Valuables such as gold, silver and jewelry in enterprise property insurance belong to special insurable property. Special insurance property (hereinafter referred to as special insurance property) refers to the insurance property specified in the insurance policy by special agreement of both parties. Special protection property is divided into special protection property that does not increase the rate and special protection property that needs to increase the rate. The special protected property that does not increase the rate refers to the property whose market price fluctuates greatly or has no fixed price, such as gold and silver, jewelry, jade, jewelry, antiques, ancient paintings, stamps, artworks, rare metals and other valuable property. Dams, sluices, railways, culverts, bridges, docks, etc. Property that needs to increase the rate or attach special insurance clauses generally includes underground buildings, equipment and underground materials in mines and pits.