Characteristics of commercial insurance:
1. The main body of commercial insurance is the commercial insurance company.
2. The insurance relationship embodied in commercial insurance is embodied in the insurance contract.
3. The objects of commercial insurance can be people and things (tangible and intangible), and the specific objects are people's life and body, property and interests, property-related responsibilities and credit.
4. The business of commercial insurance should be profit-oriented, and the maximum profit must be obtained to ensure that the insured enjoys the maximum economic security.
Commercial insurance is a kind of commercial behavior, and the insurance operators aim at pursuing profits, accounting independently, operating independently and taking responsibility for their own profits and losses.
The coverage of commercial insurance shall be determined by the applicant, the insured and the insurance company through consultation. Under different insurance contracts and different types of insurance, the scope and level of protection obtained by the insured are different, while the scope of social insurance is generally stipulated by the state in advance, and the scope of risk protection is relatively narrow and the level is different. The protection is relatively low. This is determined by the nature of its social security.
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