Under what circumstances is it possible to exempt from civil liability?

Grounds for exemption from civil liability. As a general rule, if the obligation turns out to be unfulfilled, but there are no conditions of liability stipulated by the law, the debtor who has proved this circumstance is released from liability. The unfavorable consequences of failure to fulfill the obligation, including possible losses, fall in such cases on the creditor. If the risk of default on the obligation has been insured, and if there are serious risks, this should be done, the lender has the right to apply for damages to the insurer.