Legal entity property insurance contract sample. Property insurance contract (in favor of the insured person or legal entity)
Under contract property insurance one party (the insurer) undertakes for a contractual fee ( insurance premium) upon the occurrence of an event (insured event) provided for in the contract, reimburse the other party (the policyholder) or another person in favor of whom the contract was concluded (beneficiary) for losses caused as a result of this event in the insured property or losses in connection with other property interests of the policyholder (pay insurance compensation) within the amount specified in the contract (insurance amount).
The property can be insured under an insurance contract in favor of a person (policyholder or beneficiary) who has, based on the law, otherwise legal act or a contract of interest in the preservation of this property.
A property insurance contract entered into in the absence of the policyholder or beneficiary of interest in preserving the insured property is invalid.
A property insurance contract in favor of the beneficiary may be concluded without specifying the name or title of the beneficiary (insurance “at the expense of whom it follows”).
At the conclusion of such an agreement, the policyholder is issued a bearer insurance policy. When the policyholder or beneficiary exercises the rights under such an agreement, it is necessary to present this policy to the insurer.
Download standard samples of a property insurance contract you can follow the links below
Property insurance contract 2018 sample form download
Contract
property insurance
_______ "__" _______ 20___
_______________ (name of the insurance organization), license no. ______, hereinafter referred to as the "Insurer", represented by ________, (position, full name) acting on the basis of (charter, regulation) _________, on the one hand, and _________ (full name of a citizen, name of organization ), represented by __________ (position, full name), acting on the basis of _______ (charter, regulations, power of attorney), hereinafter referred to as the "Policyholder", on the other hand, have entered into this agreement on the following:
- Subject of the contract
1.1. According to this agreement, the Insurer undertakes, upon the occurrence of one of the insured events stipulated in the agreement, which entailed the loss, destruction, shortage or damage of the property specified in the agreement, hereinafter referred to as the "Insured property", to pay the person specified in the agreement and hereinafter referred to as the "Beneficiary" defined in the insurance indemnity contract within the amount specified in clause 1.2 (insured amount), and the Policyholder undertakes to pay the insurance premium in the amount of ___________ in the manner and within the time frames stipulated by the contract.
1.2. The object of insurance is the following Insured
property:_____________________________________
1.3. The Beneficiary is _________________.
- Rights and obligations of the parties
2.1. The following events are recognized as insured events under this contract:
a) fire (accidental occurrence and spread of fire on an object, inside an object or from one object to another), a lightning strike, a gas explosion;
b) landslide, landslide, storm, whirlwind, hurricane, hail, downpour, flood, tsunami, mudflow;
c) falling of flying objects or their debris and other objects;
d) explosion of boilers, fuel storages and fuel pipelines, machines, apparatus;
e) accidents in water supply, heating and sewerage systems;
f) collision, hitting, hitting, falling, overturning;
g) discharge of groundwater, subsidence and subsidence of soil, duration of rains and heavy snowfall, unusual for a given area;
h) penetration of water from neighboring foreign premises;
i) unintentional glass breakage;
j) burglary, robbery, robbery.
2.2. The events provided for in clause 2.1 of this agreement are not recognized as insured events if they occurred:
a) as a result of an intentional act (action or inaction) by the Insured or the Beneficiary, which led to the occurrence of an insured event;
b) as a result of management by the Insured or the Beneficiary vehicle in a state of alcoholic, drug or toxic intoxication or transfer of control to a person who is in a state of alcoholic, drug or toxic intoxication, or a person who does not have the right to drive this vehicle;
c) as a result of the impact of a nuclear explosion, radiation or radioactive contamination;
d) as a result of hostilities, as well as maneuvers or other military measures;
e) as a result of civil war, civil unrest or strikes.
2.3. In the event of an insured event that resulted in the loss, loss, shortage or damage of the insured property, the Insurer is obliged to pay the Beneficiary the insurance indemnity within _________ after receiving and drawing up all the necessary documents specified in this contract.
2.4. The insurance indemnity is paid in the amount of the part of the losses incurred by the Beneficiary, equal to the ratio of the sum insured to the insured value. Insurance indemnity cannot be more
insurance value. Losses mean real damage, that is, expenses that the Beneficiary has made or will have to make in order to acquire or restore the lost, perished or damaged insured property.
