders (23.01.2025)
Civil Liability Insurance Rules for Motor Carriers and Freight Forwarders (23.01.2025)
Civil Liability Insurance Rules for Airport Owners, Airport Services and Air Traffic Controllers (27.09.2024)
Civil Liability Insurance Rules for Airport Owners, Airport Services and Air Traffic Controllers (27.09.2024)
Civil Liability Insurance Rules for Damage Caused by Defects in Construction Works, Design Documentation Preparation Works and Engineering Surveys
Civil Liability Insurance Rules for Damage Caused by Defects in Construction Works, Design Documentation Preparation Works and Engineering Surveys
Civil Liability Insurance Rules for Transport Customs Terminal Operators (22.05.2023)
Civil Liability Insurance Rules for Transport Customs Terminal Operators (22.05.2023)
Civil (Professional) Liability Insurance Rules for Professional Securities Market Participants (05.12.2024)
Civil (Professional) Liability Insurance Rules for Professional Securities Market Participants (05.12.2024)
Civil Liability Insurance Rules for Motor Vehicle Owners (15.07.2024)
Civil Liability Insurance Rules for Motor Vehicle Owners (15.07.2024)
Civil Liability Insurance Rules for Organizers of Entertainment, Sports, Recreational, Cultural and Public Events
Civil Liability Insurance Rules for Organizers of Entertainment, Sports, Recreational, Cultural and Public Events
Civil Liability Insurance Rules for Participants in the Transport of Dangerous Goods by Land (27.11.2024)
Civil Liability Insurance Rules for Participants in the Transport of Dangerous Goods by Land (27.11.2024)
Directors and Officers Liability Insurance Rules (05.03.2024)
Directors and Officers Liability Insurance Rules (05.03.2024)
Liability Insurance Rules for Property in Warehouse Storage (04.07.2025)
Liability Insurance Rules for Property in Warehouse Storage (04.07.2025)
Liability Insurance Rules for Money Transfer Operators - Bank Card Issuers (11.10.2024)
Liability Insurance Rules for Money Transfer Operators - Bank Card Issuers (11.10.2024)
Appraisers Liability Insurance Rules (12.12.2024)
Appraisers Liability Insurance Rules (12.12.2024)
Third Party Liability Insurance Rules for Construction and Erection Works (22.05.2023)
Third Party Liability Insurance Rules for Construction and Erection Works (22.05.2023)
Employers Liability Insurance Rules for Harm Caused to Employees (22.05.2023)
Employers Liability Insurance Rules for Harm Caused to Employees (22.05.2023)
Customs Brokers Liability Insurance Rules (07.07.2025)
Customs Brokers Liability Insurance Rules (07.07.2025)
Liability Insurance Rules for Producers, Sellers and Performers (23.01.2025)
Liability Insurance Rules for Producers, Sellers and Performers (23.01.2025)
Financial Institutions Liability Insurance Rules for Causing Losses (30.05.2025)
Financial Institutions Liability Insurance Rules for Causing Losses (30.05.2025)
Lawyers and Attorneys Liability Insurance Rules (08.12.2025)
Lawyers and Attorneys Liability Insurance Rules (08.12.2025)
Standard Conditions for Civil Liability Insurance(22.05.2023)
Standard Conditions for Civil Liability Insurance(22.05.2023)
Civil Liability Insurance Rules for Enterprises - Sources of Increased Danger (17.12.2025)
Civil Liability Insurance Rules for Enterprises - Sources of Increased Danger (17.12.2025)