Slogan of organizational development of insurance companies

I. The insurance liability scope of an insurance company includes

1, loss of fixed assets (in this case, that is, transformer damage and automatic equipment damage caused by accidents, as well as the loss of burning factory buildings)

Payment should be made according to the principle of property insurance compensation, that is, the principle of loss compensation. In this case, compensation shall be made according to the loss, but it shall not exceed the insured amount 1 15000 and the market value of the fixed assets.

If the market value of the fixed assets in this case is 6,543.8+0,000, or the replacement cost is 6,543.8+0,000, the compensation should be 6,543.8+0,000.

If the market value is 1.5 million, or the replacement cost is 1.5 million, the compensation should be 1 1.5 million.

2. Loss of current assets (in this case, the scope of liability is the input of production raw materials and food damaged due to temperature rise)

Pay according to the principle of loss compensation, as above.

3. Additional 3-month loss of profits insurance (in this case, the loss of production stoppage for 2 months).

Secondly, in this case, the compensation period of loss of profits insurance is from June 200 1 year to July 3 1 year, and the production suspension time is two months. Although the next two months are outside the time limit, the incident time is within the insurance liability period after all.

However, the actual amount of compensation should depend on the specific contract. There are generally three situations.

1. According to the average profit of the previous year, the industry can calculate the monthly or daily profit, and then discount it for two months, with an upper limit of 200,000.

The average profit of this unit in the first six months is the same as above.

3. According to the specific agreement in the contract at that time, in general, the compensation is 20× 2/3 =132,000, and the specific compensation amount is estimated to be around this amount.

On the second floor, I was really shocked by your insurance! I don't see what LZ is asking ... personal life insurance and property insurance are confused. If you want to make money, you can't post it everywhere! ! I'm speechless for you ... It's because some agents promise their customers at will when selling insurance, and they don't fulfill their obligation to tell them truthfully, which leads to the situation that it's easy to buy insurance now and it's difficult to settle claims, which leads to the low quality of insurance policies and the chaos in China insurance market! ……

China's insurance market needs to be standardized.

China people's insurance awareness needs to be strengthened. ...

The knowledge level of insurance agents in China needs to be improved urgently ... How many insurance agents have received professional insurance education? ...

Of course, the living conditions of insurance agents in China are not good either. Cattle farmers will earn millions of dollars a year, while bitches will only stay in employers' companies and western companies for a few days, or cheat some insurance premiums to get out of here. ...

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.