(1) Basic insurance: The insurance company shall be responsible for compensation for losses caused by aerial objects such as fire, lightning strike, explosion and falling flying objects.
(2) Comprehensive insurance: On the basis of basic insurance, if the loss of the subject matter insured increases due to rainstorm, flood, typhoon, storm, tornado, snowstorm, hail, ice, debris flow, cliff collapse, sudden landslide and sudden ground collapse, the insurance company shall be liable for compensation.
(3)- Cut-off: The all-risk clause does not specify the insurance liability, but only the exclusion liability, that is, it covers all accidents and natural disasters except the exclusion liability, which is more than comprehensive insurance, such as theft, malicious behavior of others, water pipe burst, etc.
Enterprise property insurance is an insurance that provides protection for enterprises and institutions. Property owned by the insured or owned by others, managed or kept by the insured, and other property legally recognized as having an economic interest relationship with the insured may belong to the scope of the subject matter insured.
Insurance for valuables such as gold, silver and jewelry must be specially agreed with property insurance companies in advance, but marketable securities are not covered by this insurance. Under this insurance, property insurance is liable for the loss of the insured property caused by fire, explosion and lightning, but it is not liable for the loss of the insured property caused by rainstorm, flood, typhoon, storm, tornado, snowstorm, hail, ice, debris flow, cliff collapse, landslide, water heating pipe burst, robbery, theft and intentional acts of the insured. The insured must fulfill certain obligations, which is the premise for property insurance to bear the liability for compensation.
The main types of enterprise property insurance include: basic property insurance, comprehensive property insurance, all risks of construction engineering, all risks of installation engineering, construction and installation engineering insurance, computer equipment insurance and additional and special insurance of property insurance (mainly including: special insurance of underground property, special insurance of exposed pile property, additional insurance of loss of machinery and equipment of property insurance, additional theft insurance of property insurance, additional pipeline burst insurance of comprehensive property insurance and additional "three stops" of comprehensive property insurance).
main body
The subjects of insurance contracts are divided into three categories: insurance contract parties, insurance contract parties and insurance contract assistants.
Enterprise property insurance is one of the main types of property insurance business in China, and its scope of application is very wide. All industrial and commercial, construction, transportation and service enterprises, state organs and social organizations can insure enterprise property insurance, which is applicable to all independent accounting legal entities.
1. Enterprises with industrial and commercial business licenses, sound accounting books, financial independence, ownership by the whole people or collective ownership as the main body.
2. State organs, institutions and people's organizations.
3. Foreign-funded enterprises insured in RMB and willing to accept the basic insurance clauses of property insurance.
4. Private enterprises with sound accounting books.