The main property of any legal entity is the presence of some property in its ownership. Operating all things, be it transport or some kind of premises, always presents some risks. Perhaps examples of the latter are fires, natural disasters or adverse effects from third parties.
In order to minimize the consequences of all kinds of risks regarding the use of their property, many legal entities resort to the services of property.
More details about them, current tariffs for today property insurance legal entities and other features of the summarized question will be discussed in the article below.
A legal entity in the Russian Federation is a full-fledged subject of civil circulation, which, like ordinary citizens, has a large number of rights. One of the latter, of course, is the possibility of insuring property owned by the organization.
Insurance services, which are considered in relation to legal entities, also involve compensation for damage that may be caused to the insured items in the future.
The list, features, order of occurrence and other features of insured events are determined by the organization and the insurer at the time of drawing up the relevant contract between them.
As a rule, in the standard list of circumstances under which a legal entity is entitled to insurance payment, includes:
Amenable to almost all types of property that may belong to legal entities. In most cases, organizations insure:
Perhaps, it is the type and cost of the insured property, along with the solidity of the organization and its area of specialization, that play the greatest role in the formation of insurance rates.
The average indicator of how much the insurer takes from the value of the insured things of a legal entity is about 0.5-2 percent.
An increase in the tariff percentage, approximately, to the figure of "5" takes place with high risks of an insured event, too much insurance and some other features of each specific situation.
In addition to the main parameter of the organization's property insurance - its price, the average rates include the following:
It is important to understand that the indicators of parameters noted above are of an exclusively generalizing nature, which reflects general position in the insurance market at a given time. Do not forget - in a particular case, the tariff conditions for property insurance of organizations may differ slightly or significantly.
The insurance market in Russia is very large and almost every representative of it has a service of the type of property insurance for legal entities.
Some companies specialize in insurance for small and medium-sized businesses, others provide guarantees large enterprises, and still others have a whole range of "organizational" insurance.
In any case, no matter how large and with what needs the legal entity would not apply to the insurer, the organization needs to know who is better to contact.
The following list of insurers was obtained from three representatives:
Note that the tariff offers for insurance policies from the above insurers are approximately the same. The difference is mainly traced in the variability of the available proposals.
For general information, we note that the noted insurers insure the property of organizations on the following conditions:
In most cases, to obtain insurance, it is enough for representatives of the organization to provide its constituent documents and some extracts from business accounting. Carrying out some examinations and similar events regarding the assessment of the condition of the insured items are extremely rare.
Note! There is an erroneous assumption that too high rates apply when insuring real estate, corporate collateral and similar property. In fact, such circumstances do not differ significantly from typical insurance cases. On average, collateral and real estate insurance is 10-25% more expensive than any other insurance offered to a legal entity.
According to the current legislation of the Russian Federation, legal entities engaged in a certain field of activity undertake to insure movable and immovable property, which is listed on their balance sheet.
If the specialization of the organization does not provide compulsory insurance property, it is issued exclusively on a voluntary basis. Note that you can inform about compulsory property insurance at any representative office tax authorities RF.
Regardless of the format of insurance, a legal entity has the right to:
That is, none of the state structures in Russia has special powers to prohibit a legal entity or force it to insure property from a particular insurer.
Perhaps, on this note, regarding the issue summarized today, we can end. As you can see, there are no special difficulties and peculiarities in insuring the property of a legal entity. We hope that the presented material was useful for you and gave answers to your questions.
What everyone should know about property insurance is presented in the video:
Sep 18, 2017 Benefit Help
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In property insurance of legal entities are accepted for insurance coverage numerous and diverse objects of property. An exhaustive list of this property is rather difficult to compile. However, the objective need for property insurance is obvious, since emergency, destructive events cause enormous damage to its owners.
The main groups of property of legal entities, usually accepted for insurance, are as follows:
As a rule, the following property of legal entities is not accepted for insurance:
The indicated groups of property of legal entities accepted for insurance differ by generic characteristics, functional purpose, life (production) cycle, features of manifestation of risk events. Therefore, their insurance is carried out according to separate insurance rules. However, the organization of insurance relations, their economic, legal framework almost the same for insurance different types property.
Insurance risks, which in various combinations are typical for most of the specified groups of property of legal entities, are included in the relevant rules (contracts) of insurance.
Such risks against which property insurance is carried out are damage, destruction (death), loss of property due to:
Losses from damage, destruction (destruction), loss of property as a result of:
In addition, the damage caused as a result of force majeure events (force majeure circumstances) is not indemnified, unless otherwise provided by the insurance contract.
Such force majeure events include:
The objects of property insurance are property interests the insured (beneficiary) associated with the possession, disposal, use of property and the need to compensate for damage in the event of insured events.
The subjects of insurance are insurers, policyholders, beneficiaries.
Property insurers in this case are legal entities.
The beneficiary is the person in whose favor the property insurance contract is concluded.
The insurance contract is concluded on the basis of a written or oral application and the submission by the insured of an inventory of the property to be insured in the form established by the insurer.
In the inventory of property, insurers provide for the need for the insured to submit the following information in various combinations: the name of the property; type, brand or other important features of the property (for example, building material from which the walls of a residential building or a building for other purposes were erected, etc.); year of issue (putting the facility into operation); the number of units of this property; insurance (actual) cost of a unit of an object and the entire quantity; sum insured per unit and total amount; location of property (territory of insurance protection).
Prior to the conclusion of the insurance contract, the insurer has the right to verify the accuracy of the information provided in the inventory of property, and other data on the objects, their operating conditions, and, if necessary, appoint an examination to assess the condition and actual value.
