Today in Russia the legal entities insurance service is quite in demand. Firms offer their customers various programs that allow you to draw up an agreement on favorable terms.
Service Differences
Insurance of individuals and legal entities is distinguished by the following factors:
- legal entities in comparison with individuals are considered other legal entities;
- officials need other insurance;
- legal entities carry out large-scale transactions.
Private companies require property insurance, as loss of property may cause the closure of the enterprise. Therefore, services are in great demand.
Types and rules of insurance
A popular service is property insurance of legal entities. Services are required due to sanctions and economic instability. The procedure involves several steps. TO insurance objects include buildings, real estate, buildings, decoration, communications.
You can insure all together or separately. In addition to real estate, the procedure is used to protect products, tools, equipment, tools, goods, objects and goods.
During construction, various losses often occur. To prevent them will help insurance of the construction site and the funds used. Real estate is an object that is in constant demand due to the possibility of investing. This property cannot be lost, but there may be a deprivation of ownership.
In Russia there are laws and rules by which not only insurance companies, but also legal entities work. Because of this, individual insurance is required. You need to choose the program carefully, taking into account not only the cost of the package, but also the services provided.
Features of the contract
Property insurance of legal entities involves the execution of a contract. This document must be drawn up correctly, otherwise, in unforeseen cases, all losses will not be covered. Therefore, the most important issue is the choice of a reliable company.
The conclusion of the contract is simple, since the procedure is standard:
- submission of documents is required;
- insurance specialist gets acquainted with the object.
If the conditions are met and there are no violations, the contract is executed quickly. After that, it comes into force.
Risks and Protection
Insurance of legal entities, including their property, includes the protection of risks, which are different:
- natural disasters;
- fires;
- robbery;
- robbery;
- hooliganism.
The risks of the company are determined from the place of production, country and region. Prices for services each company has its own. You can choose only current risks and pay a little, but because of this, not all compensations will be issued. But even overpayment will be a mistake. In this case, the customer loses funds for payments.
No owner of the property is insured that his rights may be challenged by the former owners. To avoid losses, you need title insurance of the transaction. If the contract is drawn up before the registration of the property, but the registration of the new owner has been refused, then the premium is refunded in full.
It is best to insure the property at its estimated value during the transaction. A well-executed contract covers risks and payments, and therefore the customer will not overpay at tariffs.
A responsibility
The work of each company is associated with risks of harming human health or their property. When you draw up a contract with a company, legal liability insurance becomes the company's responsibility. For this, the following programs are used:
- Civil responsibility;
- quality of work of the manufacturer;
- protection against harmful objects;
- directors responsibility;
- occupational insurance.
CTP
Insurance of legal entities involves the execution of a compulsory motor liability insurance contract, which all car owners need to have. Compared with property, the cost of this service is approved by the state. With CTP, there can also be big losses. Not all limits cover damage, and sometimes an insured event does not even occur.
It is necessary to carefully choose a company, provide all the necessary documents, increase the liability limit. Typically, a TCP or vehicle certificate is required. This deal will be expensive, but it will protect against problems with the traffic police, traffic police.
Health insurance
Insurance of legal entities involves medical protection of employees. VHI is necessary for prevention, treatment, care, rehabilitation.
Companies provide various VMI services. The most popular include:
- help at the clinic;
- home treatment and a doctor's call;
- dental treatment and prevention;
- therapist's help;
- surgeon examination;
- Ambulance;
- emergency help.
When concluding such an agreement, the company has the opportunity to save money, as well as protect workers from illness and injury. It is important for the customer to know:
- VHI is considered part of the social package.
- Tax base reduction.
- Personal income tax is not calculated with VMI.
Accidents
When concluding such an agreement, the customer protects employees from accidents during work, as well as during business trips. The insurance includes disability, death. An insured event occurs on causing damage to health, property.
Although insurance of individuals and legal entities is different, it has many of the same features. Companies protect their customers from various factors.
