Обязательное страхование гражданской ответственности работодателя "ОСГОР"

Insurance indemnity payments are made in the following cases:

• Occupational disease of enterprise workers.
• Injuries from accidents at work.
• The death of the worker in production.

Payments are made in the form:

• The monthly payment as a percentage of the average monthly wage of the victim before the work injury, corresponding to the degree of loss of professional disability or the establishment of occupational disease.
• Monthly payment in the amount of the average monthly wage of the deceased minus the share attributable to himself and able-bodied persons who were dependent on him but not entitled to compensation for the harm caused.
• A lump sum in the amount of 6-fold annual earnings.
• The cost of burial, defined in the compulsory insurance contract in the amount of not more than 3 times the minimum wage established by law, on the day of death of the employee.
• Compensation of additional expenses of the employer in accordance with the law.

DISABILITY AS A RESULT OF AN ACCIDENT

The action of the Employer in case of an accident:

• No later than three working days from the time when he became aware, notify the insurer in writing of the occurrence of an accident at work.
• To acquaint the employee with the terms of the contract of compulsory insurance of civil liability of the employer, including clarifying the rights and obligations of the parties to the contract.

What to do next:

In the event of an insured event under a compulsory insurance contract for civil liability of an employer, the Employer applies to the insurer with a written statement (Appendix No. 4 to the insurance rules) containing the claim for insurance compensation, with the application:

• copies of the employer's order for compensation for the damage caused (Appendix No. 5 to the insurance rules);
• copies of the statement of the employee or beneficiary containing a claim for compensation for the harm caused, addressed to the employer;
• certificates of the average monthly or annual salary of the employee before the insured event;
• copies of the employment contract (contract);
• documents confirming the fact of an accident at work and its consequences for the employee (the act of special investigation of an accident at work, the conclusion of the medical-labor expert commission, and in the event of a dispute - a court decision).

TEMPORARY OR PERMANENT NON-EMPLOYMENT AS A RESULT OF PROFESSIONAL DISEASE.

Employer’s action when an occupational disease is detected by an employee:

• Not later than three working days from the time when he became aware, notify the insurer in writing about the identification of occupational diseases with the worker in production.
• To acquaint the employee with the terms of the contract of compulsory insurance of civil liability of the employer, including clarifying the rights and obligations of the parties to the contract.

What to do next:

When a occupational disease is detected by an employee under an obligatory contract of civil liability of the employer, the Employer applies to the insurer with a written statement (Appendix No. 4 to the insurance rules) containing the claim of insurance compensation, with the following:

• copies of the employer's order for compensation for the damage caused (Appendix No. 5 to the insurance rules);
• copies of the statement of the employee or beneficiary containing a claim for compensation for the harm caused, addressed to the employer;
• certificates of the average monthly or annual salary of the employee before the insured event;
• copies of the employment contract (contract);
• medical opinion on the occupational disease of the employee;
• documents confirming the fact of detection of occupational diseases in an employee at work (conclusion of a medical labor expert commission, and in the event of a dispute, a court decision).

DEATH OF THE EMPLOYEE IN MANUFACTURING.

The action of the Employer upon the death of an employee in production:

• No later than three working days from the time when he became aware, notify the insurer in writing of the death of the worker in the workplace.
• To acquaint the beneficiary with the terms of the contract of compulsory insurance of civil liability of the employer, including clarifying the rights and obligations of the parties to the contract.

What to do next:

In the event of the death of an employee at work under the compulsory insurance contract for civil liability of an employer, the employer applies to the insurer with a written statement (Appendix No. 1 to the insurance rules) containing the claim of insurance compensation, with the application:

• copies of the order of the employer on compensation for harm (Appendix No. 5-1 to the rules of insurance);
• copies of the statement of the employee or beneficiary containing a claim for compensation for the harm caused, addressed to the employer;
• certificates of the average monthly or annual salary of the employee before the insured event;
• copies of the employment contract (contract);
• documents confirming the fact of the death of an employee at work (an act of special investigation of an industrial accident)
• a notarized copy of the employee’s death certificate and documents confirming the beneficiary’s right to compensation for harm.