home Heating calculation Basic conditions for insuring the property of legal entities against fire and other dangers. Insurance of property against fire and other dangers Insurance of property against fire and other dangers

Basic conditions for insuring the property of legal entities against fire and other dangers. Insurance of property against fire and other dangers Insurance of property against fire and other dangers

Send your good work in the knowledge base is simple. Use the form below

Students, graduate students, young scientists who use the knowledge base in their studies and work will be very grateful to you.

Insurance of property (real estate) of individuals with liability for all risks

Objects of insurance:

For insurance purposes, insurance companies currently distinguish the following groups of property objects owned by citizens (Table 8.8).

Table 8.8. Classification of property insurance objects for individuals

Objects of property insurance for individuals

buildings

Cottages

Dachas

Garages, etc.

Property as part of the common shared ownership of apartment owners in urban buildings

Household property

Cottages

Garages, etc.

Objects in urban buildings:

Apartments;

Rooms in communal apartments

Staircases, Engineering communications, etc.

Household items;

Elements of finishing and equipment;

Particularly valuable and expensive property;

Spare parts and accessories for vehicles.

The insurable value of property can be determined by all methods accepted in property insurance. However, in insurance practice, certain features have emerged in the assessment of various property items of individuals. The insurable value of buildings is usually calculated on the basis of their replacement cost at current prices, both with and without depreciation. The insured value of privatized apartments (rooms) is determined by the full replacement cost, which is calculated based on the size of the total area and the average cost per square meter in a given region. Finishing and its elements are insured mainly at replacement cost, taking into account the type of possible repair: standard or individual (exclusive). Particularly valuable property is insured subject to a limit (limit) of the insurer's liability.

Insurance cover

Insurance contracts for real estate and household goods fully include the characteristic “insurance against all risks”, since the insurance conditions combine in one policy the risks of fire, theft and other illegal actions of third parties, natural disasters and others leading to complete or partial loss property. Recently, combined insurance contracts have become widespread, including in the contract coverage of the risk of civil liability to third parties (neighbors) in the event of damage to their property due to the fault of the insured (flooding of premises, spread of fire or for other reasons).

The applied insurance rates are mainly comprehensive, i.e. are first calculated for each insurance risk separately, and then a synthetic tariff rate is determined in relation to the “all risks” conditions. At the same time, there are also grids of basic insurance rates for standard insurance coverage in relation to standard insurance objects. The contract must indicate the address or territory in which the object is considered insured. Residential insurance contracts are generally concluded for a period of one year; in mortgage insurance there may also be long-term contracts. The insured amount during the contract period may be changed if the insured risk or the value of the insured property increases or decreases. When concluding a contract, insurers offer clients a flexible system of discounts, which can be combined into three main groups: discounts for break-even insurance, including grace days for paying premiums when prolonging the contract, discounts for applying a franchise, discounts for certain categories of clients (pensioners, disabled people, etc.). ).

Home Contents Insurance Options

Household property - household furnishings, household items and consumption items intended for use in personal households in order to satisfy everyday and cultural needs, as well as elements of decoration and equipment of apartments.

There are two options for this type of insurance:

General contracts that insure finishing, utilities, household equipment of residential premises and main types of household property;

Special contracts under which valuable and expensive property (collections, paintings, antiques, expensive dishes, musical instruments, jewelry, etc.) are accepted for insurance.

The Federal Law of December 21, 1994 “On Fire Safety” (with subsequent amendments of August 22, 1995, April 18, 1996, January 24, 1998) provides that fire insurance can be carried out in voluntary and mandatory forms. All foreign enterprises carrying out business activities on the territory of Russia must carry out compulsory fire insurance for: property under their control, use, and disposal; civil liability for damage that may be caused by fire to third parties, works and services in the field of fire safety.

The procedure and conditions for compulsory fire insurance must be established by the relevant federal law. Such a law has not yet been adopted, so fire insurance is carried out in a voluntary form.

