Enterprise property is divided into three categories according to whether it is insurable or not, namely insurable property, special insurable property and uninsurable property.

1, insurable property

According to the category of enterprise property items, it includes houses, buildings and ancillary decoration equipment, machinery and equipment, tools, instruments and production tools, transportation tools and equipment, management tools and low-value consumables, raw materials, semi-finished products, products in process, finished products or inventory goods, special reserve goods, houses, buildings and projects under construction, off-balance sheet or amortized property, etc. 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.

2. Specially protected property

It is divided into special protection property without increasing 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.

3. Insurable property

Enterprise property insurance does not cover the following six kinds of property:

(a) land, mineral deposits, mines, mines, forests, aquatic resources, crops that have not been collected after harvest and other properties that do not belong to general means of production or materials;

(two) special risks, special cash insurance, such as currency, tickets, securities, etc.;

(three) documents, account books, charts, technical data and other priceless property;

(four) underwriting these properties will be in conflict with the relevant laws and regulations of the government, such as illegal buildings, dangerous buildings, illegally occupied properties; Materials during transportation, etc. ;

(five) dangerous buildings and other necessarily dangerous property;

(6) Property protected by other insurances.