Enterprise property insurance is one of the main types of insurance in China's property insurance business, and its scope of application is wide, and all enterprises such as industry and commerce, construction, transportation, catering services and foreign trade can be insured with enterprise property insurance.
According to the Regulations on Insurance Rates, enterprise property insurance is divided into three categories: industrial insurance, warehousing insurance and general insurance according to the risk level of the insured. Since January 1, 1999, the above-mentioned classification has been adjusted, and the enterprise property insurance has been simplified from three categories to two categories, that is, according to the nature of the industry of the insured enterprise, the industrial insurance and storage insurance have been combined into one and simplified to ".
and canceled the general insurance.
1. Basic property insurance.
Enterprises that have obtained industrial and commercial business licenses, have fixed production and business premises, have independent financial accounting, and belong to the non-restricted industries of the state can choose to purchase basic property insurance insurance.
2. Comprehensive property insurance.
Any enterprise unit that has an industrial and commercial business license, a fixed production and operation site, and independent financial accounting can choose to take out comprehensive property insurance insurance.
3. Insurance for construction and installation projects.
All construction enterprises with a height of more than 2 meters can choose to purchase construction insurance.
4. Liability insurance.
Enterprises or individual industrial and commercial households can choose to purchase public liability insurance when they cause accidents or property damage due to accidents such as production, sales, storage or transportation of commodities.
5. Credit insurance and guarantee insurance.
In the process of operation, due to various risk factors, enterprises or individuals are insured to protect their own economic interests and safety, mainly including: export credit insurance, investment risk insurance, domestic commercial credit insurance, product quality assurance insurance, etc.
6. Short-term health insurance and accident insurance.
Enterprises can choose to purchase group personal accident insurance and group personal supplementary medical insurance for accidental injuries that may occur in the work of their employees and short-term health insurance for employees.
To apply for property insurance, it is necessary to provide a legal person identity certificate and a business license (the occupational level of the approved enterprise);Employee accident insurance is sub-named (employee ID number is required) or anonymous (higher premium);To apply for public liability insurance, you need to provide the business area (accounting of the daily ** size);To apply for construction insurance, a construction contract (refer to the project cost and construction period to calculate the value of the subject matter).