2.5. In the event of the death of the Beneficiary (if the Beneficiary - individual), who did not manage to receive the insurance indemnity due to him, the payment is made to his heirs.
2.6. The insurer is obliged to issue an insurance policy to the Insured and the Beneficiary within ______ days from the date of the conclusion of the contract.
2.7. In case of loss during the term of this agreement insurance policy the persons specified in clause 2.6, on the basis of a written application, are issued a duplicate of the policy. After issuing a duplicate, the lost policy is considered invalid, and insurance payments are not made on it. In case of repeated loss of the policy during the validity of the contract, the persons specified in clause 2.6 shall pay the Insurer a sum of money in the amount of the cost of making the policy.
2.8. The insurance premium is paid by the Insured in installments in the order of ______ (cash, non-cash) calculation. The bonus is paid monthly no later than _____ day of each month within ___ months in equal installments of __________. The policyholder may, at any time, pay the entire remainder of the premium, or deposit monies against subsequent periods of premium payment.
2.9. If the insured event occurred before payment of the next insurance premium, the payment of which is overdue, the Insurer has the right to deduct from the due payments the amount of the overdue insurance premium, the penalty and interest for the delay established by cl. 4.3 and 4.4 of this agreement.
2.10. The Policyholder has the right to receive information from the Insurer regarding its financial stability and is not a trade secret.
2.11. The Policyholder and the Beneficiary are obliged to immediately notify the Insurer of circumstances that have become known to them that change the degree of risk of an insured event (change
the owner of the property as a result of alienation, lease, storage, pledge, relocation, refurbishment, etc.).
2.12. The Policyholder and the Beneficiary, within _______ after they became or should have become aware of the occurrence of the insured event, are obliged to notify the Insurer of its occurrence.
2.13. Failure to fulfill the obligation provided for in clause 2.12 of this agreement gives the Insurer the right to refuse to pay the relevant part insurance compensation if the Insurer did not know and should not have known about the occurrence of the insured event and the lack of information from the Insurer did not allow him to take real measures to reduce losses.
2.14. The Policyholder and the Beneficiary are obliged to comply with the established rules for the operation of the insured property and ensure its safety.
2.15. In the event of an insured event, the Insured and the Beneficiary are obliged to take reasonable and available measures in the current circumstances to reduce possible losses, including informing the competent authorities (police, state supervision, emergency services, etc.) about insured events. In taking such measures, the Policyholder and the Beneficiary must follow the instructions of the Insurer, if communicated to them.
2.16. The Insurer is exempted from paying the insurance indemnity in whole or in part if the indemnified losses have arisen due to the fact that the Insured or the Beneficiary deliberately did not take reasonable and available measures provided for in cl. 2.14 and 2.15 to reduce potential damage.
2.17. The expenses provided for in clause 2.15 in order to reduce losses, necessary or incurred to fulfill the instructions of the Insurer, must be reimbursed by the Insurer in proportion to the ratio of the insured amount to the insured value, regardless of the fact that, together with compensation for other losses, they may exceed the insured amount. Such costs will be reimbursed even if the measures are unsuccessful.
2.18. The Insurer who has paid the insurance indemnity shall transfer, within the limits of the amount paid, the right of claim that the Insured or the Beneficiary has against the person responsible for the losses reimbursed by the Insurer.
2.19. The Policyholder and the Beneficiary are obliged to transfer to the Insurer all documents and other evidence and provide him with all the information necessary for the Insurer to exercise the right of claim against the person liable for losses.
2.20. If the Policyholder or the Beneficiary exercised their right to claim against the person responsible for the losses reimbursed by the Insurer, waived this right or the exercise of this right became impossible due to the fault of the Policyholder or the Beneficiary, the Insurer is released from payment of insurance indemnity in full or in the relevant part and has the right to demand a refund unnecessarily compensation paid.
2.21. The Beneficiary and his heirs have the right to present the same requirements to the Insurer as the Policyholder.
2.22. Upon presentation by the Beneficiary, as well as (if the Beneficiary is an individual) by his heirs, claims for the payment of insurance compensation, the Insurer has the right to demand from them to fulfill the obligations under the contract that lie with the Insured, but have not been fulfilled by him. The risk of consequences of non-fulfillment or untimely fulfillment of obligations shall be borne by the Beneficiary or his heirs. The Insurer is not entitled to force the Beneficiary or his heirs to fulfill the specified obligations of the Insured.
