1 thought on “The concept and insurance amount and insurance liability of the corporate property insurance contract”
Beulah
1. The concept of corporate property and insurance contract The corporate property insurance contract is a property insurance contract signed by the insurer with enterprise units (including business, institutions, etc., and the same below). It is also the most important insurance contract in my country. There are two main categories of insureds of this insurance contract: first, the state -owned or collective ownership enterprise units that implement independent accounting; the other is that state organs, institutions or people's groups, as for individual industrial and commercial households such as husband and wife shops, family handicrafts, etc., in addition Accepting state -owned or collective enterprises to process, assemble, repair, repair or sell goods on the contract, and the contract stipulates that it is responsible for its economic responsibilities, and the individual industrial and commercial households can insure the property they managed. Insured insurers insured. The insurance period for corporate property insurance is generally one year, and short -term insurance can be insured. After the insurance period expires, it can be renewed, but the renewal must be processed separately. Has companies can companies insure in insurance companies on insurance companies? From the perspective of property ownership or possession, all the insured (that is, the insured unit) owned or operated management, or the property responsible for the insured with the insurer and other legal acknowledged and being recognized by others. Insurance people have economic interests, all of which are the scope of corporate property insurance. The so -called "storage for others, or the property responsible for the insured with the insured with others" mainly refers to a dyeing store, consignment store, repair (processing) store, purchasing agency store, warehousing company, cargo stack, hotel, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation The property of the company and other units processed, repaired, sold, and custody. Its responsible property, such as leased objects, transportation and mortgages. In specific types of property, enterprises can be based on the assets insured: (1) houses, buildings and affiliated decoration equipment; (2) built houses, buildings and buildings Materials; (3) machines and equipment; (4) tools, instruments and production tools; (5) transportation tools and equipment; (6) management tools and low -value consumables; Products or inventory products, special reserve products; (8) property outside or amortized. In addition, there are some property that is not general commodity, such as jewelry, antiques, gold and silver, jewelry, breeding animals, dyke weir, gates, railways, bridges, mines, mines, underground buildings, equipment, etc. Some market prices are very expensive, some are continuously appreciated, while others are high. Therefore, these property must be specially agreed by the insurer and the insured in advance, that is, the insurance company must be liable for insurance companies. The property below is not within the insurance scope of corporate property insurance: (1) Land, mineral, forest, aquatic resources, and agricultural products that have not yet been entered after harvesting and harvesting; (2) currency and ticket certificates , Valuable securities, documents, account books, charts, technical materials, and property that cannot be identified; (3) illegal buildings, illegal occupation, and property in the state of emergency danger; (4) supplies during transportation. . Enterprise property insurance contract insurance amount and insurance liability (1) Enterprise property insurance contract insurance amount The amount of insurance for corporate property insurance is the actual insurance amount to the insurance target, and it is also insurance The basis of people's calculation of insurance premiums and the highest limit of compensation liability. Because property insurance is for the purpose of compensating the actual losses of property, it should be insured according to the actual value of the target when insured. Of course, it is not easy to accurately determine the amount of insurance. The determination of the insurance amount when it is insured at different property is as follows: 1. The determination of the amount of fixed asset insurance amount. In accordance with the "Certificate of Enterprise Property Insurance" formulated by the People's Insurance Company, when the fixed assets are insured, the insurance amount is determined by three. First, it can be insured according to the original book value, that is, the original value of the book (all expenditures at the time of fixed assets) can be used as the insurance amount; the second is that the insured and the insurance company will negotiate according to the amount of the book value as the insurance amount; The third is to be insured according to the reset and reconstruction value, that is, according to the reset and reconstruction price as the insurance amount. The determination of the above three insurance amounts is the value of the logical basis when the fixed asset is insured. When fixed assets are insured, its actual value is more than three possibilities compared with its purchase and construction, that is, 1 is equivalent to when it is just purchased at the time of purchase and construction. Relatively speaking, of the three methods to determine the amount of insurance, the latter two are the amount of insurance and renewal value to the actual value of the insurance target according to the amount of the book of the book. 2. Determination of the amount of liquid asset insurance. According to the provisions of the "Enterprise Property Insurance Terms" , when the mobile assets are insured, they can be insured at the average book balance of 12 months, or they can be insured according to the book balance. That is to say, there are two ways to determine the amount of insurance amounts in the insurance asset insurance. One is to use the average book balance of nearly 12 months as the insurance amount; the other is to use the book balance as the insurance amount. 