Features of insurance capital

The practice of insurance of property of legal persons has been known for a long time. And no wonder: fires, natural disasters and other force majeure is able to deliver a lot of trouble and cause substantial damage on the pocket. So is not it better to advance to warn them? Insurance Events To date the insurance market is full proposals. But they differ mostly only by the size of insurance rates and a list of insurance events. Although, as a rule, the risks to be insured in various companies are the same, among them: - fires - natural disasters - in business interruption insurance - insurance of construction risks - water damage - mechanical damage - wrongful acts of third parties - damage repair, etc. True, besides the standard set of services, some insurers offer insurance additional risks. For example, in "Peer Review Policy" prepared to insure against the fall of aircraft and their parts, as well as on the battlefield of window glass, windows and other similar facilities. JSC Emergency Insurance Company insures against explosion of gas and equipment, and in Ingosstrakh "and" aspect "promise to pay damages in the event of a terrorist act. Insurance objects Buildings, including internal communications, elements of decoration and glazing; production equipment and supplies; Stocks on the trading floor, in warehouses, storage, stock of raw materials, vehicles are at any stage of operation, computer facilities ; Audio - Video - Radio - TV - photographic equipment, musical instruments, library collection, publications and technological documentation; Sports equipment. How much is the insurance amount is usually determined by agreement between the insured and the insurer, after it has occurred estimate the carrying value of the property. Moreover, the size of the insurance rate in different companies may differ, again, much depends on the object of insurance. If this industrial building, then, first of all, attention is drawn to something in which it was able, what is its market, is there a trim, etc. For example, the price of insurance is the same buildings in the "African Peer Review Policy" (0,15 - 0,6%), GUTA-Insurance (0,12-0,7%), and in "ASPECT" (0,07 -0,5). With regard to the contract, it is basically a period of one month to one year (sometimes more) and is paid as a lump sum or in installments. When concluding a contract insurer issued an insurance policy to the bearer. It is required if an insured event occurs. Then be drawn up with a representative from the insurance company, and after that insurance company is conducting an investigation to ascertain the reasons for the insured event, and only then to decide on the insurance claim.