Motor Third-Party Liability (TPL) insurance for working machines is a legal requirement for all construction and industrial machinery operating on public roads or work sites. This policy protects the owner against financial claims if the machine causes damage to third parties during operation or transport.
What is covered:
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Material damage: Damage to other vehicles, underground utilities (pipes, cables), buildings, and road infrastructure.
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Non-material damage: Medical expenses and compensation for bodily injuries to third parties caused by the machine's operation.
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Moving parts risks: Damage caused by buckets, booms, or other moving elements of the machinery.
Who is it for:
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Construction companies and private owners of excavators, loaders, rollers, and forklifts.
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Utility companies and road maintenance operators.
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Working machines with foreign license plates engaged in projects in Montenegro (Frontier Insurance).