Subject of insurance is an Employer’s liability for damage, sustained by his/her/its worker and/or employee on a labor contract as a result of an accident at work, including when such an accident has been caused:

• by force majeure
• upon or on the occasion of carrying out the assigned or any work whatsoever, also such performed without an order but in the Employer’s interest
• during a break, spent at the enterprise and regardless of whether the Employer or another worker of his/her/its is at fault for the accident’s occurrence

An insured event is considered to be an accident at work, which has occurred on the Republic of Bulgaria’s territory, leading to:

• temporary loss of capacity for work
• permanently reduced capacity for work by 50% or more
• death of one or more workers/employees

Subject of insurance is the liability for damage, caused to third persons:

• вin relation to owning, stewarding and using premises, where the insured activity is being carried out, as well as
• upon or on the occasion of exercising the following activity, as stated in the insurance contract:
  - manufacturing
  - trading in goods and/or
  - rendering of services

An insured event is considered to be:

• destruction or damage to property (movable or immovable)
• bodily injury (including death) of a natural person, occurred within the term of the insurance.

An insured event is considered to be:

• destruction or damage of movable or immovable property of third persons
• bodily injury (including death) of a person that has occurred on the territory of the indicated real estate.

An insured event is considered to be:

• destruction or damage of movable or immovable property of third persons
• bodily injury (including death) of a person that has occurred within the insurance policy period

An insured event is considered to be:

• destruction or damage of movable or immovable property of third persons
• bodily injury (including death) of a person that occurred within the insurance policy period

Subject of insurance is the liability of:

• a natural person, holding a permit to acquire, store, carry and use a firearm;
• a natural person - member of a hunting party who has obtained a Hunting Licence in line with the provisions of the legislation in force

An insured event is considered to be:

• destruction or damage of movable or immovable property
• bodily injury (including death) to a person that has occurred during the insurance contract period and within the territorial validity of the insurance policy and caused by the use of the product, written down in the policy.

Subject of insurance is the liability for damage, caused to third persons - guests or visitors of a tourist site upon or on the occasion of conducting:

• hotel operations on the territory of an owned or rented tourist site, indicated in the insurance policy, or
• restaurant operations on the territory of an owned or rented tourist site, indicated in the insurance policy.

An insured event is considered to be:

• destruction or damage of movable property by third persons
• тbodily injury (including death) of a person as a result of an accident or a foodborne illness after consuming food and beverages.

Theft from a safe-box:

• Loss of property, belonging to guests at the tourist site as a result of burglary or robbery, when such property has been handed over for safe-keeping in a deposit-box or a safe-box at the tourist site .

Motor vehicle damage:

• Damage to motor vehicles, owned by guests or visitors of the tourist site, caused by the Insuree’s employees, while parking or maneuvering such vehicles on the territory of a parking lot, servicing the tourist site.

Product recall costs

• Covered expenses are such, needed to recall the insured product from the commercial network when it has been established that it is either defective or unfit for use.