Insurance type:
Commercial insurance can be roughly divided into property insurance, personal insurance, liability insurance, credit insurance, subsidy insurance and marine insurance.
Large categories are classified according to the scope of insurance liability, and small categories are classified according to the type of insurance subject matter.
According to the scope of insurance, it is divided into: personal insurance, property insurance, liability insurance and credit guarantee insurance.
1. Fire insurance covers the losses caused by fire to the property stored in a certain geographical range and basically in a static state on land, such as machines, buildings, various raw materials or products, household appliances, etc.
2. Marine insurance is essentially a kind of transportation insurance, and it is the earliest insurance in all kinds of insurance business. The insurer is responsible for the loss of the subject matter insured caused by marine risks.
3. Cargo transportation insurance is cargo transportation insurance other than maritime transportation, which mainly covers the loss of goods during inland river, inland river, coastal and air transportation.
4. All kinds of vehicle insurance mainly covers the losses of all kinds of vehicles during driving and parking. It mainly includes automobile insurance, aviation insurance, ship insurance and railway vehicle insurance.
5. Engineering insurance covers all unexpected losses and personal injuries and property losses of third parties in various engineering processes.
6. Post-disaster interest loss insurance refers to the insurance that the insurer bears the insurance liability for all kinds of intangible interest losses that may be caused after the property suffers an insurance accident.
7. Burglary in burglary insurance insures the property against losses caused by acts such as robbery by robbers or theft by thieves.
8. Agricultural insurance mainly covers all kinds of crops or cash crops and all kinds of livestock and poultry losses caused by natural disasters or accidents.
9. Liability insurance is an insurance whose subject matter is the civil liability of the insured. Whether it is an enterprise, a group, a family or an individual, in all kinds of production and business activities or daily life, if the victim causes damage to others due to negligence or negligence, the economic compensation liability that the victim should bear according to the law or contract can be compensated by the insurance company after taking out relevant liability insurance.