Fire insurance is a traditional and long-existing type of insurance. Under a fire insurance contract, not only the risk of fire can be insured, but also many other dangers of a related or equally destructive nature.

Objects of insurance are buildings, structures, unfinished construction objects, transmission devices, machinery and equipment, inventory, products, raw materials, materials, goods, fuel, household and other property. An insurance contract can be concluded both for all property and for its individual types. Different types of property cannot have the same insurance regime. The most valuable types of property (money, securities, art objects, etc.), as well as explosive and flammable substances, are insured under special conditions.

In property insurance, there are different main and additional contracts. Under the main contract, only property owned by the policyholder is insured. Under the additional contract the following is insured: rented property; property accepted from other enterprises and the population for repair, transportation and storage; property accepted for the duration of experimental, research work and exhibiting at exhibitions.

Insurance contracts provide protection against the risks of loss or damage to property from fire, lightning, explosion, flood, earthquake, subsidence, storm, hurricane, rain, hail, landslide, groundwater, mudflows, unusual frosts or heavy snowfalls for the area, interruption of power supply due to natural disasters, accidents of heating, water supply, sewerage and other systems.

The insurer is also obliged to cover the insured's costs associated with taking measures to reduce possible losses, even if these measures were unsuccessful. However, it must be proven that such expenses were necessary or incurred at the direction of the insurer.

Additional insurance coverage intended to compensate for indirect losses may include: property insurance against illegal actions of third parties (arson, explosion, burglary); broken window glass and shop windows; loss of profit due to interruption in production.

Exclusions from insurance coverage include damages:

· those that occurred as a result of not insured risks, but natural processes (physical wear and tear, corrosion);

· caused by the use of thermal processes (hot processing); associated with violation of storage rules (spontaneous combustion, fermentation, rotting);

· caused by force majeure circumstances.

The size of the insurance tariff is determined upon concluding an insurance contract based on the volume of liability of the insurer depending on the type of property and insured risks.

Tariffication- this is the assignment of risk to a certain tariff group. When pricing risk, the following stages are distinguished:

· determination of the type of structure (based on the material and features of the building);

· determination of the type of activity (civil, commercial, industrial, agricultural risks);

· classification of property located in the building (equipment, machinery, work in progress, stocks of raw materials, semi-finished products, finished products, etc., types of household property);

· identification of internal and external factors that aggravate or reduce risk (serves as the basis for the application of premiums and discounts).

Fire insurance or fire insurance is a type of insurance protection most common in property insurance. This type of insurance is a traditional type of insurance in Russia. Back in December 1786, a special state insurance expedition was created, which insured stone buildings against fire in large cities.

Modern enterprises and production facilities are equipped with reliable equipment, accident prevention and fire safety equipment, which undoubtedly helps reduce the frequency of fires and accidents. At the same time, the average losses from one fire and the costs of restoring production have increased many times, and today fire damage often amounts to tens and hundreds of millions of dollars, acquiring the nature of emergency situations. Entrepreneurs widely use the services of insurers to obtain guarantees for the restoration of production destroyed by fire.

Objects of insurance can be: buildings, structures, objects of unfinished construction, transmission devices, power, working and other machines, equipment, inventory, products, raw materials, materials, goods, fuel, household property, exhibits and other property. An insurance contract can be concluded for all property or for part of it. Buildings and structures (including other property) located in an area that is constantly threatened by collapses, landslides, floods and other natural disasters cannot be insured under voluntary insurance.

The insured can be either the owner of the property or the owner under a lease or rental agreement. The property may be under the full economic control of the policyholder or in operational management, and may be transferred to the policyholder for storage or disposal for any purpose (for processing, storage, sale, leasing, etc.).

Traditional fire insurance provides compensation for damage caused to the insured property due to fire, lightning, explosion and other causes that resulted in the fire of the insured property.

