1. The property owned by the insured or * * * owned by others shall be the responsibility of the insured.

2. Property managed by the insured or kept by others.

3. Other property legally recognized as having economic interests with the insured.

Enterprise property comprehensive insurance is the main type of property insurance in China, which takes the fixed assets and current assets of the enterprise as the insurance target and the property stored in a fixed place as the insurance business, that is, the storage place of the insurance property is relatively fixed and in a relatively static state. enterprise property insurance

enterprise property insurance

It has the nature of general property insurance, and many principles applicable to other property insurance are also applicable to enterprise property insurance.

The insured enterprise shall pay the corresponding insurance premium to the insurer according to the insurance contract. The insurer shall be liable for the losses caused to the insured by possible accidents as stipulated in the insurance contract.

The insurance liability of enterprise property comprehensive insurance is divided into basic liability, liability exemption and special liability. Basic liability refers to the liability that the insured requires the insurer to bear. Including natural disasters or accidents: such as fire, explosion, lightning, storm, tornado, flood, subsidence, cliff collapse, sudden landslide, snowstorm, hail, ice, debris flow, falling objects in the air, etc. The power supply, water supply and gas supply equipment of the insured are all within the insurance scope.

enterprise property insurance

Losses caused by natural disasters or accidents listed in this clause, as well as losses of insured property directly caused by power failure, water cut-off and gas cut-off due to the damage of these equipment, including damage or scrapping of machinery and equipment, products in process and inventory; In the event of the above-mentioned disasters and accidents, reasonable and necessary measures are taken to save the property or prevent the spread of disasters, resulting in the loss of the insured property, and reasonable expenses incurred by taking rescue and protection measures to reduce the loss of the insured property.

Exemption from liability in enterprise property insurance includes: war and military action; Nuclear radiation or pollution; Intentional behavior of the insured. The insured property suffers losses caused by natural disasters or accidents listed in the insurance clauses, such as shutdown, business suspension, etc., as well as various indirect losses; Losses caused by defects of the insured property itself and improper storage, deterioration, mildew, moisture, insect bites, natural wear and loss of the insured property; Insured property and sheds piled in the open air or under sheds, losses caused by storms and rainstorms, and other losses and expenses not covered by insurance liability.

Special liability, also known as additional insurance, refers to the liability that is not guaranteed in the exemption or the danger that the insurer is responsible for insurance by mutual agreement. Special liability is generally covered by additional special terms. Some special liabilities are also covered in the form of additional risks. There are mainly underground property insurance, open pile property insurance, burglary insurance, special insurance for dikes, sluices and culverts.

Non-guaranteed scope

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The following properties are not included in the scope of the insured property without specific agreement between the insured and the Company and stated in the insurance policy:

1, gold and silver, jewelry, jade, jewelry, antiques, ancient books, ancient paintings, stamps, artworks, rare metals and other valuables;

2. Livestock, poultry and other raised animals;

3, dikes, sluices, railways, roads, culverts, bridges, docks;

4. Equipment and materials in mines and mines.

The insured property does not include the following property:

1, land, mineral deposits, mines, pits, forests, aquatic resources and crops that have not been harvested or put into storage after harvest;

2, currency, tickets, securities, documents, account books, charts, technical data and priceless property;

3, illegal buildings, dangerous buildings, illegally occupied property;

4, materials in the process of transportation.

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