It is the type of insurance that real or legal persons guarantee their responsibilities for compensation claims that they may suffer due to any physical or material damage that they or their employees may give to third parties.

It covers the claims for compensation due to damages arising out of the third person’s death, injury or disability as well as compensation claims arising out of property damage or damage to third-party property.

It does not cover compensation claims due to damages caused deliberately or intentionally, the damage and loss incurred by the person who is affiliated with a service contract and the family business.