Shop property insurance can be bought by many insurance companies and belongs to a kind of property insurance. The subject matter of store property insurance is the goods, decorations, display cases and office appliances displayed in the store, and the scope of responsibility includes the losses caused by fire, explosion, lightning, storm, rainstorm, typhoon and tornado. Property losses caused by theft, intentional acts of the insured and its representatives, defects and improper storage of the insured property, deterioration, mildew, dampness, insect bites, natural wear, spontaneous combustion and baking of the insured property. , exempt from liability, no settlement. Therefore, you must read the relevant exemption clauses in the insurance contract clearly, or consult the insurance company directly.
Legal basis:
Regulations of People's Republic of China (PRC) Municipality on the Administration of Foreign-funded Insurance Companies
Article 2 Foreign insurance companies refer to insurance companies registered outside China and engaged in insurance business.
Article 3 Foreign insurance companies and companies and enterprises in China shall jointly establish joint venture insurance companies (hereinafter referred to as joint venture life insurance companies) in China, in which the proportion of foreign capital shall not exceed 50% of the total share capital of the company.
Foreign insurance companies directly or indirectly hold shares in joint venture life insurance companies, and shall not exceed the proportion limit stipulated in the preceding paragraph.
Article 4 If the registered capital or working capital of a foreign-funded insurance company established in China before the entry into force of these Detailed Rules is less than 200 million yuan or its equivalent in a freely convertible currency, it shall be fully paid within 2 years after the entry into force of these Detailed Rules; If the registered capital or working capital is not paid in full, China CIRC will not approve its new business application.
Derivative problem:
How much is the shop property insurance? If businesses include more unexpected risks in their insurance liability, they can choose comprehensive property insurance. Sales staff reminded that businesses should consider potential risks according to their own characteristics, such as industry, region and business variety, and decide to choose comprehensive insurance, so that they can get comprehensive compensation when special risks occur. Property comprehensive insurance covers not only the insurance liability of basic insurance, but also hail, snowstorm, rainstorm, debris flow and house collapse. The general premium is equivalent to 4% of the insured amount. In addition, merchants can also invest in additional property insurance to further improve security and prevent earthquakes, robberies and other events. However, merchants must insure additional risks on the basis of basic insurance or comprehensive insurance. The general premium will increase by 2% on the basis of the original premium.