“Personal Accident”refers to an unforeseen, sudden, and accidental (non-deliberate) event that involves external physical influences affecting an individual’s life and health. Diseases, pathologies, and other internal causes are not considered personal accidents. This insurance provides coverage against personal accidents that cause the following damages to the insured’s life and health:

• Temporary loss of general working ability;
• Permanent loss of general working ability;
• Death.

Medical insurance, as a form of social protection for the population in safeguarding health, provides assurance of medical and pharmaceutical assistance to the citizens of the Republic of Azerbaijan when an insurance accident occurs. Medical insurance is implemented in both compulsory and voluntary forms. Compulsory medical insurance is a part of the state social insurance and ensures the population's access to medical and pharmaceutical assistance under the compulsory medical insurance program in the prescribed volume. In addition to compulsory medical insurance, voluntary medical insurance provides access to medical and other services to the population based on voluntary medical insurance contracts.

"Travel insurance aims to cover the financial and emotional damages that may occur during a tourist's visit to a foreign country. What does travel insurance include? It encompasses the immediate medical treatment and expense coverage for a citizen if they encounter health problems abroad or sustain injuries due to an unfortunate accident. It also includes full or partial compensation for other losses that may arise during the planned travel period as specified in the policy."

Property insurance protects the interests of property owners (individuals, businesses, etc.) against any potential financial losses. Property refers to tangible objects and assets that can be used or managed by the owner or a trusted party. An individual's or organization's property can include the following: land, buildings, furniture, bank accounts, clothing, industrial equipment, refrigeration appliances, electrical appliances, and more.

Air Transport Vehicle Insuranceprovides coverage for the following:

• All risks insurance for the hull;
• Material damage to air transport vehicles whether in the air or on the ground;
• Liability insurance for air transport vehicles;
• Damage to third parties' health or property resulting from the operation of air transport vehicles;
• War risks.

This insurance coverage generally excludes damage caused by war and malicious actions under the all-risks insurance type. Passenger liability insurance provides coverage for liability risks arising from injury or death of passengers flying in air transport vehicles. This coverage is typically provided within the insurance amount specified for each passenger seat. Building, product, and hangar owner's liability insurance covers liability arising from the storage and maintenance of third-party air transport vehicles. If required, this coverage can be extended to include refueling risks. Who is this insurance intended for? The mentioned coverage is designed for individual owners, legal entities, charterers, and helicopter operators.

Ships or other water transport vehicles that can move on the sea and lake, or other insurable properties related to them, are insured for damage and losses that may occur during the period specified in the insurance certificate.
This type of insurance covers various types of cargo and passenger ships under the term ship or other water vehicles capable of moving on seas and lakes. Also, according to the proposals, ships made of wood or concrete or a mixture of these, sailing ships, cruise ships, yachts and boats, service boats, fishing vessels and boats, tugboats, barges, ferries and lighters, floating pools, beaters and cranes , floating restaurants (restaurant-ship), water vehicles such as jet skis, boats or other water vehicles that can navigate the sea and lake can be included in the coverage.

Regardless of the terms of the transportation contract, there is always a possibility of losses during the transportation of any cargo. Cargo is frequently lost, stolen, and damaged. According to statistics, the highest risk is associated with the theft and shortage of cargo, as well as partial damage to goods during transit.

By obtaining comprehensive insurance for motor vehicles, you can protect your property interests in cases of accidents, including repair costs covered by the insurance company, as well as protection against theft or total destruction of the vehicle. Comprehensive insurance for motor vehicles includes coverage for the following risks:

• Road accidents;
• Fire, explosion, lightning strikes, and their subsequent removal;
• Natural disasters;
• Damage from falling objects such as trees, stones, and other items;
• Malicious and illegal actions of third parties;
• Theft, hijacking, robbery, and piracy.

It is necessary to insure the liability of airlines towards third parties during the performance of international flights and to meet the requirements of aviation legislation of several countries. This is done for the purpose of ensuring the liability coverage of aviation carriers.

Under this type of insurance, the insured's liability may arise in the following situations:

a) Injury to third parties (excluding passengers and cargo owners), including bodily injury, death, and injury, and damage to their property (if such damage is caused by an object falling from an aircraft or by an aircraft itself);

b) Death and bodily injury to passengers while on board the aircraft, including death and injury during boarding and disembarking, as well as the loss or damage of passengers' baggage or hand-carried goods as a result of a sudden accident on the aircraft;\

c) Damage to the property (cargo) carried by the aircraft and for which the insured is liable. When the insurance contract is concluded, the carrier can limit its liability in accordance with the Air Code or choose higher limits in accordance with international conventions.

The insurance aims to implement the insurance payment in the amount of compensating for the damage caused to third parties while using the insured's water transportation vehicle and related to their property interests, either in full or in part.

The insurance aims to implement the insurance payment in the amount of compensating for the damage caused to third parties by the insured while using the transportation vehicle and related to their property interests, either in full or in part.

Professional liability insurance involves the payment of risks arising from the provision of substandard services due to professional errors.

"Employer's liability insurance" refers to the obligation to pay compensation in the accident of the employee's (or their heirs') claim for damages due to the employer's fault, resulting in the employee's death, loss of working capacity, injuries sustained, or other health-related losses while performing their duties.

Mortgage Insurance provides insurance coverage of the mortgaged property against the following risks:

• Fire or lightning strike;
• Explosion;
• Flood, flooding;
• Thunderstorm and hurricane;
• Do not flood;
• Illegal and malicious actions of third parties;
• Impact of surface and air transport or parts
• Landslide, land subsidence or uplift;
• Earthquake.

The insurance aims to implement the insurance payment for the compensation of the value loss related to the interruption caused by an insurance accident in the insured's commercial activities, as well as the additional expenses and costs, in part or in full, for the benefit of the insured's property interests.