What does commercial insurance cover?

Business insurance is a type of insurance service provided by insurance companies to help individuals and businesses protect against specific risks. Business insurance is usually divided into the following types:

Property insurance: Property insurance is used to protect physical property, including homes, offices, warehouses, equipment, and inventory, among others. This type of insurance can cover property damage caused by events such as loss, damage, or theft.

Liability insurance: Liability insurance primarily involves indemnifying third parties for bodily injury, property damage, or other damage suffered by you or your business activities. These include public liability insurance, employers' liability insurance, and professional liability insurance, among others.

Car insurance: Car insurance mainly covers the loss and liability of motor vehicles, including risks such as vehicle collisions, theft, natural disasters, etc. This includes motor vehicle insurance and commercial vehicle insurance.

Health insurance: Health insurance is used to pay for medical expenses and cover the health needs of an individual or family. This includes medical insurance, dental insurance, vision insurance, and long-term care insurance, among others.

Life insurance: Life insurance is designed to provide insurance that gives a certain amount of monetary compensation to the beneficiary in the event of the death of the insured. This type of insurance can help families cope with the loss of a financial supporter and provide estate planning and financial security.

There are other types of business insurance, such as travel insurance, renter's insurance, employer benefit plans, and more, that are used to meet individual or business-specific insurance needs.

It is important to note that the specific terms and coverage of insurance will vary depending on the insurance company and product. Before purchasing commercial insurance, it is recommended to read the insurance contract in detail and discuss it with the insurer or professional financial advisor to ensure that you clearly understand the specific content and conditions of the insurance purchased.

The above is Dad's, if you don't understand something, please send a private message.

The items covered by commercial insurance are as follows:

1. Critical illness insurance is to provide protection for critical illness. As long as the patient is diagnosed with a certain disease specified in the insurance contract, the insurance company will pay the corresponding insurance benefits according to the insurance contract;

2. Medical insurance refers to the reimbursement of medical expenses. At present, there are two types of medical insurance in the market, one is reimbursement according to the proportion, and the other is fixed compensation, that is, hospitalization allowance;

3. Accident insurance mainly protects people from death or disability due to accidents. A form of insurance in which the insurance company pays compensation according to the contract;

4. Pension insurance is mainly a form of insurance in which the insured pays a certain premium every year according to the contract, and when the period of receipt arrives, he begins to receive a pension every year, so as to meet the needs of the elderly.

5. Life insurance takes the life of the insured as the subject of insurance, and the life or death of the insured is the condition of payment, and when the life of the insured has an insured accident, the insurance company shall pay the insurance money.

Legal basis: Article 12 of the Insurance Law of the People's Republic of China.

The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event.

Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Commercial insurance covers the possible accidents agreed in the contract, as well as the losses caused by the occurrence of the agreed accidents.

Different insurances have different contract agreements, such as accident insurance to provide accident protection, critical illness insurance to provide disease protection, medical insurance to provide medical expenses protection, etc.

Importance of Business Insurance:

1. Guarantees:

Protecting people from any accident at any time and place can prevent them and their families from falling into a desperate situation without worrying about their earning capacity or loss of earning capacity.

2. Be able to complete your own retirement plan

Thanks to advances in medicine, the average life expectancy is increasing, and the need for a pension after retirement is greater than in the past, it is absolutely essential to have a planned withdrawal of funds in order to maintain financial independence and personal self-esteem in old age.

Commercial insurance covers property insurance. 1.Property Insurance:

Protect business assets from emergencies such as volcanic friends, floods, theft, etc. 2.Liability Insurance:

Protect the (legal) liability of enterprises for property damage, personal accidents and other accidents caused by third parties in their business activities. 3.Dust only cover body insurance:

It involves the protection of the health and life of employees, shareholders, etc., such as accident insurance, life insurance, etc. 4.Employer's Liability Insurance:

Employers are compensated in the event of injury or illness of their employees. The types of insurance covered may vary depending on the insurance company and different insurance products.

Summary. Dear, glad to answer for you! <>

Commercial insurance protects the health and property interests of the insured. Commercial insurance covers a wide range of insurance, including critical illness insurance, medical insurance, accident insurance and life insurance. Commercial insurance is a kind of business behavior, and insurance operators are independent in accounting, independent operation, and self-responsibility for profits and losses for the purpose of pursuing profits.

