Many people think that neither with them, nor with their property anything bad can not happen.But, says the proverb - man proposes and God disposes.And in the role of God in some cases, it acts by nature.Recently, our mild climate has become not quite moderate.That heatwave, the bitter cold.The cases of fires, floods, more often in our latitudes began to occur hurricanes and tornadoes even exotic.And for "completely happy" lacks only the tsunami.Yes, and a lot of accidents are now associated with the human factor.Starting with the fact that the neighbor did not close the valve on top of the water, and ending with arson and even terrorist attacks.And those times when a person in distress helped the union, state, colleagues or neighbors in the past.And now everyone is forced to take care of himself.
And there is no need to reinvent the wheel.You can simply contact the insurance company and get some assurance that at least the material damage be recoverable.A client of the insurance company can be both physical and legal persons.There are also various objects of property insurance.For example, entities insure buildings and facilities, technological equipment, engineering services, products, office equipment, office themselves and their decoration, and other objects.
And objects of personal insurance - the apartments, houses, villas, cottages, their interior decoration, the property in them and stuff.And to insure this property can be both accidental damage and total loss of his.And there are a number of risks, which could suffer from both private property and property of legal entities.There are, for example, fire risks.Here the objects of insurance may be affected by a fire, gas explosion, lightning strike or even a plane crash.Also, many insurance risks associated with natural disasters.The list includes earthquakes, avalanches, landslides and subsidence.There is also a list of natural disasters include the vortices, storms, hail, tornadoes, hurricanes and similar disasters.
Many insurance risk is also associated with the potential for accidents at different communications.Since the objects of insurance could be affected by the accident of heating, water, fire and sewer systems.More damage can result from water penetration from neighboring premises.There are a lot of insurance claims that are related to the gas pipeline explosion, steam boilers, apparatus and devices.And the loss of property caused by unlawful acts of third persons, also now happen very often.This is robbery, robbery or burglary.
Also, the role of insurance has increased significantly with the transition to a market economy.After all, earlier, when the administrative-command system of economic management, the company's management did not carry a great responsibility for their object, which was considered state property.However, market relations have changed this situation.Now the manufacturer does so at their own risk and on their own plans and he is responsible for everything.It significantly increases the role of insurance in the modern workplace.
So today, in addition to traditional objects, new objects of insurance.These are the risks associated with direct and indirect loss of profits.Direct losses - is, for example, receive less profits and losses associated with downtime.Yet these losses may be associated with short shipment of raw materials, components, losses from strikes and other objective reasons.But indirect losses include the bankruptcy of the company, lost profits and other causes.And now, with the help of insurance can protect their production from such losses.
Still today "fashionable" is liability insurance, which fall under various objects of insurance.For example, a visitor to the shop, restaurant or cafe slipped, fell and broke his limb in this institution.He may sue the owner in order to obtain financial compensation.And this kind of trouble can occur in any institutions.Individuals in everyday life, too, may unwittingly become the perpetrators of material losses for its neighbors.For example, the landlord can break the pipe or disrupt the faucet.And then the affected neighbors are entitled to demand compensation from him.And if these people have such a policy, then all the damage will be compensated by the insurance company.