3. The amount of property insurance that has been sold or not included in the book. When these property insurance can be insured, the insured and the insurance company can negotiate with the insurance company to insurance according to the actual value, that is, the actual value of the property agreed by the insured and the insurance company can be used as the amount of insurance. (2) Insurance liability for corporate property insurance contracts If according to the provisions of the "Enterprise Property Insurance Terms", in corporate property insurance, the insurance liability that the insurer should bear can be divided into three categories. 1. Unpredictable losses caused by accidents and force majeure. Except for the intentional behavior of the insurer, the insurer is responsible for the loss of insurance property caused by the unexpected and non -resistant accidents. It is unpredictable and irresistible accidents. Specifically, the following incidents: (1) fire, explosion; (2) lightning, storm, tornado, rainstorm, flood, tsunami, earthquake, land, cliff collapse, cliff collapse , Disaster, ice, mudslides; (3) The fall of an object in the air. 2. Power failure, water stop, air stop (hereinafter referred to as "three stops"). The insurer caused power outages, water discontinuation, and air suspension due to the damage to the above -mentioned disaster accidents that cause damage to the damage to the insurer, which causes damage or scrap of the insured's machinery, products and storage items, and the insurer is responsible for compensation. However, it is not the loss of "three stops" , the insurer is liable for compensation. The "three stops" must have the following three conditions to be insurance liability. These three conditions are: (1) The damage must be the insured's own power supply, water supply and gas supply equipment (hereinafter referred to as the "three supply equipment"). The "yourself" mentioned here, including the dedicated or shared by other units in this factory; "equipment" includes supply equipment such as transformers, power distribution rooms, water tower, lines, pipelines and other supply equipment. The "three stops" caused by the insured themselves and the equipment caused by power supply, water supply, and gas supply departments are not the insurance liability for corporate property insurance regardless of how much losses causing. (2) The damage of the "three supply equipment" of the insured's own must be caused by the above -mentioned disaster accidents. If it is not due to the above -mentioned disaster accidents, but the "three stops" caused by other things, the losses caused are not insurance liability. (3) In terms of scope, it is limited to the damage or scrap of the insured's machinery and equipment, products and storage items. For example, the power supply equipment of the pharmaceutical factory was stopped due to the destruction of the above -mentioned disaster accidents, which damaged the machine and equipment, and the drugs in the refrigerated library deteriorated, but the insurer was only responsible for this. 3. The cost of rescue insurance property. When a disaster accident in the contract, the insured should try its best to rescue the insurance property. In order to rescue or prevent the loss of insurance as a result of the necessary measures taken by the disaster, the insurer is also responsible for compensation. However, it should be noted that first, the loss mentioned here refers to the loss of "insurance property" caused by the rescue and preventing disasters from spreading, and it is not responsible for non -insurance property. Second, the losses and costs caused by the rescue process must be considered from the aspects of "necessary" and "reasonable", otherwise the insurer has the right to refuse to pay. (3) Except the responsibility of the corporate property insurance contract The loss of compensation due to the following reasons due to the following reasons: 1. War, military action or violence. War or military operations are brutal behaviors to meet with swords and guns, while violent behavior refers to fighting, smashing and commotion. They can easily cause huge losses for property, and the scope and degree of loss caused by the loss are difficult to estimate. Therefore, the loss caused by above is not an insurance liability. By the loss of war. 2. Pollution of nuclear radiation. The explosion of nuclear energy device is much greater than the loss caused by the general war to insurance property. The frequency and degree of loss are difficult to predict. Therefore, due to the pollution of nuclear radiation It is not insurance liability. 3. Intentional behavior of the insured person. The so -called intentional behavior indicates the result of knowing that the behavior of their behavior will occur, and the behavior of letting it go or hope that this result will happen. If the insured's intentional behavior is caused, it is not insurance liability. However, losses to the scope of insurance liability caused by general negligence and violation of operating safety regulations may be responsible. 4. Other departures listed in the insurance form. Generally, including: (1) the insurance property stacked in open -air or under the shed, and the shack of the roof of the roof of the roof with reed mats, cloth, grass, cardboard, and plastic cloth, losses caused by storms and heavy rain; All indirect losses caused by stopping work and suspension; (3) loss, metamorphosis, mildew, moisture, worm biting, and normal losses specified by institutional regulations due to their own defects and poor storage; (4) Others are not Losses within the scope of insurance liability.