The insurer checks, in particular, the presence of property in the place indicated in the inventory; ownership of property on the basis of ownership, full economic management, operational management or other rights; conditions of storage of property; qualification of service personnel; susceptibility of property to the risks of losses from fire, natural disasters, flooding, theft and other adverse events, balance sheet, residual value, purchase price; service life, etc.
When concluding a property insurance contract, the policyholder is obliged to:
Any enterprise (organization, institution), regardless of its organizational and legal form, owning property on the basis of ownership rights, or accepting it for leasing, pledge, rent, commission, for sale, storage or for other legal grounds, has the right to insure its property.
Property - aggregate material values and things that are in use (possession) of the insured person. The property differs by types: movable and immovable property, property of agricultural and industrial enterprises. Movable property includes everything that can move. Real estate is static, for example: buildings, structures, land.
The object of insurance is the loss, shortage or damage to certain property. Under an insurance contract, property may be insured in favor of the insured (beneficiary) who has an interest based on the contract (law) in the safety of this property.
Enterprise property insurance is divided into types of property insurance:
Property insurance legal organizations in Russian Federation of the above types is carried out on a voluntary basis. The following property of enterprises is subject to insurance:
Property leased to other organizations may be insured separately from the common part of the property.
When insuring the property of legal entities, the following property shall not be insured:
An exception to the last paragraph is the case in which insurance is extended for a new period even before the expiration of the period under the previous contract, within the limits of the percentage of the value of the property that was specified in the original insurance contract.
The property interests of economic entities are manifested in case of death, destruction (damage), flooding, theft, destruction of property. It should be borne in mind that property interests are subject to insurance protection, the insured event with which occurred unintentionally (accidentally).
Business property insurance is carried out from possible receipt damage (loss) in case of damage or loss of property due to the following insured risks (insured events):
It's important to know!
Damaged is the state of property, in which there are no characteristic signs of its complete destruction or destruction, and which can be restored by repair. Destruction, death, loss, flooding is the disposal of property from use. Theft means the taking of property by fraud, theft or robbery.
When insuring the property of legal entities, the payment insurance compensation can be made both for the insured and for the beneficiary appointed by him (individual or legal entity). It is important to remember that the insurer's obligation to make an insurance payment arises only upon the fact of an accident. insured event(case). The beneficiary (insured) before the occurrence of the insured event (case) has no rights and grounds to receive insurance compensation.
In most cases, insurers consider corporate property insurance to be a clear type of insurance for themselves, which is due to the ability to reinsure risks in Europe according to favorable rates. Therefore, we can give good rates.
As a rule, losses on property insurance are paid without any problems, since most of the risks fall into obligatory reinsurance contracts and reinsurers bear most of the responsibility for the risks under these contracts.
Contact us and we will select Better conditions to insure your company's property. We have solid experience in insuring various property of legal entities in various regions of the Russian Federation. When contacting regional clients, we will send you the original contracts by courier service to the guarantor.
Contact us and you will receive an offer that really deserves your attention!
Insurance of property of organizations is an important condition for the protection of objects that are on the balance sheet of the organization. This will help prevent insolvency in the event of an unforeseen fire, natural disaster or other event covered by the insurance policy.
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What is the property insurance service for legal entities, what types of it are distinguished and the rules for indemnification of risks are applied. About applicable tariffs and required documents will be discussed in this article.
Enterprise property insurance is a system of compensation for the cost of lost or damaged objects that are on the balance sheet of the organization.
Subject to the insurance program is compensation for damage and loss of property belonging to the organization.
Any objects included in the list of fixed and working capital can act as such, including:
Insurance of legal entities depends on the type of property in respect of which material risks are subject to compensation:
Objects that are located in territories threatened by destructive natural disasters or in zones of special control with limited access (in accident areas, including nuclear power plants, etc.), with unfavorable environmental conditions, are not subject to inclusion in the insurance policy.
Buildings recognized as emergency, dilapidated, threatening collapse and destruction, determined as such on the basis of acts of local authorities monitoring the urban development situation in the territory, are not insured.
It is typical for organizations to conclude insurance contracts for this type of compulsory insurance like OSAGO. In this case, the damage caused by the vehicle is subject to compensation within the framework of civil liability the manager of the vehicle by an employee of the organization for official purposes. It is also possible to purchase a voluntary package of insurance services such as CASCO to compensate for the risks of damage, theft, theft of a vehicle owned by the company.
It is possible to include in the policy the following insurance risks associated with the loss or damage to the property of the organization:
The following organizations are not subject to insurance:
Insurance is carried out on the basis of state-approved rules. Companies select the most favorable conditions for themselves and form offers for policyholders. A printout of the insurer's rules must be provided when issuing the policy. The policyholder is obliged to familiarize himself with them and affix a signature confirming agreement with the proposed rules.
The process of registration is divided insurance policy to the following steps:
A voluntary insurance contract is concluded upon a written or oral application of a representative of a legal entity. If the property consists of several parts, then it is necessary to draw up an inventory and attach it to the contract.
The policy specifies the sum insured maximum size, which will be paid upon the occurrence of an insured event in full (in case of destruction of property) or in part (in case of damage or other damage). Specified size insurance premium, if there is a franchise, tariff rate, increasing or decreasing coefficients depending on the status of the property, the term of insurance, usually taken equal to 1 year.
To carry out insurance, it is necessary to confirm the legal status of the property and its ownership by the organization.
When contacting the insurer, the following are provided:
For all objects to be state registration You also need to provide legal documentation. With regard to real estate, these are exchanges and other transactions with the subsequent registration of property with the Rosreestr authorities.
The calculation of the tariff depends on several factors, on the basis of which the cost of insurance fees is estimated:
