What Is Commercial Property?

Commercial property insurance refers to one that collects insurance premiums from the insured according to the insurance contract and realizes compensation for losses. A type of insurance combined with property rights holders is a classification of corporate property insurance.

Commercial Property Insurance

Right!

Commercial property insurance refers to collecting insurance premiums from policyholders and realizing losses according to insurance contracts

Commercial property insurance belongs to the category of corporate property insurance. In addition to its insurance terms, it should also consider its commercial characteristics in addition to corporate property insurance. The main features are:

1. Commercial and supply and marketing enterprises need to attach special theft insurance on the basis of corporate property insurance;

2. Commercial, supply and marketing cooperative enterprises can be based on corporate property insurance. Additional special window glass special insurance;

3 Other special insurances that take into account business characteristics.

Including the following three aspects: 1. National ownership. 1. Fixed assets and current assets of collectively-owned commercial institutions; 2. Individual industrial and commercial households accept the consignment of commodities by organizations of the whole people, collectively owned enterprises, and institutions, etc., and the insurable property that the individual industrial and commercial households are liable for economic compensation according to the contract; Troop commercial enterprises that implement economic accounting.

Commercial property insurance rates mainly include warehouse insurance rates and general insurance rates.

Warehouse insurance premium rate

(1) Scope of application: Where the insured property of the professional bureaus, companies, procurement and supply stations, and wholesale departments of commercial, material, supply and marketing, and industrial and transportation systems is mainly storage materials, according to the type of storage materials operated by each specialty, according to the type of storage The insurance determines the rate; If the supply and marketing, materials, commercial departments and the special storage materials purchased by local provinces, cities, and other local procurement, storage and transportation units cannot be divided into categories to insure, they should be separately formulated according to the higher risk of the material's warehousing insurance number. Rates; Commercial institutions are applicable to the insured units with warehouse germanium insurance rates, and their fixed assets and other insured property are calculated at the same rate as the unit's warehouse insurance; Commercial retail or retail stores that do not account separately, The higher-level units are insured together and calculated at the same rate of warehousing insurance; Others apply to the warehousing insurance rate.

(2) Current storage insurance rates: General materials are stored. That is, non-dangerous goods. The insurance rate is 0.001. 2. Dangerous goods are not allowed (special dangerous goods are not allowed). The insurance rate is 0.002. Special grain storage, insurance premium rate is 0.005; storage of special dangerous goods, insurance premium rate is 0.004; petroleum special storage, insurance premium rate is 3 woo.

2. General insurance rates

(1) Scope of application: The stores are mainly retail stores with processing and repairing; Pastry food shops with workshops for self-production and sales; shops specializing in repair, repair and processing services or the sales department also serves as repair and repair workshops Suburban supply and marketing grassroots agencies and acquisition stations, such as temporarily installing machines for preliminary processing during the agricultural product acquisition season; Sacks and sacks stores that also serve as packaging services, and service stations that specialize in valet packaging; Others suitable for ordinary insurance Happening.

(2) The current general insurance rate refers to the rate standard determined according to the degree of danger of different occupation properties except industrial insurance and storage insurance, and the rate is determined according to the following five items: Parks, zoos, offices, schools , Nursery, library, museum, hospital, bank, weather station, post office, publishing house (without printing plant attached), insurance rate is 0.001; general shops, restaurants, vegetable markets, supply and marketing cooperatives sales department, comprehensive repair sales department, Hotels, bathrooms, cultural and entertainment venues, exhibition halls, stadiums, television stations, radio stations, airports, railway stations, ship terminals, farms, forest farms, ranches, chicken farms, bus stations, research institutes, and the insurance rate is 2%. Petroleum shop, chemical raw material shop, paint shop, dye shop, chemical reagent shop, electric welding shop, tire repair shop, rubber shoe repair shop, pop-up net set shop, waste material purchase station, automobile gas station, liquefaction Gas and oil supply stations, laboratories, fireworks stores, insurance rate is 0.003; Construction works, including buildings, materials, equipment under construction, property and reserve materials and equipment of the construction site, the insurance rate is 0.002 . The insurance premium rate for power supply high-voltage lines, transmission equipment and telecommunication lines is 0.001.

3. Additional Liability Insurance Rate

The additional liability insurance premium rate is a special premium rate approved by commercial property insurance according to business needs. Its scope includes: (1) due to the underwriting of open property, losses due to storms and heavy rain, the specific rate of which is 20% higher than the various rates of storage insurance; (2) due to the insurance window glass, due to collision, foreign The specific rate is 0.015 for the broken caused by malicious behavior, and the loss caused by the broken glass of the products displayed in the window.

4. Short-term rates

The various rates in the insurance rate regulations are calculated based on annual rates, which are the standards for collecting insurance premiums with a term of one year. If the insurance period is less than one year, or if certain circumstances change, the term needs to be changed halfway. Based on the annual rate standard, the short-term rate is calculated.

5. Preferential insurance rates

Municipal professional bureaus and professional companies uniformly insure commercial enterprises for property insurance, and can enjoy preferential rates reduction. The specific regulations are as follows: (1) Any municipal-level professional bureau or professional company clearly determines that all the insured property of its affiliated enterprise must be uniformly insured, and after the province (city, level insurance company agrees), it can enjoy a reduction discount. County-level professional bureaus and companies are not in the scope of reduction. (2) The extent of the reduction, according to existing management methods, is always set at 10%, which is a 10% discount. (3) Units with their own fire protection vehicles apply for property insurance. Also enjoy the rate reduction.