1. The concept of corporate property and insurance contract
The corporate property insurance contract is a property insurance contract signed by the insurer with enterprise units (including business, institutions, etc., and the same below). It is also the most important insurance contract in my country. There are two main categories of insureds of this insurance contract: first, the state -owned or collective ownership enterprise units that implement independent accounting; the other is that state organs, institutions or people's groups, as for individual industrial and commercial households such as husband and wife shops, family handicrafts, etc., in addition Accepting state -owned or collective enterprises to process, assemble, repair, repair or sell goods on the contract, and the contract stipulates that it is responsible for its economic responsibilities, and the individual industrial and commercial households can insure the property they managed. Insured insurers insured.
The insurance period for corporate property insurance is generally one year, and short -term insurance can be insured. After the insurance period expires, it can be renewed, but the renewal must be processed separately.
Has companies can companies insure in insurance companies on insurance companies? From the perspective of property ownership or possession, all the insured (that is, the insured unit) owned or operated management, or the property responsible for the insured with the insurer and other legal acknowledged and being recognized by others. Insurance people have economic interests, all of which are the scope of corporate property insurance. The so -called "storage for others, or the property responsible for the insured with the insured with others" mainly refers to a dyeing store, consignment store, repair (processing) store, purchasing agency store, warehousing company, cargo stack, hotel, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation, transportation The property of the company and other units processed, repaired, sold, and custody. Its responsible property, such as leased objects, transportation and mortgages.
In specific types of property, enterprises can be based on the assets insured:
(1) houses, buildings and affiliated decoration equipment; (2) built houses, buildings and buildings Materials; (3) machines and equipment; (4) tools, instruments and production tools; (5) transportation tools and equipment; (6) management tools and low -value consumables; Products or inventory products, special reserve products; (8) property outside or amortized.
In addition, there are some property that is not general commodity, such as jewelry, antiques, gold and silver, jewelry, breeding animals, dyke weir, gates, railways, bridges, mines, mines, underground buildings, equipment, etc. Some market prices are very expensive, some are continuously appreciated, while others are high. Therefore, these property must be specially agreed by the insurer and the insured in advance, that is, the insurance company must be liable for insurance companies.
The property below is not within the insurance scope of corporate property insurance:
(1) Land, mineral, forest, aquatic resources, and agricultural products that have not yet been entered after harvesting and harvesting; (2) currency and ticket certificates , Valuable securities, documents, account books, charts, technical materials, and property that cannot be identified; (3) illegal buildings, illegal occupation, and property in the state of emergency danger; (4) supplies during transportation.
. Enterprise property insurance contract insurance amount and insurance liability
(1) Enterprise property insurance contract insurance amount
The amount of insurance for corporate property insurance is the actual insurance amount to the insurance target, and it is also insurance The basis of people's calculation of insurance premiums and the highest limit of compensation liability. Because property insurance is for the purpose of compensating the actual losses of property, it should be insured according to the actual value of the target when insured. Of course, it is not easy to accurately determine the amount of insurance. The determination of the insurance amount when it is insured at different property is as follows:
1. The determination of the amount of fixed asset insurance amount. In accordance with the "Certificate of Enterprise Property Insurance" formulated by the People's Insurance Company, when the fixed assets are insured, the insurance amount is determined by three. First, it can be insured according to the original book value, that is, the original value of the book (all expenditures at the time of fixed assets) can be used as the insurance amount; the second is that the insured and the insurance company will negotiate according to the amount of the book value as the insurance amount; The third is to be insured according to the reset and reconstruction value, that is, according to the reset and reconstruction price as the insurance amount. The determination of the above three insurance amounts is the value of the logical basis when the fixed asset is insured. When fixed assets are insured, its actual value is more than three possibilities compared with its purchase and construction, that is, 1 is equivalent to when it is just purchased at the time of purchase and construction. Relatively speaking, of the three methods to determine the amount of insurance, the latter two are the amount of insurance and renewal value to the actual value of the insurance target according to the amount of the book of the book.
2. Determination of the amount of liquid asset insurance. According to the provisions of the "Enterprise Property Insurance Terms"
, when the mobile assets are insured, they can be insured at the average book balance of 12 months, or they can be insured according to the book balance. That is to say, there are two ways to determine the amount of insurance amounts in the insurance asset insurance. One is to use the average book balance of nearly 12 months as the insurance amount; the other is to use the book balance as the insurance amount.
