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(פוליסה זו היא פוליסה על בסיס מועד הגשת התביעה – claims made basis). הפוליסה נשענת על שני חוקים: חוק האחריות למוצרים פגומים - המחיל על היצרן אחריות חמורה, חל על נזקי גוף בלבד וקובע רשימה סגורה של הגנות ליצרן, ופקודת","@type":"Answer"}},{"name":"האם כיסויי ביטוח חבויות כוללים גם את הוצאות הדיון המשפטי?","@type":"Question","acceptedAnswer":{"text":"בהתאם לחוק חוזה ביטוח, ביטוח מפני חבות מכסה גם הוצאות משפט סבירות שעל המבוטח לשאת בהם בשל חבותו. הוצאות משפטיות אלה מכוסות אף מעבר לגבולות האחריות.","@type":"Answer"}},{"name":"איזה סוגי ביטוח חברת כלל מציעה לקבלנים וליזמים?","@type":"Question","acceptedAnswer":{"text":"ביטוח עבודות קבלניות נועד לספק הגנה לפרויקטים בהקמה. ביטוח עבודות קבלניות מכסה אובדן או נזק שייגרם לפרויקט עצמו על כל שלביו. כמו כן, ניתן לרכוש, תמורת פרמיה נוספת, כיסוי גם לגניבה, פריצה ושוד, וכן לסיכוני טבע, לרבות רעידת אדמה. לצד ביטוחי הרכוש ניתן לרכוש כיסוי ביטוחי לאחריות כלפי צד שלישי - גוף ורכוש, וכן ביטוח חבות מעבידים. הכיסוי הוא עד תום תקופת הביטוח, או השימוש/מסירה של הפרויקט, הראשון מביניהם.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-05-17T02:17:12.815752+00:00","updated_at":"2026-06-29T17:56:18.912+00:00","faq":[{"answer":"ביטוח ‍חבות ‍מעבידים ‍נועד ​לכסות ​את ​חבות ‍המבוטח ‍כלפי ​עובדיו ‍בשל ‍נזק ​גוף ​בלבד, ​אשר ​נגרם ​לעובד ‍תוך ​כדי ​ועקב ‍עבודתו ‍אצל ‍המבוטח, ‍בשל ​רשלנות ​המבוטח, ​במשך ‍תקופת ‍הביטוח, ​כתוצאה ‍מתאונה ‍או ​ממחלה. ​החבות ‍המכוסה ‍על ​פי ​פוליסה ​זו ‍היא ​מכוח ‍פקודת ​הנזיקין. ​ביטוח ‍חבות ‍מעבידים ‍הינו ‍מוצר ‍משלים ‍לפיצויים ‍המשולמים ‍על ​ידי ​המוסד ​לביטוח ‍לאומי ‍בשל ​תאונת ‍עבודה ‍או ​מחלת ​מקצוע, ​אשר ​סוגם ​בחוק ‍מוגבל ​ושיעורם ​קצוב. ‍פוליסה ‍זו ‍מכסה ‍את ​החשיפה ​העודפת ​מעבר ‍לכיסויי ‍הביטוח ​הלאומי ‍ולא ‍יותר ​מתקרת ​האחריות ‍הרשומה ‍בפוליסה. ​פוליסת ​חבות ​מעבידים ‍י","category":"general","question":"מהו ביטוח חבות מעבידים?"},{"answer":"ביטוח ‍חבות ‍המוצר ‍נועד ​לכסות ​נזק ​לגוף ‍או ‍לרכוש ​של ‍צד ‍שלישי, ​לרבות ​נזק ​תוצאתי ​הנובע ​מכך, ‍שנגרם ​על ​ידי ‍מוצר ‍פגום ‍שהמבוטח ‍ייצר, ​ייבא ​או ​סיפק, ‍לאחר ‍שהמוצר ​יצא ‍מחזקתו ‍של ​המבוטח ​ושתביעה ‍בגינו ‍הוגשה ​לראשונה ​במהלך ​תקופת ‍הביטוח, ​והאירוע ‍הביטוחי ​עצמו ​התרחש ‍לאחר ‍התאריך ‍הרטרואקטיבי ‍שנקבע ‍בפוליסה. ‍(פוליסה ‍זו ‍היא ​פוליסה ​על ​בסיס ‍מועד ‍הגשת ​התביעה ‍– ‍claims ​made ​basis). ​הפוליסה ​נשענת ​על ‍שני ​חוקים: ​חוק ‍האחריות ‍למוצרים ‍פגומים ‍- ​המחיל ​על ​היצרן ‍אחריות ‍חמורה, ​חל ‍על ‍נזקי ​גוף ​בלבד ‍וקובע ‍רשימה ​סגורה ​של ​הגנות ‍ליצרן, ​ופקודת","category":"services","question":"מהו ביטוח חבות המוצר?"},{"answer":"בהתאם לחוק חוזה ביטוח, ביטוח מפני חבות מכסה גם הוצאות משפט סבירות שעל המבוטח לשאת בהם בשל חבותו. הוצאות משפטיות אלה מכוסות אף מעבר לגבולות האחריות.","category":"general","question":"האם כיסויי ביטוח חבויות כוללים גם את הוצאות הדיון המשפטי?"},{"answer":"ביטוח ‍עבודות ‍קבלניות ‍נועד ​לספק ​הגנה ​לפרויקטים ‍בהקמה. ‍ביטוח ​עבודות ‍קבלניות ‍מכסה ​אובדן ​או ​נזק ​שייגרם ​לפרויקט ‍עצמו ​על ​כל ‍שלביו. ‍כמו ‍כן, ‍ניתן ​לרכוש, ​תמורת ​פרמיה ‍נוספת, ‍כיסוי ​גם ‍לגניבה, ‍פריצה 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