especially property insurance

No one is immune from the loss of property due to fire, flooding, theft ... but loses much more in these situations, the company for which property damage can result in downtime, loss of employee salaries, and in the end - the deprivation of profit. The most reasonable solution to the business owner will be property insurance companies: while losses will be reduced to 0.15-1.5 per cent of the value of the property, paid by the insurer as a contribution.

That relates to property insurance of legal persons, and what kinds it happen?
Nowadays, most insurance companies provide insurance services to corporate property. To the main risk group, whose coverage is provided by the insurance contract are the following types of:
Fire.
Lightning strike.
Explosions: mostly - gas equipment: steam boilers, gas pipelines.
Natural disasters: floods, drought, earthquake, hurricane, tornado, hail, avalanches, landslides and so on. D.
Exposure to water: flooding from nearby objects or groundwater, water and breakouts of heat, fire protection systems.
Wrongful acts of third parties: theft, robbery, hooliganism.
Breaking windows, windows and other glass structures.
Falling foreign objects: trees, light poles, aircraft and parts.
Hitting ground vehicle.
Of these insurance claims are the most common fires and property damage by water. Often these two points a priori included in insurance companies, and other risks including negotiated separately. Insurance companies may also offer to insure property against terrorist attacks, equipment failures, including fire and electrical failure mechanisms of food spoilage and so on.
The question about the number of objects of the property covered by insurance as negotiated separately with each company. Ideal - to insure and production, and warehouses, and offices, as well as to include insurance with all available equipment and furniture.
Insurance companies are ready to execute documents on the following types of movable and immovable property:
all kinds of buildings, structures, buildings, premises;
unfinished;
network engineering;
Equipment of all types: industrial, commercial, office;
equipment, appliances: Home, electronics, computing;
furniture, furnishings;
goods, including raw materials, semi-finished products, finished products;
cash in vaults and safes;
vehicles in storage (not used);
land;
property located on the outside of the building (installation advertising, signage, lighting and so on. d.).
Insurance for legal entities is made as to the property in the complex, and the specific objects on the client's choice, including individual components of buildings. Today it is possible to insure almost any property of the organization, with the exception, perhaps, of greenery.
Features corporate property insurance

Each type of insurance is associated with its nuances, which must first be carefully studied and negotiate with the insurer before signing the contract. Terms of corporate property insurance provide insurance benefits only if the company is not guilty of property damage due to negligence or other reasons. For example, a fire occurred due to faulty wiring or fire alarm, a legal entity warned about elimination of the violations, but failed to take appropriate action. In this case, the insurer does not repair the damage caused to the property of the enterprise.
In each situation, the presence of the insured event must be confirmed by expert opinions: the act of Ministry of Emergency Situations after the fire, lightning, natural disasters, reported by the police in case of theft (a number of insurance companies pay compensation for damages only if the institution of criminal proceedings), the conclusion of a gas leak in the explosion of gas equipment and t. n.
As a rule, before the conclusion of the contract, inspection and evaluation of enterprise property, the insurer may require the legal entity to eliminate violations of the rules of storage, repair facilities and equipment if their condition can contribute to the destruction of buildings, flood, fire or other accidents.
With regard to the scope of coverage, the features of corporate property insurance policy allow include not only the company, but also objects that are in rent, lease, hire.
Terms of corporate property insurance

The contract of insurance of property companies is generally for a period of 1 to 12 months, at least - two or three years. For those who wish to insure the property, but for a year to pass it to other persons, there is an option of short-term insurance coverage when the contract is for one year, and in the transfer of assets to another legal entity insurer returns a portion of contributions, except for the cost of making a contract, holding examination.
Tariffs insurance companies are often in the range of 0.5-1.5% of the sum insured, or - value of the insured property. In some cases, for the determination of the sum insured may be involved appraiser.
There are two types of payment of insurance premiums:
lump sum payment;
installments:
50% of the amount in the first 3-5 days after the conclusion of the contract and the remaining 50% over the next three months;
quarterly payments (not necessarily equal).
What affects the size of the insurance rate?
Number of insured risks;
The cost and size of the property of the company;
The technical condition of the property (the degree of wear);
The presence of security systems, further protects the lens from damage enterprise;
The likelihood of risks: finding nearby hazardous industries, geographical location of the object, and so on. Etc .;
Qualification of employees;
The income level of the enterprise;
The size of the franchise, and other factors.
It is important to bear in mind that many insurance companies offer discounts to its loyal customers, reduced rates for property insurance, if not previously occurred insurance cases.
In general, the practice of insurance legal entities in Russia shows that domestic enterprises are gradually turning to the Western model of prevention of serious financial losses. Small contributions can guarantee the stability of the company, even in the most difficult time for the company.
Additional incentives to corporate property insurance claims are credit institutions and foreign investors to the presence of insurance, as well as some tax benefits (see. Art. 263 of the Tax Code).