"All-risk insurance" ≠ loss of all pay for insurance

Enterprise property insurance products, there are three main types: the basic property insurance, property insurance and property of all comprehensive insurance. Each of these three types of insurance coverage is different, the basic insurance and property insurance responsibility of the smallest, but relatively low premium rates, property insurance all the responsibility of the insurance premium rates are relatively high but the largest, all-risk property and liability insurance And the scope of insurance rates are at a pre-between.

Many insurance companies in the choice of these three types are often not very clear, in particular, some enterprises have been thought: "As long as the property of all the insured risk, then the loss of what should be commitment from the insurance company." In fact, this is only insured enterprises alone literally, and "Wang Wen-sheng" to the understanding of the insurance companies is also a misunderstanding.

First of all, from all-risk insurance and property insurance responsibility, although the responsibility of the larger insurance, but it sets out a number of exclusions.

Such as: design errors, material defects or damage caused by poor technology and cost; natural wear and tear, or potential inherent defects and material losses caused by the change itself and the cost of storage in the open, Zhao Peng covered by insurance or property due to wind, frost, cold , Rain, snow, floods, hail, dust caused by loss of earthquakes, tsunamis caused losses and costs the insured and their representatives of the deliberate acts or gross negligence caused any loss of public power supply, water supply, gas supply and other Public energy disruption caused by the loss of war, acts of war, and other similar losses arising from the cost and responsibility of any government or public authorities ordered the confiscation, expropriation, destruction or damage caused by loss; nuclear fission, fusion, nuclear weapons, nuclear materials , Nuclear radiation and radioactive pollution caused by any losses and costs; atmosphere, land, water pollution and other pollution caused any damage, and so on.

The property are set out above all the risk of exclusion, in other words: a result of the above except the responsibility of the property damage insurance, the insurer does not require compensation. For example, an enterprise through a set of smuggled into the 12 million yuan of equipment, and insurance companies in the property insurance at all the equipment together for the security, but the public security organs cracked smuggling case, this will be dealt with the confiscation of equipment, the insured to the insurance Corporate claims, the insurance company will be based on all property insurance exclusions Jupei be dealt with.

Secondly, all property insurance companies can only be insured against loss of property on insurance contracts for compensation. In the course of business enterprises not only have to face the risk of loss of property, while there are still a result of the accident during production downtime caused by the loss of profits, employees in the workplace accident required employers to bear the responsibility, enterprise storage of cash in Stolen losses, product liability risks and public liability risks, employees of the losses caused by acts of infidelity, and so on all types of risk the possibility of losses, which are separate from other classes to be covered, even if all the enterprises of the property insurance policy holders These losses can not be carried out by insurance companies to compensation. For example, collapse of Jiujiang Bridge, the bridge itself not only caused the loss of property, but also caused the bridge during the repair operation because of the bridge can not be brought about by the operating losses. Although the bridge prior owners of the property of all the insured risk, but it does not bridge the insured "lost profits and dangerous", so insurance companies can not pay, which means that Jiujiang Bridge during the repair operation because of the interruption of 25 million yuan Guo Qiaofei losses to the owners alone.

Here, all state insurance remind you: all enterprises in insured property insurance, they should carefully read the insurance terms, the risk of excluding all be aware of the responsibility. Another basic property insurance, comprehensive insurance and risk all the major enterprises of insurable property insurance, liability insurance the insurance companies only in the context of such property insurance for direct losses caused by the accident compensation. For some indirect losses such as loss of profits, loss of various responsibilities, are not all from property insurance to compensate. All of the insured property insurance does not mean that the insurance company to the loss of all enterprises should "pay for." In the insurance issue, the enterprises should be adopted or the risk of their own to make accurate analysis and assessment, select the most appropriate insurance for the insured, the risk to insurance companies to shift to a smaller investment to enable enterprises continued to receive adequate and stable development Insurance coverage.