OREANDA-NEWS. April 25, 2012. Ingosstrakh Insurance Company is the provider of compulsory civil liability insurance for the Moscow State Unitary Enterprise “The V. I. Lenin Order of Lenin and Order of the Red Banner of Labor Metropolitan” (Moscow Metropolitan). The total sum insured by the contract amounts to 995 mln roubles, including 10 mln roubles by the hazardous facility “Escalators’ platform of “Komsomolskaya” metro station”, reported the press-centre of Ingosstrakh.

On April 15, 2012, a sudden stoppage of an escalator at “Komsomolskaya” metro station of the belt line occurred, which resulted in injuries of varied severity for 10 passengers. Currently, causes of the accident are under investigation.

Pursuant to Federal Law No. 225-FZ “On compulsory civil liability insurance for owners of hazardous facilities for damage resulting from hazardous facilities’ average”, the victims can receive indemnities for damage to their health within the limits of the insured sum. The amount of payment shall be determined according to the provisions of Chapter 59 of the Civil Code of the Russian Federation, but with the limit of no more than 2 mln roubles per victim. The actual damage to property shall also be indemnified in the amount of up to 360 thousand roubles per person. The payments shall be made depending on the degree of injuries and damage to property. Thus, according to the results of investigation of the average’s causes, its consequences and recognition of the event insured, the total sum of settlement payment to the victims can reach 10 mln roubles.

According to expert evidence of Ingosstrakh Insurance Company, today only a third of all hazardous facilities of the country have been insured within Federal Law No. 225-FZ.

As Director of Corporate Business Department of Ingosstrakh Insurance Company Vladimir Chernikov pointed out, the implementation practice of Federal Law No. 225-FZ in the first few months showed low activity of the owners of hazardous facilities in insuring their obligations before injured people, pursuant to the requirements of the new law. Such a situation not only poses threats to financial stability of the operators of hazardous facilities themselves, but violates the idea of guaranteed insurance payments to victims resulting from averages during operation stipulated by the law, he emphasized.

Contracts of compulsory insurance of hazardous facilities guarantee reliable insurance protection for enterprises and organizations within Federal Law No. 225-FZ, while the victims can always get considerable insurance payments related with damage to health and property.