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The insurance system is based on the accumulation and subsequent payment of premiums, which correspond to insurance cases. Of course, if a person is worried about his values: health, life, property, etc. - he needs to resort to the services of insurers such as https://arx.com.ua/ru. Cases of insurance are different.
An insurance event is a complex of factors that indicate not only insurance against danger, but also against the accidental occurrence of adverse situations. Such cases have a certain three-dimensionality: 1. Danger, 2. Causing harm, 3. Interrelationship between them.
According to the agreed obligations, after the event insured in advance occurs, the insurer must compensate material damage. Payment is made from the fund that was created for accident insurance.
Insurance is a unique wall of protection for both ordinary people and business owners.
If a person wants to insure something, he needs to know what forms and risks of insurance exist. But in any case, you need to clearly define the object for insurance.
Forms of insurance for entrepreneurs
If a person is a representative of a legal entity, then it is possible to conclude many insurance options. Types are divided based on various specifications.
1. Property. It concerns all possessions of the subject, tangible and intangible.
2. Liability insurance. The object of the agreement is the responsibility of the enterprise and its personnel to third parties.
3. Personnel insurance is another type that determines the health issues of the company's employees.
4. Full insurance - must ensure the protection of the enterprise against any risks.
5. Partial insurance.
6. Property insurance – affects the protection of all tangible and intangible assets.
7. Credit risk insurance — is made to protect against non-payment by buyers, clients of the company.
8. Deposit risk insurance. Deposit instruments appear in it.
9. Investment risk insurance. Protects against problems related to investing.
10. Indirect risk insurance — is done for safety with a calculated profit.
11. Insurance of financial guarantees. Here we are talking about unreturned sums owed by someone.
Types of insurance for individuals
If a person does not represent a company during the insurance, is not its owner, then it is a natural, private person. There are several types of insurance for him. Here they are:
1. Personal.
2. Property.
3. Liability insurance.
Not subject to insurance!
In general, the laws indicate a list of risks that are not subject to insurance. This is:
1. Cases when problems occur due to illegal actions.
2. Problems with gambling.
3. Expenses if someone is forced to pay money for the release of hostages.
What are the risks?
The main risks are most often encountered: life, health, property, non-fulfillment of obligations, etc. In addition, there are so-called pure and speculative risks. They represent an opportunity to get a negative, bullet or positive result. There is also a percentage of problems related to economic activity.
It should be noted that insurance is a complex and sometimes curious area. Theoretically, you can insure anything. In the practice of insurance, there were cases when people received exotic insurances, for example, for abduction by alien civilizations and for the breakdown of a public elevator. Although, usually people insure something more significant and practical.
