– fuqarolar va yuridik shaxslar o‘z mol-mulklarini hamda Fuqarolik kodeksi 915-m.ning 2-q.da ko‘rsatilgan boshqa mulkiy manfaatlarini ikki taraflama asosda, buning uchun ikki tomonlama sug‘urta qilish jamiyatlarida zarur mablag‘larni birlashtirish yo‘li bilan sug‘urta qilishlari mumkin. Ikki tomonlama sug‘urta qilish jamiyatlari o‘z a’zolarining mol-mulki hamda boshqa mulkiy manfaatlarini sug‘urta qilishni amalga oshiradi va tijoratchi bo‘lmagan tashkilot hisoblanadi. Ikki tomonlama sug‘urta qilish tashkilotlari tomonidan o‘z a’zolarining mol-mulki va mulkiy manfaatlarini sug‘urta qilish, agar jamiyatning ta’sis hujjatlarida bunday hollarda sug‘urta shartnomalari tuzish nazarda tutilmagan bo‘lsa, bevosita a’zolik asosida amalga oshiriladi.
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