- Data Breach Coverage Veri İhlali Kapsam
- Cyber policy coverage for costs arising from unauthorized access to, or loss of, personal or confidential data: breach notification, credit monitoring, legal defence, regulatory fines and PR crisis management. KVKK/GDPR obligations make this coverage particularly critical for Turkish and EU-exposed businesses.
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- Deductible Muafiyet
- The amount of a loss that the insured retains before the insurer's obligation to pay is triggered. Higher deductibles reduce premium. In most policies (a 'straight' or 'excess' deductible) the insured pays the deductible from every claim. Under a franchise deductible, if the total loss exceeds the franchise amount, the insurer pays the entire loss including the franchise amount; if the loss is below the franchise, nothing is paid.
- Defect Liability Period (DLP) Kusur Sorumluluk Dönemi
- The period following practical completion of a construction project during which the contractor is obliged to remedy any defects or deficiencies (typically 12–24 months). The maintenance bond covers this period; the bond is released upon expiry after defects are rectified. Note: The DLP commences after practical completion, not necessarily at final acceptance. In some contracts the DLP runs from practical completion to final acceptance.
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- Defense Costs Coverage Yönetici Savunma Giderleri
- A coverage element in D&O, PI and cyber policies paying legal defence costs (attorney fees, court costs) incurred by the insured defending a covered claim. Defence costs typically erode the policy limit; some policies include a separate sub-limit or a defence-only cover.
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- Deterioration of Stock / Spoilage Insurance Bozulan Mal (Stok Bozulması) Sigortası
- Insurance covering loss of refrigerated goods (food, pharmaceuticals, etc.) caused by breakdown of refrigeration equipment or power failure, either in storage or in transit. Can be combined with a machinery breakdown policy or arranged as standalone spoilage cover.
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- Directors & Officers Liability (D&O) Yönetici Sorumluluk Sigortası (D&O)
- Liability insurance covering directors and officers of a company for claims arising from their actual or alleged wrongful acts in their managerial capacity. Covers legal defence costs and damages. Typically written on a claims-made basis, meaning the policy must be in force when the claim is made, not when the alleged act occurred.
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