The coverage of insurance is determined by negotiation between the policyholder, the insured and the insurance company. It is recommended that <>you contact the insurance company if you need it

What does commercial insurance cover?

Mainly want to ask about commercial auto insurance.

Dear, glad to answer for you! <>

Commercial insurance covers the health and property interests of the insured. Commercial insurance covers a wide range of insurance, including critical illness insurance, medical insurance, accident insurance and life insurance. Commercial insurance is a kind of business behavior, insurance and unemployed operators for the purpose of pursuing profits, independent accounting, independent operation, self-financing, self-financing.

The coverage of insurance is determined by negotiation between the policyholder, the insured and the insurance company. It is recommended that <>you contact the insurance company if you need it

Dear, commercial car insurance is car damage insurance: car damage insurance is to protect the cost of maintenance and repair of one's own vehicle, the first three liability insurance is to compensate for the loss of the other party, and seat insurance is to protect the safety of the people on the car with a ruler<>

Is it true that the higher the commercial car insurance purchased, the higher the payout?

Kiss, yes, the higher the sum insured, the more <> you will pay

Dear, the contents of the extension letter are as follows<>

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by a specialized insurance company. A commercial insurance relationship is a contractual relationship voluntarily concluded by the parties <>

Business insurance refers to a form of insurance that is operated for profit by entering into a contract of insurance for profit. Commercial insurance is operated by specialized insurance companies, and commercial insurance relationships are contractual relationships voluntarily concluded by the parties.

The policyholder shall pay the insurance premium to the insurance company according to the contract, and the insurance company shall be liable for the compensation of the insurance money for the property damage caused by the occurrence of the possible seemona accident as agreed in the contract, or shall be liable for the payment of insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed upon by the insured.

What kind of property and health is covered by commercial insurance, commercial insurance is divided into property insurance and life insurance.

1. Property insurance.

Generally, it includes property insurance, agricultural insurance, liability insurance, guarantee insurance, credit insurance and other commercial insurance for the purpose of property interests, such as car and blue insurance.

2. Life insurance.

Life insurance is a form of commercial insurance in which the insurer pays commercial insurance money to the insured or beneficiary in accordance with the provisions of the commercial insurance contract for the purpose of human life and body.

Common life insurance includes: medical insurance, critical illness insurance, accident insurance, life insurance and annuity insurance.

In our daily life, the types of insurance that can protect against common risks are generally these four: medical insurance, critical illness insurance, accident insurance, and life insurance.

These four types of insurance play a vital role in our daily lives, covering our risks such as illness, death and accidents, and protecting our underlying personal risks.

So let's take a detailed look at what these four major types of insurance cover?

Critical illness insurance: transfer the risk of critical illness to make up for the loss of income caused by illness, and the claim money can be used for medical treatment**, mortgage repayment, **nursing, etc.

Million Medical Insurance: Reimburses hospitalization and drug expenses incurred due to hospitalization due to illness, and solves the problem of limited medical insurance reimbursement, but generally has a higher deductible. then the hole.

Accident insurance: The disability or death caused by the transfer accident is much cheaper than the other three types of insurance.

Life insurance: Life insurance, which we often call death insurance, is a life insurance that takes the survival and death of the insured as the condition of payment.

Life insurance can generally be divided into: term life insurance, whole life insurance, endowment insurance, and annuity insurance.

It acts to transfer the risk of life expectancy, prevent unfortunate death, and leave a wealth for the family to support the elderly, raise children, etc.

That's all for daddy, I hope it helps.

Commercial insurance is a product launched by an insurance company.

Unlike social insurance, the insurance behavior of commercial insurance occurs between insurance companies and individuals.

The two parties enter into an insurance contract on a voluntary and equal basis, thus establishing an insurance relationship.

The roller skating policyholder pays a premium to the insurance company in exchange for financial security for the insured.

It should be noted that the buying and selling of commercial insurance is a two-way selection process.

