Kobi Sorumluluk

Sompo Japan SME Liability Insurance is a package liability insurance that provides coverage against the material, physical and moral damages that SMEs can give directly or indirectly to third parties and employees during their activities.

With SME Liability Insurance, it is possible to obtain coverage for small and medium-sized enterprises in more than 200 business lines and with a maximum of 150 employees, without requiring a fire policy. The coverages covered by the product are summarized as follows.


Within the scope of Employer's Financial Liability Coverage;

  • Public transportion
  • Food poisoning
  • Occupational Diseases
  • Assignment
  • Work Accidents Out Of the Republic of Turkey
  • Claims for non-pecuniary damage

Within the scope of Third Party Financial Liability Coverage;

  • Renovation and Incidental Construction Works
  • Goods Left for Repair, Maintenance or Processing
  • Responsibilities Related to Billboard, Signage and Signaling Tools
  • Responsibilities for Lift, Monte-charge and Escalators
  • Official Meeting, Invitation, Fair Organization Responsibilities
  • Responsibilities of Fire, Explosion, Steam, Smoke, Water, Strike, Lockout, Turmoil, Public Movements, Malicious Actions
  • Forklift and Lift Responsibility
  • Contractor-Subcontractor's Liability
  • Claims for non-pecuniary damage
  • Food Poisoning
  • Sudden and Accidental Pollution

Within the scope of Business Liability Coverage;

  • Employee Losses on Customer Items
  • Installation, Repair and Maintenance of Third Party Addresses
  • Valet Parking and Parking Responsibility

Within the scope of Personal Accident Coverage;

  • Decease
  • Permanent Disability

Within the scope of Product Liability Coverage;

  • Bodily Damages
  • Financial Losses

Within the Scope of Executive Liability Coverage

  • Executive Defects
  • Defense Costs