How can I distinguish a specific peril insurance contract from an all peril risk insurance contract

There are many kinds of insurance contracts according to the subject matter of insurance, and there are several kinds of the same subject matter according to different areas of liability, so the question you ask can only be ended with a textbook. If there is no such classification as a specific insurance contract and an all-peril-risk insurance contract, please consult a friend who tells you these two concepts in detail, and ask him clearly what the terms are. Then I don't understand and continue to ask.

Because these two concepts you mentioned are not accurate, there is no such name in the industry. 1. In property damage insurance, there are basic insurance (as well as comprehensive insurance) and all risks, if these two classifications are these two classifications, that is, the first two adopt a clear responsibility system, and only those risks listed in the occurrence clause are responsible for compensation; The latter adopts the exclusion liability system, which underwrites a lot of risks, except for the exclusion liability, the insurance company is responsible for compensation, so the industry calls it all risks. 2. In addition, in the accident insurance, some are specific scopes, such as:

Aircraft accident insurance, which is only responsible for compensation if an accident occurs on board the aircraft; However, some are called accident insurance, which is not fixed to be paid for accidents on the plane, as long as an accident occurs, then the insurance company has to be responsible for compensation, so this is not divided into regions. Based on your question, you can only make a preliminary answer from the above two aspects.

The scope of the specific hazard contract is relatively small, and the scope of the all-perility contract is larger.

Answer: Brother Model Case]: b

According to the classification of risk liability, the Baoxian Rapid Mitigation Insurance Contract can be divided into a single risk contract, a comprehensive risk contract and an all-risk contract. Therefore, B is selected for this question.

Insurable risk refers to the risk that the insurance company can accept or transfer to the insurance company. Conditions for insurable risks. An insurable risk is a risk that is acceptable to the insurer.

While insurance is a way for people to cope with risks, it can provide financial compensation to people when they suffer losses, not all risks that damage material wealth or threaten personal safety are covered by insurers.

Insurable risks are usually limited to pure risks. The so-called "pure risk" refers to the uncertainty that there is only the possibility of loss and no profit opportunity. However, not all pure risks are insurable.

Pure risk is known as insurable risk and must be flame resistant to meet the following conditions:

1.high degree of loss;

2.The possibility of loss is slim;

3.Losses have a definite probability distribution, and only when the probability of loss can be determined, can the probability be calculated to determine how much premium to collect and how much to report.

4.Losses must be accidental, on the one hand, losses cannot be artificially controlled, mainly in order to avoid the policyholder from creating their own risks to let the insurance company give money, in order to avoid moral hazard. On the other hand, the law of large numbers is premised on random chance time.

5.Losses can be determined and measured.

As an important means for microeconomic agents to transfer risks, insurance aims at risks, and the possibility and uncertainty of risk losses make it necessary to strengthen the prevention and management of insurance risks. The prevention and management of underwriting risks is mainly to determine the risks actually underwritten by the insurance business, that is, the conditions for underwriting risks.