Liability insurance

Most part of requests we get in our work deals with general liability insurance of legal entities. That's why we have complete adapted programs of liability insurance for any type of business activities.

We believe that general liability insurance is a modern civilized way to protect your business from unforeseen labor and financial costs connected with claim handling.

General liability insurance protects the insured entity from possible claims (lawsuits) of recovering damages caused to life, health & property of third parties as a result of company's business. These third parties can be individuals or legal entities. General liability insurance allows passing on to insurance carrier such unpleasant bothers as: dialogues with damaged party, appraisal of damage, court trials and of course, reimbursement.

In liability insurance a written claim from the aggrieved party to the insured entity and a competent authority letter of verification, which proves the fact of damage, are in most cases enough to report about an insured loss.

We consider that dealing with liability insurance of enterprises it's necessary to choose wisely actual amount of coverage. The insured amount should not be exaggerated not to let the client to overpay, but should be enough for adjustment of probable loss.  To optimize liability insurance rates we recommend using sublimits of insured sum for each loss or maximum compensation to each aggrieved party.


  • Trade networks & shops;
  • Multifamily houses & commercial property management companies;
  • IT companies;
  • Manufacturers;
  • Financial institutions;
  • Air carriers;
  • Construction companies;
  • Vehicle service stations;
  • Self-regulatory organizations;
  • Hotels & restaurants;
  • Owners & landlords of non-residential premises  (offices, warehouses);
  • Shipping & logistics  companies;
  • Pharmaceutical companies;
  • and others.

Advantages in contacting us:

  • We have vast experience in insurance and reinsurance of different liability risks,  that  guarantees that you will receive the best up-to-date proposal in the market;
  • We understand the basic needs of clients, depending on its business type;
  • We know the real market rates, and will not allow you to overpay;
  • We are able to work quickly, without asking too many questions and not asking for extra documents and statements;
  • And most importantly, we are ready to go to work responsibly and wisely in order to find the optimal conditions of insurance!

Contact us and see it in practice!

Operation geography

Horizon is a professional insurance intermediary, executing insurers / reinsurers orders on the selection of the best options of insurance / reinsurance coverage. We have an extensive practice of insurance for state, municipal and commercial structures of Russia, Europe, Asia, South and North America.


Thanks to our experience, we have a vast knowledge in all sphere of insurance that is why we can offer special insurance contracts for any business type.


Our team has a unique long-term experience in reinsurance. Our employees have contacts with reinsurers from virtually anywhere in the planet. We are ready to take on the most complex and sensitive issues: whether you are the Reinsured / the Insurer or the Сlient / Policyholder requiring placement of great risk insurance amounts or atypical terms of insurance.