Objects of insurance and insurance risks
Many people think that neither with them, nor with theirnothing bad can happen. But, as the folk proverb says, a person assumes, but God disposes. And in the role of God in some cases, nature itself acts. Recently, our temperate climate has become not very moderate. That intense heat, then a fierce cold. Fires, floods became more frequent, hurricanes and even exotic tornadoes began to occur in our latitudes. And for "full happiness" is not enough just a tsunami. And many accidents are now connected with the human factor. Starting with the fact that the neighbor from above did not close the tap with water, and ending with deliberate arsons and even terrorist attacks. And those times when the person who got into trouble helped the trade union, the state, colleagues at work or neighbors, remained in the past. And now everyone has to take care of himself.
And there is no need to reinvent the wheel. You can simply contact the insurance company and get some guarantee that at least material damage will be repaid. And the client of the insurance company can become both a physical and a legal entity. There are also various objects of property insurance. For example, legal entities insure buildings and facilities, technological equipment, engineering communications, manufactured products, office equipment, offices themselves and their finishing, and other facilities.
And objects of personal insurance are apartments,houses, cottages, cottages, their interior decoration, property in them and so on. And you can insure this property both from accidental damage and from its complete loss. And there are many risks from which both personal property and property of legal entities can suffer. There are, for example, fire risks. Here, insurance objects can suffer from fire, gas explosion, lightning strike or even aircraft crash. Also, many insurance risks are associated with the elements. This list includes earthquakes, landslides, landslides and subsidence. Also, the list of natural disasters includes storms, storms, hail, tornadoes, hurricanes and other similar catastrophes.
Many insurance risks are also associated with possibleaccidents on various communications. Thus, insurance objects may suffer as a result of an accident of heating, water, fire and sewage systems. More damage can result from the penetration of water from a nearby room. There are many insurance cases that are associated with explosions of gas pipelines, steam boilers, various apparatuses and devices. And the loss of property associated with the illegal act of third parties, too, now happen very often. This is robbery, robbery or burglary.
Also, the role of insurance has significantly increased fromtransition to a market economy. After all, earlier, under the command-administrative system of managing the national economy, the management of the enterprise did not bear much responsibility for its object, which was considered state property. But market relations have changed this situation. Now the manufacturer acts at his own risk and risk, according to his own plans and he himself answers for everything. And this significantly increases the role of insurance in modern production.
Therefore today, besides traditional objects,new insurance objects have appeared. These are risks associated with direct and indirect loss of profits. Direct losses are, for example, obtaining less profit and losses associated with idle equipment. Still these losses can be connected with shortage of materials, raw materials, components, losses from strikes and other objective reasons. And indirect losses include bankruptcy of the enterprise, lost profit and other reasons. And now with the help of insurance you can protect your production from such losses.
Even today, "in fashion" includes insurancecivil liability, under which are the most diverse objects of insurance. For example, a visitor to a store, restaurant or cafe slipped, fell and broke his limb in this institution. He may well sue his owner in order to obtain material compensation. And this kind of trouble can happen in any institution. Individuals in everyday life can also involuntarily become the culprits of material losses for their neighbors. For example, the owner of an apartment can break a pipe or break a crane. And then the affected neighbors have the right to demand compensation for damage from it. And if these people have such a policy, all the damage will be compensated by the insurance company.
