All insurance products

Pick a section to see a short summary + full block below. Motor is online (Green Card, OSAGO Russia). Others are broker-assisted.

Sections

Liability insurance

Four key products for businesses and individuals: carrier liability, freight forwarder liability, professional indemnity, and homeowners’ liability. We explain the why, the coverage, and where denial risks usually hide.

Quick:#liability

Carrier liability (OGPO VTS / CMR)

Protects the carrier from claims by cargo owners and third parties. This is not cargo insurance — it covers your liability as a carrier under contract/law.

B2BTransportCMR

Who it’s for

  • Truck owners and fleets
  • Transport companies with recurring trips
  • Those carrying expensive/high-risk cargo
  • International routes (CMR)

Key questions

Why if cargo is insured?
Cargo insurance protects the cargo owner. You need a policy that protects the carrier against their claims.
Theft with the truck?
Sometimes covered if conditions are met (guarded parking/seals/alarm). We verify these conditions before purchase.
Valid outside KZ?
CMR is for international carriage, but territory and terms depend on the program.
Overload causing an accident?
Can trigger denial if prohibited by wording. We check the fine print upfront.
Limit: 20 or 50 mln KZT?
Pick based on cargo value and maximum plausible claim. 20 mln may be insufficient for expensive cargo.

Critical: parking/security, seals and compliance conditions often affect payouts more than price.

Broker’s role

  • We validate exclusions and denial triggers (guarded parking, documents, notification terms).
  • We set limits based on real risk, not default numbers.
  • We support claims handling: what to collect and how to communicate with the insurer.
Request terms/limitValidate route

Freight forwarder liability

For companies that organize transport and paperwork (often using subcontractors). Covers subcontractor selection and logistics/document errors.

B2BLogistics3PL

Who it’s for

  • Freight forwarders and 3PLs
  • Logistics companies using subcontracted carriers
  • Regular import/export shippers
  • Paperwork-heavy operations

Key questions

If a hired driver carries the cargo, what am I liable for?
Often for subcontractor selection, documents and operational decisions.
Document mistakes: are customs fines covered?
Often excluded, sometimes available via extensions. We verify what is truly covered.
Misrouting / delay: who pays?
If your error causes client losses, a claim may arise. Coverage wording matters.
Consequential losses?
Depends: lost profit and business interruption are commonly excluded or need special clauses.
Broker advantage?
We close the liability gap between shipper, forwarder and the actual carrier.

Common pitfall: clients expect ‘everything is covered’ while fines and consequential losses are excluded. We surface this before signing.

Broker’s role

  • We validate exclusions and denial triggers (guarded parking, documents, notification terms).
  • We set limits based on real risk, not default numbers.
  • We support claims handling: what to collect and how to communicate with the insurer.
Request a programCheck exclusions

Professional indemnity (PI)

Protects professionals from claims due to errors/omissions — from consulting to projects and IT services. Often includes legal defense costs.

B2B/B2CLegal costsRetro

Who it’s for

  • Doctors and medical centers
  • Lawyers, accountants, auditors
  • Architects, engineers, designers
  • IT specialists and companies

Key questions

What is a claim event?
Unintentional error/omission/negligence in your professional services (per wording).
Are legal costs covered?
Often yes: lawyers/experts are the core value.
Retroactive cover?
If included, it can respond to past work where the claim arrives later.
Pre-court support?
Stronger programs include dispute handling before litigation.
Why a broker?
Each profession has different best-in-class wording. We match the right insurer and avoid gaps.

Enterprise contracts often require specific PI limits and retro terms. We align the policy to your contract.

Broker’s role

  • We validate exclusions and denial triggers (guarded parking, documents, notification terms).
  • We set limits based on real risk, not default numbers.
  • We support claims handling: what to collect and how to communicate with the insurer.
Match to professionCheck retro period

Homeowners’ liability (to neighbors)

Covers costs if you accidentally damage neighbors’ property: water leaks, fire, gas explosion, common property damage.

IndividualsRentalsNeighbors

Who it’s for

  • Apartment owners
  • Landlords renting out property
  • Homes with expensive renovations
  • Those who prefer a simple yearly safety net

Key questions

‘I flooded my neighbors’: what now?
Take photos/video, get an official report (management/HOA), capture contacts, call us — we guide you step-by-step.
Damage caused by tenants?
Depends on wording; sometimes requires a specific clause. We select the right option for landlords.
Fire / gas explosion: common areas too?
Can be covered as third-party/common property damage, but conditions vary.
Limit for expensive renovations?
Standard limits may be too low. We set limits based on real renovation levels in the building.
Why it’s worth it?
A yearly policy can cost less than one emergency repair call — cheap protection from expensive losses.

Important: documentation and quick notification are key. This is where a broker truly saves time and stress.

Broker’s role

  • We validate exclusions and denial triggers (guarded parking, documents, notification terms).
  • We set limits based on real risk, not default numbers.
  • We support claims handling: what to collect and how to communicate with the insurer.
Get annual coverClarify limit

Need a tailored offer?

Send a request — we’ll clarify the case and propose options.

Send a request+7 (727) 357-30-30

Kazakhstan, Almaty, Auezov st. 14A • Mon–Fri: 11:00–19:00