At the moment, almost all people use such a process as property insurance of legal entities. This term is understood as a classical type of insurance, which minimizes the existing risks of enterprises, and also allows organizations to conduct their business stably. In this way, the role of insurance in a market economy plays a very large, because this service is always used and almost all literate people.
Today property insurance of legal entities variously, the difference in types of insuranceis what will be the list of covered risks and the percentage of insurance traffic. The legal entity itself can insure its property, both from all existing risks, and from some or a specific one risk.
At all, property insurance of legal entities - a pretty good deal, because with this, withoccurrence of any negative cases, for example, breakage, theft or other force majeure situations, the insurance service will incur all losses and pay the legal entity the amount specified in the contract. If this procedure is carried out, the legal entity is compensated for the damage caused by fire, natural disasters, explosion, accidents, theft, deliberate third-person interference, and so on. The most common type of damage is considered to be water and fire damage.
The main objects of insurance can be -buildings, facilities, interior decoration, engineering communications, production equipment, household equipment, household appliances, stock and office equipment, and other objects can also be identified. The insured amount that must be paid is always determined by agreement between the insurer and the insured, but it is always limited to the book value of the property that is insured. In some situations, expert evaluation is possible.
Property insurance can be carried out by both a private insurance organization and a state bank. In the latter case, such a concept arises as collateral insurance, where the property acts as collateral. If the property of the legal entity is lost or damaged, the insurer must pay the entire insurance sum.
In property insurance of legal entitiesincludes insurance of vehicles. The insurance contract can be concluded both for 1 year and 3 years. If a legal entity wishes to conclude a contract for less time, for example, for 3 or 6 months, then in this case they find out all the reasons that prompt the client to conclude an agreement for such a period. Here, the insurance company begins to closely monitor both the insured and his insured property. And only after that, when the insurer acknowledged the reasons for concluding the contract for a small period of respect, but can sign a contract and conclude a deal with the insured.
If the insurance of the property of a legal entity is 1 year, then in this case it is possible to pay for insurance in full or in installments. There are 2 options for payment of services in installments:
- the first payment is paid within 5 days from the date of signing the contract, and the second is paid no later than 3 months. Thus, here payment takes place in equal parts in 2 stages.
- You can pay quarterly and for each payment the amount can be negotiated separately.
Insurance can greatly help enterprisesor legal entities, providing all payment in case of any trouble. And besides, insurance companies can significantly influence the activities of organizations and legal entities, helping them to conduct their activities evenly and correctly.