3. The amount of property insurance that has been sold or not included in the book. When these property insurance can be insured, the insured and the insurance company can negotiate with the insurance company to insurance according to the actual value, that is, the actual value of the property agreed by the insured and the insurance company can be used as the amount of insurance.
(2) Insurance liability for corporate property insurance contracts
If according to the provisions of the "Enterprise Property Insurance Terms", in corporate property insurance, the insurance liability that the insurer should bear can be divided into three categories.
1. Unpredictable losses caused by accidents and force majeure. Except for the intentional behavior of the insurer, the insurer is responsible for the loss of insurance property caused by the unexpected and non -resistant accidents. It is unpredictable and irresistible accidents. Specifically, the following incidents:
(1) fire, explosion;
(2) lightning, storm, tornado, rainstorm, flood, tsunami, earthquake, land, cliff collapse, cliff collapse , Disaster, ice, mudslides;
(3) The fall of an object in the air.
2. Power failure, water stop, air stop (hereinafter referred to as "three stops"). The insurer caused power outages, water discontinuation, and air suspension due to the damage to the above -mentioned disaster accidents that cause damage to the damage to the insurer, which causes damage or scrap of the insured's machinery, products and storage items, and the insurer is responsible for compensation. However, it is not the loss of "three stops"
, the insurer is liable for compensation. The "three stops" must have the following three conditions to be insurance liability. These three conditions are:
(1) The damage must be the insured's own power supply, water supply and gas supply equipment (hereinafter referred to as the "three supply equipment"). The "yourself" mentioned here, including the dedicated or shared by other units in this factory; "equipment" includes supply equipment such as transformers, power distribution rooms, water tower, lines, pipelines and other supply equipment. The "three stops" caused by the insured themselves and the equipment caused by power supply, water supply, and gas supply departments are not the insurance liability for corporate property insurance regardless of how much losses causing.
(2) The damage of the "three supply equipment" of the insured's own must be caused by the above -mentioned disaster accidents. If it is not due to the above -mentioned disaster accidents, but the "three stops" caused by other things, the losses caused are not insurance liability.
(3) In terms of scope, it is limited to the damage or scrap of the insured's machinery and equipment, products and storage items. For example, the power supply equipment of the pharmaceutical factory was stopped due to the destruction of the above -mentioned disaster accidents, which damaged the machine and equipment, and the drugs in the refrigerated library deteriorated, but the insurer was only responsible for this.
3. The cost of rescue insurance property. When a disaster accident in the contract, the insured should try its best to rescue the insurance property. In order to rescue or prevent the loss of insurance as a result of the necessary measures taken by the disaster, the insurer is also responsible for compensation. However, it should be noted that first, the loss mentioned here refers to the loss of "insurance property" caused by the rescue and preventing disasters from spreading, and it is not responsible for non -insurance property. Second, the losses and costs caused by the rescue process must be considered from the aspects of "necessary" and "reasonable", otherwise the insurer has the right to refuse to pay.
(3) Except the responsibility of the corporate property insurance contract
The loss of compensation due to the following reasons due to the following reasons:
1. War, military action or violence. War or military operations are brutal behaviors to meet with swords and guns, while violent behavior refers to fighting, smashing and commotion. They can easily cause huge losses for property, and the scope and degree of loss caused by the loss are difficult to estimate. Therefore, the loss caused by above is not an insurance liability. By the loss of war.
2. Pollution of nuclear radiation. The explosion of nuclear energy device is much greater than the loss caused by the general war to insurance property. The frequency and degree of loss are difficult to predict. Therefore, due to the pollution of nuclear radiation It is not insurance liability.
3. Intentional behavior of the insured person. The so -called intentional behavior indicates the result of knowing that the behavior of their behavior will occur, and the behavior of letting it go or hope that this result will happen. If the insured's intentional behavior is caused, it is not insurance liability. However, losses to the scope of insurance liability caused by general negligence and violation of operating safety regulations may be responsible.
4. Other departures listed in the insurance form. Generally, including: (1) the insurance property stacked in open -air or under the shed, and the shack of the roof of the roof of the roof with reed mats, cloth, grass, cardboard, and plastic cloth, losses caused by storms and heavy rain; All indirect losses caused by stopping work and suspension; (3) loss, metamorphosis, mildew, moisture, worm biting, and normal losses specified by institutional regulations due to their own defects and poor storage; (4) Others are not Losses within the scope of insurance liability.