A fire is a fire that can spread independently outside of places specifically designed for its breeding and maintenance. In this case, the appearance of fire in the form of an open flame is not necessary; smoldering and burning (incandescence) are sufficient. A lightning strike means the direct penetration of lightning into property, and damages from the thermal effects of lightning (including damage from burning and debris) and due to air pressure caused by lightning are also insured. An explosion is considered to be a sudden manifestation of energy force from the tendency of gases or vapors to expand. An explosion of a tank (pump, pipeline) occurs only when the walls rupture to such an extent that a sudden equation of pressure difference occurs inside and outside the tank.

Insurance companies compensate for losses that arose as a result of the direct impact of fire on the insured property, as well as the impact of side effects (smoke, heat, gas or air pressure). Losses that may be caused to the insured property as a result of measures taken to extinguish a fire are indemnified, for example, damage to property by water from fire installations, dismantling of a building or its parts when extinguishing a fire to completely eliminate the source of fire.

Quite often, a fire insurance contract includes property insurance against associated risks, i.e. The insurance company also includes insurance protection against damage or loss of property due to such risks as:

Natural disasters, namely: earthquake, volcanic eruption, underground fire, landslide, subsidence, mountain collapse, rockfall, tsunami, storm, whirlwind, hurricane, tornado, hail, rain, mudflow;

Penetration of water from the adjacent room;

Accidents of heating, water supply, sewerage and fire protection networks;

Broken window glass, mirrors and shop windows;

Illegal actions of third parties (arson, explosion, damage, burglary);

Interruption in production after a fire or loss of profit in this regard.

Losses arising as a result of an earthquake are subject to compensation only if the policyholder proves that during the design, construction and operation of insured buildings and structures in seismically hazardous areas, the seismological conditions of the area in which these buildings and structures are located were properly taken into account. Insurers do not indemnify for losses resulting from rain, snow, hail or dirt entering the insured premises through unclosed windows, doors or other openings in buildings, unless these openings were caused by a storm, whirlwind, hurricane or tornado.

Illegal actions of third parties mean any unlawful intentional and careless actions of third parties that caused damage to the property interests of the insured. The concept of “illegal actions of third parties” includes theft, robbery, robbery, intentional and careless destruction (damage) of property, etc.

Many insurance companies, in order to limit risk, narrow the list of actions of third parties for which they indemnify for damage. Often the insurance contract specifically stipulates what is considered an insured event. For example: “An insured event is damage to the insured property that occurs as a result of illegal actions of third parties: theft, robbery.” Thus, the insurer narrows the concept of “illegal actions of third parties” to two of its manifestations: theft and robbery. Damage arising as a result of possible other actions of third parties is not compensated by the insurance company under this agreement.

To avoid misunderstandings, when concluding an insurance contract, the policyholder must carefully study the text that lists the risks that fall under the definition of an insured event.

53. INSURANCE OF PROPERTY AGAINST FIRE AND OTHER DANGERS

However, fire insurance does not cover all damage to property caused by fire. Insurance companies, as a rule, do not compensate for losses resulting from the treatment of the insured property with fire (other thermal effects) in accordance with the technological process; losses that arose not as a result of a fire, but from burning (for example, when storing raw materials, materials, products, etc. near sources of fire). Quite often in a fire insurance contract it is carried out property insurance against associated risks, i.e. the insurance company also includes insurance protection against damage or loss of property due to risks such as: 1) natural disasters, namely: earthquake, volcanic eruption, underground fire, landslide, subsidence, hurricane, tornado, hailstorm, mudflow; 2) penetration of water from an adjacent room; 3) accidents of heating, water supply, sewerage and fire-fighting networks; 4) broken window glass, mirrors and shop windows; 5) illegal actions of third parties; 6) interruption in production after a fire or loss of profit in this regard.

