Insurance Guide
Articles on reading a policy, comparing covers and handling a claim.
EngineeringWhat Is Contractors' All Risks Insurance?
A Contractors' All Risks policy protects site values during construction. When does cover attach, who must buy it, and where does the third party extension stop?
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Home and BusinessWhat Is Commercial Property Insurance in Türkiye?
In Türkiye a business policy is not a single legal product. It is a package built on the Fire Insurance General Conditions, with theft, glass and machinery covers bolted on. Here is what is automatic and what must be written in.
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LiabilityWhat Is Employer's Liability Insurance in Türkiye?
Liability cover responding, within the policy limits, to claims brought against an employer after a workplace accident and to the social security recourse action.
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Home and BusinessWhat Is Business Interruption Insurance?
A fire policy pays for physical damage; it does not pay the gross profit lost while the business is shut. Loss of profits cover fills that gap, but it is tightly bound to the fire policy behind it.
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MotorKasko or Compulsory Traffic Insurance: What Is the Difference?
Compulsory traffic insurance pays what you do to others; kasko pays for your own vehicle. The real differences show up in claims handling, in what needs a rider, and on sale.
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MotorWhat Happens if You Crash Without Compulsory Motor Insurance in Türkiye?
Driving without compulsory motor liability cover in Türkiye does not produce one consequence but several at once — removal from traffic, an administrative fine, personal exposure and recourse from the Guarantee Account.
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Insurance GuideWhat Is Surety Insurance in Türkiye?
Surety insurance (kefalet sigortası) is the financial line in which an insurer stands as guarantor for a debtor and provides security to a named beneficiary. The insurer pays the beneficiary first, then recovers what it paid from the policyholder.
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EngineeringWhat Is Machinery Breakdown Insurance?
Machinery breakdown insurance covers the repair and replacement cost of sudden, unforeseen physical damage to plant that has already passed its commissioning tests. Fire, theft, earthquake and loss of profit are excluded by the general conditions.
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LiabilityWhat Is Professional Indemnity Insurance in Türkiye?
Liability cover responding, within the policy limits, to compensation claims arising from errors, omissions and negligent acts committed in professional practice.
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