- Terms of payment of the sum insured
3.1. Upon the occurrence of an insured event provided for in clause 2.1, the Beneficiary shall submit:
b) an application for the payment of insurance compensation;
c) identity document;
d) a document confirming the occurrence of an insured event, or its certified copy;
e) a document confirming the interest of the Beneficiary in preserving the insured property.
3.2. In the event that the insurance payment is made to the heirs of the Beneficiary, the heirs represent:
b) identity documents;
c) a document confirming the occurrence of the insured event, or its certified copy;
d) certificate of the registry office or its certified copy of the death of the Beneficiary;
e) a document confirming the interest of the Beneficiary in preserving the insured property;
f) documents certifying the entry into inheritance rights.
3.3. The insurance claim is paid after drawing up the insurance certificate. The insurance act is drawn up by the Insurer or a person authorized by him. If necessary, the Insurer requests information regarding the insured event from the competent authorities, and also has the right to independently find out the reasons and circumstances of the insured event. The insurance act must be drawn up no later than ___ after the submission by the Beneficiary or his heirs of the documents provided for in paragraphs. 3.1 and 3.2 of this agreement.
3.4. In the event that a criminal case, civil proceedings or proceedings for the imposition of administrative penalties are initiated upon the occurrence of an insured event, the Insurer has the right to postpone the decision on the payment of the amounts due until the relevant decision is made by the competent authorities.
3.5. The Insurer has the right to check any information communicated to him by the Insured, the Beneficiary and their heirs, as well as information that has become known to the Insurer, which is related to this contract. The Policyholder, the Beneficiary and their heirs are obliged to give the Insurer the opportunity to check information without hindrance and provide all Required documents and other evidence.
3.6. The Insured, the Beneficiary and their heirs are obliged to preserve the damaged property, if this does not contradict the interests of safety and public order, until it is examined by a representative of the Insurer in the form in which it appeared after the insured event.
3.7. In case of violation by the Insured, the Beneficiary and their heirs of the obligations provided for in cl. 3.5 and 3.6 of this agreement, the information provided by them is considered to be untrue, and the information they refuse to report is considered to be true.
- Responsibility of the parties
4.1. A party that has not fulfilled or improperly fulfilled its obligations under this agreement is obliged to compensate the other party for the losses caused by such failure.
4.2. For the delay in payment of the insurance indemnity, the Insurer shall pay to the recipient of the insurance indemnity a penalty in the amount of ___% of the insurance indemnity for each day of delay.
4.3. For the delay in making the next insurance premium, the Policyholder shall pay the Insurer a penalty in the amount of ___% of the amount of the unpaid insurance premium for each day of delay.
4.4. Party for non-payment or late payment sums of money owed to the other party under this agreement must pay the other party interest in the amount of ____% of the amount due for each day of delay.
4.5. The collection of penalties and interest does not relieve the party that violated the contract from fulfilling obligations in kind.
4.6. In cases not provided for by this agreement, property liability is determined in accordance with the current legislation of the Russian Federation and the Insurance Rules.
- Change of contract
5.1. The Policyholder has the right to replace the Beneficiary with another person. The Policyholder is obliged to notify the Insurer about the replacement of the Beneficiary. The Beneficiary cannot be replaced by another person after he has fulfilled any of the obligations under this contract or has presented the Insurer with a claim for payment of the sum insured in accordance with clause 2.21 of the contract.
5.2. In the event of reorganization of the Insured (if the Insured is a legal entity), his rights and obligations under this agreement may be transferred to his legal successor only with the written consent of the Insurer.
5.3. When the rights to the insured property are transferred from the Beneficiary to another person, the rights and obligations of the Beneficiary under this agreement are transferred to the person to whom the rights to the property were transferred, subject to written notification by this person of the Insurer within ____ from the moment of transfer of rights, except for the case provided for in clause 7.5 of this agreement.
5.4. The Policyholder, in agreement with the Insurer, has the right to increase the amount of the insured amount. In this case, an additional insurance premium is payable in the amount and in the manner prescribed by the agreement of the parties.
5.5. The Policyholder, in agreement with the Insurer, has the right to reduce the amount of the insured amount. In this case, the overpaid part of the insurance premium is subject to refund to the Policyholder in proportion to the decrease. If the insurance premium in the new amount has not been paid in full, then the parties make changes to the contract regarding the procedure for payment and the size of regular contributions.
