Flexibility
You can insure any personal property against any risk under terms that are optimal for you.
Liability Insurance for Enterprises with Increased Risk Potential
Liability insurance for enterprises with increased risk potential (ARSPS) is a type of insurance mandated by R.M. Law No. 151 of 09.06.2022 on the safe operation of industrial facilities and potentially hazardous technical installations.
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Article 24. Mandatory civil liability insurance for damage caused to the life, health, or property of individuals, as well as the environment, states: "The operator owning an industrial facility or technical installation is required to hold a mandatory civil liability insurance contract for damage caused to the life, health, or property of individuals, as well as the environment, in accordance with normative acts."
The amount of the insurance premium is determined according to the tariff plan established by the Insurer, taking into account:
The contract is concluded based on a Questionnaire-Application, to which the following must be attached:
How much does civil liability insurance for enterprises - sources of increased danger cost?
The amount of the insurance premium is determined according to the tariff plan established by the Insurer, taking into account:
- the type of industrial facility/technical installation with potential danger;
- the level of danger of the industrial facility/technical installation, according to the legislation;
- its operating factors, reception, use, processing, and storage of hazardous substances at the site in specific volumes;
- the territory and location of the facilities.
What documents are required for concluding a civil liability insurance contract for enterprises with increased danger?
The contract is concluded based on a Questionnaire-Application, to which the following must be attached:
- A list of hazardous industrial objects for which insurance is requested;
- Documents characterizing hazardous industrial objects (depending on the type of insured object): technical (operational) manuals; control report or inspection report/conclusion of an accredited and registered inspection body confirming that the technical installation/technological system is safe to operate;
- A copy of the Insured's registration certificate;
- A copy of the extract from the State Register of legal entities of the Insured.
What does an insured event mean, and what measures should the insured take when it occurs?
An insured event refers to the occurrence of an insured risk – a future, possible, but uncertain phenomenon specified in the insurance contract. When it occurs, the Insurer is obligated to provide compensation within the liability limits stated in the Insurance Contract, provided that:
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 of the alleged insured risk. The notification must be submitted to the central office of "MOLDASIG" S.A. or sent to the company's email address: [email protected];
- Immediately inform the competent authorities responsible for investigating the circumstances and determining the causes of the insured event;
- Request a document from the competent authorities confirming the occurrence of the insured event;
- Draft a notification regarding the insured event, signing and dating it. In case of dispute, the Insured must provide proof of notification. The notification should include: the insurance contract details, the insured object, the cause of the risk, and an estimated evaluation of the damages, along with the date and time of registration. Additionally, it should mention cases of negative influence (e.g., non-insured risks, if applicable) on the insured objects;
- Preserve the damaged goods in the state they are in after the event to allow the Insurer to determine its causes and assess the damage. Examination of the insured objects to determine the cause of the insured risk and assess the damage is conducted only with the participation of the Insurer's representative.
Discount System
When fulfilling the property insurance policy, if there are alarm and fire prevention systems, as well as security systems against water leaks, you receive discounts on the insurance premium.
Speed
The contract is concluded quickly and easily.
Mobility
For signing the contract, it is not necessary to be present at the office; just make a phone call, and the company agent will come at a time that is convenient for you.
Moldasig offers more safety with the travel medical insurance policy!
Moldasig Insurance Priorities
The company's specialists will quickly and conveniently conclude the contract and select the optimal insurance program for each client.
Discounts and benefits are provided when concluding and renewing the contract.
Contact us at 0 (22) 889 889 or write to [email protected], and we will get in touch with you shortly.
What clients say about MOLDASIG
Irina (31 years old)
The employees are very polite, they know very well how to do their work, they are aware of all the documents that need to be drawn up and submitted for a damage file or the conclusion of a RCA (activities with which I had direct contact) and they offer competent support to solve all possible customer problems.
Alexei (25 years old)
I have every confidence in working with MOLDASIG because they provide the best service on the insurance market. With this insurance company I have purchased my RCA, Casco and next week I am going to Spain, so I will definitely use MOLDASIG to insure the trip for the whole family. Thank you!
Eugen (26 years old)
I am very grateful for your promptness. You were very helpful, especially when I was out of the locality during the winter holidays, you helped me in a very short time, using technology and the internet in a proper way and with a kindness that certainly makes me recommend you with confidence, further!
Irina (31 years old)
The employees are very polite, they know very well how to do their work, they are aware of all the documents that need to be drawn up and submitted for a damage file or the conclusion of a RCA (activities with which I had direct contact) and they offer competent support to solve all possible customer problems.
Alexei (25 years old)
I have every confidence in working with MOLDASIG because they provide the best service on the insurance market. With this insurance company I have purchased my RCA, Casco and next week I am going to Spain, so I will definitely use MOLDASIG to insure the trip for the whole family. Thank you!
Eugen (26 years old)
I am very grateful for your promptness. You were very helpful, especially when I was out of the locality during the winter holidays, you helped me in a very short time, using technology and the internet in a proper way and with a kindness that certainly makes me recommend you with confidence, further!