The insurance company reserves the right not to accept coverage if the insured person's health or occupation does not meet the requirements of the insurance contract.

Of course, different types of commercial insurance have different specific requirements.

When you buy commercial insurance, you must truthfully inform your health to avoid disputes over health notification in subsequent claims.

Article 16 of the Insurance Law stipulates that if the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as stipulated in the preceding paragraph, which is sufficient to affect the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

Commercial insurance can be roughly divided into: life insurance and property insurance.

We generally use less property insurance, so I won't elaborate on it here, but focus on life insurance.

2. Life insurance.

Life insurance takes a person's life or body as the subject matter of insurance.

A form of insurance in which the insurer pays insurance money to the insured or beneficiary in accordance with the provisions of the insurance contract when an insured accident occurs in the life or body of the insured or the insurance period expires.

Life insurance includes four categories: life insurance, health insurance, accident insurance and annuity insurance.

The first three are all protection-type life insurance, and although annuity insurance also has a protection function, its financial management function is stronger.

Those with better economic conditions can consider starting.

Health insurance can be subdivided into: critical illness insurance and medical insurance.

Different types of insurance have different protection, premiums, and applicable groups.

We can choose to configure life insurance based on our actual situation.

Generally speaking, adults have more family responsibilities, and the risk of encounters in the event of a sale has a greater impact on the family.

Therefore, life insurance, critical illness insurance, medical insurance and accident insurance should be matched as much as possible, and annuity insurance can be considered if the economic strength allows.

Children do not have to bear the burden of family finance, so it is recommended to configure critical illness insurance, accident insurance, and medical insurance.

For the elderly, life insurance and critical illness insurance no longer mean much to them, and they may not necessarily buy at a loss.

Therefore, it is generally sufficient for the elderly to allocate medical insurance and accident insurance.

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract and operating for profit. Commercial insurance is operated by specialized insurance companies, and commercial insurance relations are contractual relationships voluntarily concluded by the parties involved.

The policyholder shall pay the insurance premium to the insurance company in accordance with the contract, and the insurance company shall be liable for the compensation of insurance money for the property damage caused by the possible accident as agreed in the contract, or shall be liable for the payment of insurance money when the insured dies, is disabled, becomes ill or reaches the agreed age and period.

Commercial insurance is mainly divided into life insurance and property insurance, and the content of the two insurance is also different, so we have to look at it separately.

Life insurance: including life insurance, health insurance and accident insurance, which mainly covers life, illness and accidents.

Property insurance: including motor vehicle insurance, property insurance, crop insurance, etc., which protects property, as well as property-related interests, liabilities and credits.

For ordinary people, in addition to car insurance, the most important thing to supplement should be life insurance.

Today, Daddy will focus on life insurance for you.

Life insurance, which mainly protects people's lives, is generally paid after the death or total disability of the insured.

The more common ones are term life insurance and incremental whole life insurance.

Term life insurance: The protection function is very strong, the leverage is high, and it is generally purchased as the breadwinner of the family's economy.

The main transfer is the risk that the rest of the family will lose their main economic ** in the event of the death or total disability of the economic pillar.

Incremental Whole Life Insurance:

The protection function is not as good as that of term life insurance, and the main function is to achieve stable wealth appreciation.

Over time, the cash value of the policy can reach several times the total premium.

You don't have to wait until the insured dies or becomes totally disabled to surrender the policy and get a substantial benefit.

Health insurance, including medical and critical illness insurance.

Medical insurance: A type of insurance that can reimburse medical expenses, while critical illness insurance is an insurance that pays the corresponding insurance benefits after the insured suffers from a contracted illness.

The combination of the two can cover most of the medical expenses, and can also receive an unlimited amount of income compensation in the event of a critical illness.

Accident insurance: If the insured suffers an accidental injury during the insurance period, and the death or disability is caused by the original mountain failure, the insurance company will pay the corresponding insurance benefits according to the agreement.

At present, the liability of accident insurance on the market is not limited to accidental death and disability, and medical expenses caused by accidental injury are usually also covered, and some have additional compensation for traffic accidents.

Moreover, the accident insurance is quite cheap, and you can get hundreds of thousands of yuan in insurance for dozens of yuan.