5.6. The insurer, notified of the circumstances specified in clause 2.11 of this contract, has the right to demand changes to the terms of the contract, including the payment of an additional insurance premium commensurate with the increase in the risk of an insured event in accordance with the Insurance Rules. The insurer does not have the right to demand a change in the contract if the circumstances specified in clause 2.11 of the contract have already disappeared.
5.7. This agreement can also be amended by written agreement of the parties, and in addition, in other cases provided by law.
5.8. If the Beneficiary or his heirs have made claims against the Insurer, this agreement cannot be changed without the written consent of the persons who made the claims.
- Contract time
6.1. This agreement is concluded for a period of ______ and comes into force from the moment of signing.
- Termination of the contract
7.1. The insurance contract is terminated if the parties fulfill their obligations under the contract in full. The expiration of the agreement does not terminate the obligations of the party if it has not fulfilled them during the term of the agreement.
7.2. Obligations under the agreement are terminated early in the cases provided for in clause 2.2 of this agreement.
7.3. Obligations under the contract terminate early in the event of the death of the Policyholder (if the Policyholder is an individual), liquidation of the Policyholder (if the Policyholder is a legal entity) prior to the occurrence of the insured event.
7.4. Obligations under the contract are terminated early in the event of reorganization of the Policyholder (if Insured - legal person), if the Insurer has not consented to the transfer of the rights and obligations of the Insured under this agreement to the legal successor of the Insured.
7.5. Obligations under this agreement terminate in the event of the forced seizure of the insured property, when the possibility of such seizure is provided for in the law, or in the event of the Beneficiary's refusal of ownership of the insured property.
7.6. Obligations under the contract terminate ahead of schedule in the event of the loss of the insured property for reasons other than the occurrence of an insured event.
7.7. The Policyholder or the Beneficiary has the right to terminate the contract ahead of schedule with obligatory written notification of the Insurer no later than ____ days before the date of the proposed termination.
7.8. The Insurer has the right to terminate the contract with the written consent of the Policyholder, notifying the Policyholder in writing not later than ____ days before the date of the proposed termination.
7.9. The insurer has the right to early terminate the contract in case of non-payment by the Insured of the next installment of the insurance premium within ______ after a written warning of the Insured.
7.10. The insurer has the right to terminate the contract ahead of schedule if the Insured, the Beneficiary or their heirs participate in a completed or unfinished offense aimed at causing losses in the insured property.
7.11. If the Insured or the Beneficiary fails to fulfill the obligation provided for in clause 2.11, as well as if the Insured objects to changing the contract in the case provided for in clause 5.6, the Insurer has the right to terminate the contract by notifying the Insured about it. The insurer does not have the right to demand termination of the contract if the circumstances provided for in clause 2.11 have ceased to exist before the occurrence of the insured event.
7.12. In case of early termination of the contract, the premium paid to the Insurer shall not be refunded to the person who paid it.
7.13. In cases of early termination of the agreement for the reasons specified in sub. "A" and "b" of clause 2.2 of this agreement, as well as in the cases provided for in clauses 7.10 and 7.11 of the contract, the Policyholder shall pay the Insurer the costs incurred by the latter when drawing up an insurance act or when clarifying the circumstances provided for in the specified paragraphs.
7.14. Obligations under this agreement terminate in other cases provided by law.
7.15. If the Beneficiary or his heirs have made claims against the Insurer, this agreement cannot be terminated without the written consent of the persons who made the claims, with the exception of
cases where the termination of the contract is caused by illegal actions of the named persons.
7.16. Termination of the agreement does not release the parties from liability for violation of it.
- Confidentiality
8.1. The terms of this contract, additional agreements to it and other information received by the Insurer in accordance with the contract are confidential and not subject to disclosure.
- Dispute Resolution
9.1. All disputes and disagreements that may arise between the parties on issues that have not been resolved in the text of this agreement will be resolved through negotiations on the basis of the current
legislation.
9.2. In case of non-settlement of controversial issues in the negotiation process, disputes are resolved in court in the manner prescribed by the current legislation.
- Additional terms and final clauses
10.1. Additional conditions under this agreement: ______________
10.2. Any changes and additions to this agreement are valid, provided that they are made in writing and signed by the parties or duly authorized thereto
representatives of the parties.
