1. Overview of property insurance


(1) The meaning of property insurance


Property insurance: refers to a kind of insurance that takes property and its economic interests and liability for damages as the subject matter of insurance.



(2) Types of property insurance


1. Property loss insurance: refers to an insurance that takes various tangible properties as the subject of insurance.


2. Liability insurance: refers to a kind of insurance that takes the compensation liability that the insured should bear for the third party's property loss or personal injury in accordance with the law and contract as the subject of insurance.


3. Credit insurance: refers to a kind of insurance with various credit behaviors as the subject of insurance.


2. Motor vehicle insurance

(1) The meaning of motor vehicle insurance


Motor Vehicle Insurance: Refers to a kind of insurance that is liable for compensation for personal injury or property loss caused by motor vehicles due to natural disasters or accidents.


(2) Types of motor vehicle insurance


1. The types of auto insurance can be divided into compulsory insurance and commercial insurance according to their nature. Compulsory insurance (compulsory traffic insurance) is an insurance that is compulsory to purchase according to the state regulations. Commercial insurance is an insurance that is not compulsory to purchase, and car owners can purchase it according to the actual situation. The types of commercial auto insurance can be divided into main insurance and additional insurance according to the scope of coverage.


2. Main insurance: including motor vehicle loss insurance, motor vehicle third party liability insurance, motor vehicle occupant liability insurance, and motor vehicle theft insurance. You can choose to insure some of them.



3. Additional risks:


(1) Risk of broken glass alone

(2) Spontaneous combustion loss insurance

(3) Newly added equipment loss insurance

(4) Car body scratch damage insurance

(5) Engine wading loss insurance

(6) Expense compensation insurance during repair

(7) Cargo liability insurance

(8) Liability insurance for mental damage solatium

(9) Excluding deductible insurance

(10) Motor vehicle loss insurance cannot find third-party special insurance

(11) Designated repair factory insurance


(3) Insurance Liability of Compulsory Motor Vehicle Traffic Accident Liability Insurance


1. Insurance liability:

(1) Economic compensation for personal injury or property damage to a third party

(2) Arbitration and litigation costs


2. Disclaimer of Liability:

(1) The loss caused by the traffic accident intentionally caused by the victim;

(2) Losses to property owned by the insured and property on the insured motor vehicle;

(3) The insured motor vehicle has a traffic accident, which causes the victim to stop business, stop driving, stop power, stop water, stop gas, stop production, communication or network interruption, data loss, voltage change, etc. Depreciation caused by changes, losses caused by value reduction after repairs, and other indirect losses;

(4) Arbitration or litigation costs and other related costs.


(4) Insurance liability of motor vehicle loss insurance

1. to collide, overturn, fall

2. Fire, explosion

3. External objects fall and collapse

4. Lightning strikes, storms, rainstorms, floods, tornadoes, hail, typhoons, tropical storms

5. Ground subsidence, cliff collapse, landslide, mudslide, avalanche, ice subsidence, blizzard, icicle, sandstorm

6. Accidentally hit by the goods carried by the insured motor vehicle or the people on the vehicle

7. The ferry boat carrying the insured motor vehicle suffers a natural disaster (limited to the situation where the driver is on board)




3. Enterprise property insurance


(1) The meaning of enterprise property insurance

Enterprise property insurance: refers to a kind of property insurance that provides economic compensation for property losses caused by fires, natural disasters, and accidents in agencies, institutions, and enterprises.


(2) The scope of the subject matter of enterprise property insurance

1. Insurable Property


(1) It can be reflected by accounting items, such as fixed assets, current assets, off-book assets, etc.;

(2) It can be reflected by the category of enterprise property items, such as houses, buildings, machinery and equipment, materials, commodities, etc.


2. Special insurable property

(1) Property that is specially insured without the need to add special insurance clauses or increase premiums;

(2) Property that can only be insured with special terms and premiums.


3. Non-insurable property

(1) Not belonging to general means of production or commodities;

(2) The value is difficult to identify;

(3) Conflict with relevant government laws and regulations;

(4) Danger is inevitable;

(5) Other types of insurance should be purchased.


(3) Main insurance types and insurance liabilities of enterprise property insurance


1. Basic property insurance: fire, explosion, lightning strike, and falling objects in the air cause loss of the subject matter of insurance and necessary reasonable expenses.

