– boshqa shaxslarning hayoti, sog‘lig‘i yoki mol-mulkiga zarar etkazilishi oqibatida yuzaga keladigan majburiyatlar yuzasidan javobgarlik xavfini sug‘urta qilish shartnomasi bo‘yicha sug‘urta qildiruvchining o‘zining yoki bunday javobgarlik yuklanishi mumkin bo‘lgan boshqa shaxsning javobgarlik xavfi sug‘urtalanishi mumkin. Zarar etkazganlik uchun javobgarlik xavfi sug‘urtalangan shaxs sug‘urta shartnomasida ko‘rsatilishi lozim. Agar bu shaxs shartnomada ko‘rsatilmagan bo‘lsa, sug‘urta qildiruvchining o‘zining javobgarlik xavfi sug‘urtalangan hisoblanadi. Zarar etkazganlik uchun javobgarlik xavfini sug‘urta qilish shartnomasi, hatto shartnoma zarar etkazilganligi uchun javobgar bo‘lgan sug‘urta qildiruvchi yoki boshqa shaxs foydasiga tuzilgan yoxud shartnomada u kimning foydasiga tuzilgani ko‘rsatilmagan taqdirda ham, zarar etkazilishi mumkin bo‘lgan shaxslar (naf oluvchilar) foydasiga tuzilgan deb hisoblanadi. Zarar etkazganlik uchun javobgarlik uni sug‘urta qilish majburiy bo‘lgani sababli sug‘urtalangan taqdirda, shuningdek, qonunda yoki bunday javobgarlikni sug‘urta qilish shartnomasida nazarda tutilgan boshqa hollarda sug‘urta shartnomasi o‘z foydasiga tuzilgan deb hisoblanuvchi shaxs zararni sug‘urta puli doirasida to‘lash to‘g‘risida bevosita sug‘urtalovchiga talab qo‘yishga haqli.
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