10.3. All notices and communications must be in writing.
10.4. In everything else that is not provided for by this agreement, the parties are guided by the current legislation and the Insurance Rules, on the basis of which the agreement was concluded. The insurance rules are handed over by the Insurer to the Policyholder and the Beneficiary, about which a note is made in the contract, certified by the signatures of these persons.
BIC: ____________________
Beneficiary
Legal address:________________________________
Mailing address:_______________________________
TIN / KPP: ______________________________
Phone fax:____________________
Payment account:______________________________
Name of the bank:______________________________
Correspondent account:______________________________
The form of the document "Property insurance contract (Document Golovanov N.M.)" refers to the heading "Property, health, liability insurance". Save the link to the document in in social networks or download it to your computer.
property insurance
____________ "___" ___________
___________________________________________________________________,
(name of company)
"___" _____________ year, hereinafter referred to as the "Insurer", having __
license N ____ dated "___" _________ _____, issued by _________________
(name of the body)
represented by _______________________________________, acting on the basis of
(position, full name)
________________________________________________________________________,
on the one hand, and ____________________________________________________,
________________________________________________________________________,
(name of company)
located__ at the address: ________________________________________________,
registered__ _______________________________________________________
(name of the registering authority)
"___" ______________ for N ___________, Certificate N __________ dated
"___" __________, hereinafter referred to as the "Policyholder", represented by
Acting on the basis
(position, full name)
________________________________________________________________________,
(charter, regulations, power of attorney)
on the other hand (hereinafter, the parties to the agreement are also referred to as
"Parties" and "Party"), have entered into this agreement ("Agreement") on
as follows:
1. The Subject of the Agreement
The subject of the Agreement is the insurance of the property of the Insured,
listed in Appendix No. 1 to this Agreement. Insurance
carried out in accordance with the "Property Insurance Rules
_______________________________________________________________________",
(name of the Insurer)
hereinafter referred to as the "Insurance Rules". Property subject to insurance
located in the _____________________________ of the Insured, used in
(property, possession)
accordance with its intended purpose and located at: _________
2. Insurance liability
2.1. The insurer, in accordance with this Agreement and the Rules
insurance, bears insurance liability upon the occurrence of the following
insured events:
Fire, explosion, flooding, theft, natural disasters,
illegal actions of third parties, including actions of employees
(personnel) of the Insured, at which there is an exit of more than ____%
property out of order as a result of unintentional violation by personnel
Of the insured's instructions for use (based on the drawn up act
investigation of the circumstances of the incident by the Insured's commission and
Insurer).
2.2. The Insurer is liable under the Insurance Contract in
the amount of direct actual damage, but not higher than specified in clause ____
of this Agreement of the sum insured.
2.3. In case of payment of insurance indemnity, the Insurer continues
bear insurance liability under the Agreement until the end of its validity period in
the limits of the difference between the insured amount due to this
The contract, and the amount of insurance payments made.
2.4. This Agreement establishes maximum size
damage, which is covered by the Insured himself and amounts to: ___% of
insured amount.
Losses are subject to compensation by the Insurer only in case of exceeding
of this amount.
3. Obligations of the parties
3.1. The policyholder is obliged:
Pay the insurance premium to the Insurer in the amount and according to the procedure,
provided for by this Agreement;
When concluding the Contract, inform the Insurer of all required
him information describing the circumstances necessary to assess
insurance risks;
Notify the Insurer of all prisoners or prisoners
insurance contracts in relation to this insurance object;
Take all precautions to prevent
damage and / or increased risk;
Observe instructions for storage, operation, maintenance
object of insurance, as well as use this object only on a direct basis
appointment;
When the conditions affecting the degree of risk change, in ____ day
term in writing to notify the Insurer about it on the subject
termination or renewal of this Agreement;
Immediately inform the Insurer of the whereabouts
lost insured property, if the latter is found.
3.2. In the event of an insured event, the Policyholder is obliged to:
Take reasonable and affordable steps under the circumstances
to reduce potential losses;
Immediately after receiving information about the damage that has occurred
due to an insured event, notify the competent authorities (security authorities
law enforcement, fire department and others) and during ___
working days to notify the Insurer about it;
Submit a written application for the payment of insurance indemnity from
an indication of the circumstances of the insured event, the amount of damage and the amount
insurance compensation;
Provide the Insurer with all the necessary information about the occurrence
damage, as well as documents to establish (confirm) the fact
insured event and determination of the amount of damage;
in the form in which it appeared after the insured event. The change
loss pictures can be produced in case it is dictated
for reasons of safety or mitigation of damage;
Provide the Insurer with the opportunity to inspect or
examination of the insured property, investigation of the reasons
and the size of the loss.
