PERSONAL INSURANCES

Accident insurance (NNW) can protect you against the consequences of road traffic accidents within 24 hours, around the world!

Accident insurance (NNW)

The subject of accident insurance are consequences of road traffic accidents, such as personal injury or other health impairment of the insured person causing permanent health impairment or death of the insured person. An accident is a sudden event, caused by external reason, that results in permanent health impairment or death of the insured person. With additional premium can be insured: consequences of heart failure and brain stroke, and also consequences concerning accidents during high-performance sport activities. The insurance coverage can be extended for the following benefits:

• refund of costs concerning purchase of prosthesis and facilities
• refund of vocational training costs of disabled person
• refund of rehabilitation costs
• daily benefit concerning full disability to work or learning
• refund of healing costs
• daily hospital benefits

The insurance policies can be taken out in following forms: individual, group and collective (when a company or institution takes out an insurance policy for its employees and is incurring all necessary costs). Insurance coverage can be full (24 hours, at work and at home) or limited (accidents at work, and during way to/from work). The insured persons are: employees, schoolchildren, students, participant of camps, sport, outdoors and recreational events.

Public Offering of Securities Liability Insurance – POSI it is a third-party liability (TPL) insurance for a company arising from the prospectus.

Preparing to the stock exchange debut can cause specific risks for companies and management taking business decisions. Signatories of a public prospectus have a personal responsibility for its contents and could therefore be found personally liable for the losses of investors, arising from false or incomplete information within a prospectus. The POSI policy can safeguard the insured persons in such situations, especially that:

• number of detected mistakes in issue prospectuses is growing each year
• a lot of people are engaged in prospectus developing
• the period of prescription of responsibility for errors in prospectus amount to 10 years
• responsibility for the content of prospectus is carrying by issuer, introducer and persons that prepare the prospectus
• D&O IPO insurance safeguards one limit during the whole insurance cover period and one premium without a possibility of its increase and risk of refusal by policy renewal
• lack of risk concerning exhaustion of the guaranteed sum (liability limit) by other insurance coverage of D&O insurance
• insurance period is close to the maximal liability periods
• the policy safeguards fully the issuer relating to claims arising from prospectus
• possibility to safeguard the introducer and persons that prepare the prospectus
• possible additional coverage: costs of issuer image improvement, extraordinarily costs, costs of control proceeding, excessive safeguard costs of issued persons