Losses resulting from an earthquake are subject to compensation only if the policyholder proves that during the design, construction and operation of insured buildings and structures in seismically hazardous areas, the seismological conditions of the area in which these buildings and structures are located were properly taken into account. Insurers do not indemnify for losses resulting from rain, snow, hail or dirt entering the insured premises through unclosed windows, doors or other openings in buildings, unless these openings were caused by a storm, whirlwind, hurricane or tornado.

From the book The Book of Five Rings by Musashi Miyamoto

* Book of Fire * In this "Book of Fire" Strategy of the Ni To Iti school, I liken combat to fire. First of all, people think narrowly about the capabilities of Strategy. Using only their fingertips, they know only the capabilities of three to five inches of the wrist, They stake the outcome of the fight in

From the book What is incomprehensible among the classics, or Encyclopedia of Russian life of the 19th century author Fedosyuk Yuri Alexandrovich

Making Fire The title is as if from a novel about prehistoric times, yet even in the Pushkin era, so familiar to us from literature, getting fire was a very troublesome task. Of course, in houses this was facilitated by the constant presence of “heat” in the furnace firebox, that is,

From the book A Practical Guide to the Hunt for Happiness author Ilyin Andrey

From the book Security Encyclopedia author Gromov V I

1.4.5. Starting a fire Palm leaves and similar fuels are found everywhere near oases. In the depths of the desert, however, use any piece of dry plant you can find. Dry camel dung can be used when wood is not available. Probably the most

From the book Great Soviet Encyclopedia (KO) by the author TSB

From the book Great Soviet Encyclopedia (PL) by the author TSB

From the book Great Soviet Encyclopedia (SI) by the author TSB

From the book Agni Yoga. Symphony. Book III author Klyuchnikov Sergey Yurievich

From the book Civil Code of the Russian Federation by GARANT

From the book Myths of the Finno-Ugrians author Petrukhin Vladimir Yakovlevich

From the book Lawyer Encyclopedia by the author

Property insurance see Property contract

From the book A Sassy Book for Girls author Fetisova Maria Sergeevna

The art of fire But what gives us the right to call such an ordinary process as cooking art? And the fact is that over time people learned not only to use, but also to control fire. The main purpose of fire was, of course, to make human life easier and more enjoyable. A

From the book Autonomous survival in extreme conditions and autonomous medicine author Molodan Igor

5.2. Making fire 5.2.1. Making a fire The place for the fire is chosen away from coniferous trees, and especially dead wood. The area around is thoroughly cleared of dry grass, moss and shrubs to a depth of 1–1.5 meters. If the soil is peaty, add a layer of sand or earth. In winter

From the book A Primer on Survival in Extreme Situations author Molodan Igor

5.2.1. Making a fire The place for the fire is chosen away from coniferous trees, and especially dead wood. The area around is thoroughly cleared of dry grass, moss and shrubs to a depth of 1–1.5 meters. If the soil is peaty, add a layer of sand or earth. In winter, at high

From the book What to do in extreme situations author Sitnikov Vitaly Pavlovich

Making a fire The place for the fire is chosen away from coniferous trees and dead wood (determined by the dry tops of the trees) and cleared of dry grass, moss and shrubs to a depth of 1–1.5 m. In the warm season, if the soil is peaty, add a layer of sand or land. in winter

From the author's book

Starting a Fire A small fire is easier to start and maintain than a large one. Several small fires around you in cold weather will provide more warmth than a large fire. If you need to start a fire on wet ground or snow,

Basic conditions for insuring the property of legal entities against fire and other dangers. Insurance of property against fire and other dangers Insurance of property against fire and other dangers

Send your good work in the knowledge base is simple. Use the form below

Similar documents

Insurance of property (real estate) of individuals with liability for all risks

We recommend other articles

Basic conditions for insuring the property of legal entities against fire and other dangers. Insurance of property against fire and other dangers Insurance of property against fire and other dangers

Send your good work in the knowledge base is simple. Use the form below

Similar documents

Insurance of property (real estate) of individuals with liability for all risks

We recommend other articles

Korean salads - the best recipes

Cupcake with jam - recipe with photo