3.3. The insurer is not liable in the event of failure to comply
The policyholder of any of the obligations listed in clause 3.2
Of the contract.
3.4. The insurer after receiving the application for the payment of the insurance
reimbursement is obliged:
Provide an inspection of the insurance object, for which within _____
working days, excluding weekends and holidays, send your
a representative to the place and at the time agreed with the Insured;
Together with the Insured, draw up an act on the insured event in
within _______ days after receiving the Policyholder's application;
Make a calculation of damage and determine the amount of insurance
reimbursement;
If necessary, send a request to the competent authorities about
submission of relevant documents and information confirming
the fact and reason for the occurrence of the insured event. In case competent
the authorities have materials that give reason to the Insurer to refuse to
payment of insurance indemnity, the Insurer has the right to defer payment
until all the circumstances are clarified;
Make payment of insurance compensation or reasonably refuse
4. Payment of insurance indemnity
4.1. Losses are determined by the Insurer based on the sum insured and
the degree of damage to property in accordance with the Insurance Rules.
4.2. The Insurer pays insurance indemnity to the Policyholder or
refuses to pay it out on the basis of the Insurance Rules.
4.3. Insurance indemnity payments are made within ___ days
after receiving a written application from the Insured, drawn up by an expert
Insurer's act and receipt of documents from the competent authorities on the reason
insured event.
The day of payment is the day the money is debited from the current account
Insurer.
4.4. The insurance indemnity is not paid due to intentional
actions of the Insured's employees aimed at the onset of insurance
5. Settlement procedure
5.1. Basic information about the property is indicated in the table - Appendix
No. 2 to this Agreement.
5.2. The cost of the property is ________________________ rubles.
5.3. General sum insured under the Agreement is ______________
5.4. The insurance rate under this Agreement is ______% of
insured amount.
5.5. The total insurance premium under the contract is _____________
5.6. The policyholder pays the insurance premium by
cashless settlement until ______ year.
6. Duration of the contract
6.1. Insurance liability under this Agreement arises from
the date of payment of the insurance premium or the first part of it and is valid for
________________________________________________________________________.
6.2. In ______ days from the date of payment of the contribution or its first
parts on cashless payments The Insurer issues a policy to the Policyholder,
certifying the entry into force of this Agreement.
6.3. In case of loss of the policy, the Insurer, on the basis of a written
of the Policyholder's application, he issues a duplicate of the policy, after which the lost
the policy is considered invalid and no payments are made on it.
6.4. The procedure for the termination of this Agreement (including
including early), the rights and obligations of the Parties not mentioned in this
The contract is determined by the Insurance Rules.
7. Procedure for resolving disputes
Disputes that the Parties may have under this Agreement,
are allowed in accordance with the Insurance Rules and requirements
8. Special conditions
____________________________________________________________________
________________________________________________________________________.
9.1. All changes and additions to this Agreement are made in
the form of additional agreements in writing signed
authorized persons. Additional agreements are integral
part of the Agreement.
9.2. This Agreement is made in two copies, having
equal legal force; one copy for each of the Parties.
The signing of this Agreement by the Insured means that he is familiar with
and agree with the Insurance Rules.
9.3. In case of change legal address, current account or
servicing bank The parties are obliged to notify about this within ____ day
each other.
10. Addresses and Bank details parties
Insurer:
Policyholder:
Postal address and postal code: ___________________________________________
Phone __________, TTY _________________, fax _______________
Current account N _________ in the bank _________________________________
Correspondent account: _______________________, BIK _______________
TIN _______________________________________________________________.
Attached to this Agreement:
Appendix N 1 ____________________________________________________;
Appendix N 2 ____________________________________________________.
Signatures of the parties:
Insurer: __________________________________________________ M.P.
Policyholder: ________________________________________________ M.P.