2. Comprehensive property insurance: basic insurance + conventional natural disasters (rainstorm, flood, typhoon, storm, tornado, snow disaster, hail disaster, ice, debris flow, landslide) insurance.

3. Property All Risks: Except for the exclusions stipulated in the clauses, other natural disasters and accidents are insurance liabilities.



4. Home property insurance

(1) The meaning of home property insurance

Household property insurance: refers to a kind of property insurance that provides economic compensation for the economic losses caused by accidents to the property of urban and rural residents.


(2) Subject matter of home property insurance

1. General insurable property: houses and ancillary equipment, indoor property, interior decoration

pond.

2. Special insurable property: property kept on behalf of others, non-motorized agricultural machinery, agricultural

3. Non-insurable property: gold and silver, jewelry, diamonds, currency, daily necessities, books

membership.


(3) Scope of Liability of Family Property Insurance


1. Insurance liability:

(1) Fire, rainstorm, windstorm, explosion;

(2) Lightning strikes, hail, snow disasters, floods, tornadoes, icicles, mudstones

(3) Sudden subsidence of the ground, sudden landslides, and falling objects in the air;

(4) Houses collapsed due to heavy rain or wind;

(5) The indoor property suffers external and obvious theft;

(6) Expenses for rescuing house property in insurance accidents.


2. Special liability: liability for robbery, liability for pipe rupture and water damage, third party

Responsibility, home appliance safety responsibility.



5. Engineering insurance

(1) The meaning of engineering insurance


Engineering insurance: refers to a kind of property insurance for various engineering losses, expenses, personal injuries and property losses of third parties caused by natural disasters and accidents.


(2) Main insurance types of engineering insurance

1. Construction insurance

2. Installation engineering insurance


(3) Subject matter and insurance liability of engineering insurance

1. The insurance subject of engineering insurance: construction projects, materials and projects provided by the owner, construction machinery and equipment, installation projects, ready-made buildings on the construction site, site cleaning costs, and other properties of the owner or contractor on the construction site.


2. Insurance liability of engineering insurance:

(1) Material loss: losses and related expenses caused by listed natural disasters or accidents.

(2) Part of third party liability: the liability for compensation that should be borne by the insured according to the law, as well as the litigation costs and other costs paid by the insured due to accidents that cause personal injury or death or property damage to third parties in the construction site and adjacent areas, but do not include fine.



6. Cargo transportation insurance

(1) The meaning of cargo transportation insurance


Cargo transportation insurance: with various goods being transported as the subject of insurance, the insurer is liable for compensation for losses caused by various natural disasters or accidents that may be suffered during transportation according to the contract.


(2) The main types of cargo transportation insurance

1. Domestic freight: domestic road, railway, waterway, air transport insurance

2. Import and export cargo insurance:


Marine cargo insurance (safety insurance, water damage insurance, all risks) Land transportation insurance (land transportation insurance and land transportation all risks)


Air transport insurance (air transport insurance and air transport all risks) postal package insurance (postal package insurance and postal package all risks)



7. Liability insurance

(1) The meaning of liability insurance

Liability insurance: refers to a kind of insurance that takes the insured's liability for compensation for property loss or personal injury of a third party in accordance with the law and contract as the subject of insurance. Liability insurance mainly covers tort liability.


(2) Underwriting basis of liability insurance

1. In-term occurrence type: refers to the time when the loss occurs as the underwriting basis, and is responsible for compensating for the economic losses borne by the insured within the validity period of the policy;

2. Claim within the period: refers to the time when the claim is filed as the underwriting basis, and is responsible for compensating the economic losses brought by the victim to the insured within the validity period of the policy.


(3) Main types of liability insurance

1. Public Liability Insurance

2. Product Liability Insurance

3. Employer Liability Insurance

4. Professional Liability Insurance



8. Agricultural insurance

(1) Planting insurance


1. Crop insurance:

(1) Crop insurance during the growth period

(2) Crop insurance during the harvest period


2. Forest insurance:

(1) Forest insurance

(2) Fruit tree insurance


(2) Breeding industry insurance

1. Livestock and poultry farming insurance:

(1) Livestock insurance

(2) Poultry insurance


2. Aquaculture insurance:

(1) Freshwater aquaculture insurance

(2) Mariculture insurance