With the increase of the number of enterprises in China, especially the emergence of a large number of small and medium-sized enterprises, in order to pass on the unknown risks faced by enterprise property, more and more enterprise units will choose to buy an enterprise property insurance. However, there are still many people who don't know much about enterprise property insurance. Today, I will let more people know the scope of corporate property insurance through the landlord's question.

Insurable property

This refers to the property that the insurer thinks can be insured according to the insurance clauses. Insurable property can usually be embodied in the following two ways: first, it can be embodied by accounting subjects, such as fixed assets, current assets (inventory), special assets, investment assets, off-balance sheet or amortized assets, entrusted property, etc. Second, according to the category of enterprise property items, such as houses, buildings and ancillary decoration equipment, machinery and equipment, tools, instruments, production utensils, transportation tools and equipment, low-value consumables, raw materials, semi-finished products, products in process, finished products or inventory goods, special reserve goods, buildings, building materials, etc.

Special insurable property

This refers to those properties whose value is not easy to determine, or properties that are unlikely to be damaged by insurance accidents in general. By special agreement between the two insurance companies, the insurance company may specify the name and amount of the insured property in the insurance policy schedule. Special insurable property can be divided into special insurable property that does not increase the rate and special insurable property that needs to increase the rate. Special insurable 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, calligraphy and painting, stamps, artworks, rare metals and other valuable property, dikes, sluices, railways, culverts, bridges, docks, etc. Special insurable properties that require higher rates or additional special insurance clauses generally include underground buildings, equipment and underground materials in mines and pits.

Insurable property

Insurable property refers to the property that the insurer does not insure. Insurable property mainly includes:

(1) Property that does not belong to general means of production or commodities, such as land, mineral deposits, mines, forests, aquatic resources, etc.

(two) currency, tickets, securities, documents, account books, charts, technical data and other properties that lack value basis or are difficult to identify.

(3) Property that will have adverse social impact or conflict with relevant government laws and regulations after underwriting, such as illegal buildings and illegally occupied property.

(4) Property that can't be insured temporarily due to various reasons.

(5) Property that is bound to be dangerous, such as dangerous buildings.

(6) Other types of property should be insured, such as cargo transportation insurance for materials in transit, motor vehicle insurance for motor vehicles with licenses and normal operation, and livestock and poultry insurance.

The coverage of enterprise property insurance is very extensive, but there are still many properties that are not guaranteed. Therefore, the insured must read the insurance clauses carefully during the insurance process. If you buy insurance on a professional third-party insurance sales platform such as China Insurance Online, there will be a dedicated customer service staff to serve you, answer your various questions and help you find the most suitable protection.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.