Liability Insurance

When your business, product or profession causes harm to others, we take on the compensation you'd have to pay.

Who is it for?

Every business owner and employer with staff
Companies that manufacture, import or sell products
Independent professionals such as lawyers, doctors, accountants and engineers
Company board members and senior executives
Businesses that need compulsory policies, such as managers of buildings with lifts, LPG filling plants and private security firms

What is Liability Insurance and what does it do?

When you run a business, things don't always go to plan. An employee may be injured at work, a product you sell may cause unexpected harm, or there may be an accident in your building's lift. At moments like these, you face not just a repair bill but legal liability and a claim for compensation.

That's exactly what liability insurance is for. We cover compensation claims made against you for property damage and bodily injury suffered by third parties, up to the limits written in your policy. Where agreed, court costs and lawyers' fees are covered too.

It's a broad family, from employer's and product liability to directors' liability and the policies required by law. We listen to how your business works, identify together which risks are real for you and set up the right policy.

When you take it out with Atom Sigorta

All compulsory and optional liability policies under one roof
Where agreed, court costs and lawyers' fees are covered too
Limits and cover built around the real risks of your sector
You don't have to manage the legal process alone when a claim comes in
We keep track of renewals and compliance for policies required by law

What's covered

What does the policy cover?

Depending on the package you choose, some or all of the cover below can be added to your policy.

Employer's Liability Cover

Protects against compensation claims made against you as an employer by an employee, or their dependants, after a workplace accident. It's the most common liability risk that comes with running a business.

Public Liability Cover

Covers harm suffered by third parties because of an incident during your business activities. It steps in when a customer, visitor or neighbouring business is affected.

Product Liability Cover

Covers claims made against you for harm suffered by third parties because of a product you make, import or sell. It also takes into account risks that arise after the product has left your hands.

Professional Liability Cover

Protects professionals such as lawyers, accountants, engineers and vets against liability arising from professional error, negligence or breach of their duty of care.

Compulsory Medical Malpractice Liability Insurance

The policy required by law for doctors and dentists. It covers compensation claims for harm arising from medical practice up to the limits written in the policy.

Supplementary Doctors' Liability Cover

Steps in when the limits of the compulsory policy aren't enough. It covers the pecuniary and non-pecuniary damages, court costs and interest that exceed the limit.

Directors' Liability Cover

Protects board members and senior executives against personal liability for wrong decisions made in the course of their duties. It's cover that keeps their personal assets safe.

Third-Party Liability for Lift Accidents

Covers compensation claims made against the person responsible for a building after a lift accident. It's one of the policies that apartment blocks and office buildings need most.

Compulsory Private Security Liability Insurance

Covers liability for harm caused to third parties by private security staff while on duty. The law requires it for companies providing security services.

Compulsory LPG Cylinder Liability Insurance

Protects LPG cylinder filling companies against liability for harm caused to third parties by a cylinder explosion or gas leak.

Compulsory Hazardous Substances and Hazardous Waste Liability Insurance

Covers liability arising from activities involving flammable, combustible, explosive and corrosive substances or hazardous waste. It's compulsory for businesses working with these materials.

Compulsory Coastal Facilities Marine Pollution Liability Insurance

Covers clean-up costs and compensation claims arising from marine pollution caused by coastal facilities.

Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.

Frequently asked questions

Your questions about Liability Insurance

If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.

Policies such as fire or comprehensive car insurance (kasko) protect your own property. Liability insurance covers the cost of compensating someone else for harm they've suffered. In other words, it doesn't protect an object; it protects your assets against claims made against you.

Compulsory medical malpractice liability, private security, LPG cylinder, hazardous substances and hazardous waste, and coastal facilities marine pollution policies are required by law. Employer's, public, product and directors' liability are optional, although these are often the areas with the highest risk. In addition, for buildings with lifts, third-party liability insurance for lift accidents is compulsory for the person responsible for the building under lift operation and maintenance regulations.

Property damage and bodily injury are the basis of the cover. Claims for non-pecuniary damages (compensation for pain and suffering) are excluded unless agreed otherwise; they can be covered by a separate agreement, within the limits set in the policy.

For policies taken out for your business's liability, unless the contract says otherwise, the liability of your representatives, those involved in managing and supervising the business, and the people employed in it is also covered.

Turnover, number of employees, how many people your product reaches and compensation practice in your sector are all considered together. If the limit is too low, you'll have to pay the difference yourself when there's a claim, so we recommend choosing the limit with care.

As a rule, it covers activities within the borders of the Republic of Türkiye. Cover for work you do abroad can be agreed separately between the parties.

No. Incidents and conduct caused deliberately, and incidents that happen while under the influence of alcohol, drugs or narcotics, are excluded. Liability insurance protects against mistakes, not intent.

Yes. For example, for a manufacturer with employees that also sells products, employer's liability and product liability cover different risks. We look at how your business is set up and work out together which policies should sit side by side.

Get a quote

Get a quote for Liability Insurance

Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.

Quicker by phone

0850 303 28 66 hakan@atomsigorta.com