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Document information:
Attached file:
__________________ “___” __________________ 200 __
Citizen ___________________________________________________, hereinafter referred to as the "Policyholder", residing at the address: _______________________________________, on the one hand, and ______________________________________________, hereinafter referred to as the "Insurer", operating on the basis of a license ¹ __________________ _________________ issued by ___________________________________________________________, represented by _______________________________________________________, acting on the basis of ______________________________________________, on the other hand, hereinafter referred to as the “Parties”, have entered into this agreement as follows.
1. The Subject of the Agreement
1.1. The Insurer undertakes, for the payment (insurance premium) stipulated in this agreement, upon the occurrence of the event (insured event) specified in clause 1.3, to reimburse the Insured for the losses caused as a result of this event caused by the loss (shortage or damage) of the property specified in clause 1.2 of this agreement , The Policyholder within the amount specified in the contract (insured amount).
1.2. The following property is subject to insurance under this contract:
___________________________________________________________________________________
___________________________________________________________________________________.
1.2.1. The cost of the insured property is: _____________ rubles.
1.2.2. The indicated value of the property was determined on the basis of the inspection of the insured property carried out by the Insurer.
The property appraisal act is an appendix to this agreement.
1.3. An insured event for the purposes of this contract is the loss (shortage or damage) of property as a result of:
floods;
lightning strike;
earthquakes;
accidents in the power supply system;
other natural disaster.
1.4. The policyholder hereby certifies that:
he informed the Insurer of all circumstances known to him at the time of the conclusion of this contract, which are essential for determining the probability of the occurrence of an insured event and the amount of possible losses from its occurrence ( insurance risk);
the Insured does not have other similar insurance contracts for the property specified in clause 1.2.
1.5. The amount of insurance compensation is set in the amount of the insurance value of the property specified in clause 1.2.1.
2. Rights and Obligations of the parties
2.1. Policyholder:
2.1.1. Within ____________ from the date of the conclusion of this agreement, it is obliged to pay to the Insurer's account 100% of the insurance premium, amounting to ___________________________ rubles.
2.1.2. Is obliged to take all measures for the safety of the insured property.
2.1.3. During the period of validity of the contract, he is obliged to immediately inform the Insurer of significant changes that have become known to him in the circumstances communicated to the Insurer when concluding the contract, if these changes can significantly affect the increase in the insured risk.
2.1.4. He is obliged, within 24 hours after he became aware of the occurrence of an insured event, to immediately notify the Insurer or his representative about its occurrence.
The notification can be made in any way available to the Policyholder.
2.1.5. In the event of an insured event, the Policyholder is obliged to take reasonable and available measures in the current circumstances to reduce possible losses.
2.1.6. Has the right to renegotiate this contract in the event of an increase in the insured value of the property.
2.2. Insurer:
2.2.1. Undertakes to pay insurance indemnity to the Insured within __________________
_________________ from the moment of receipt from the Policyholder of the notification of the occurrence of the insured event.
2.2.2. Within ________________________ from the moment of receipt from the Policyholder of an application for an increase in the insured value of the property, renegotiate this agreement, taking into account the changed circumstances.
2.2.3. Simultaneously with the payment to the Insured of the sum insured, it reimburses the expenses incurred by the Insured in the event of an insured event in order to reduce losses.
2.2.4. In the event of an increase in the insured risk, the Insurer has the right to demand from the Insured to amend the terms of this contract or to pay an additional insurance premium commensurate with the increase in the insured risk.
2.3. The insurer is released from payment of insurance indemnity if the insured event occurred due to:
intent of the Insured;
exposure to a nuclear explosion, radiation or radioactive contamination;
military action, as well as maneuvers or other military activities;
civil war, civil unrest of all kinds or strikes;
seizure, confiscation, requisition, seizure or destruction of the insured property by order of state authorities.
2.5. The Insurer is not entitled to disclose information about the Insured received by him as a result of his professional activities.
H. Grounds for termination of the contract
3.1. This contract shall be terminated if, after its entry into force, the possibility of the occurrence of an insured event has disappeared and the existence of the insured risk has ceased due to circumstances other than the insured event, in particular - the loss of the insured property for reasons other than the occurrence of the insured event.
3.2. The policyholder has the right to withdraw from the contract at any time, if by the time of cancellation the possibility of the occurrence of an insured event has not disappeared due to the circumstances specified in clause 3.1.
3.3. If the Policyholder objects to the change in the terms of the insurance contract or the additional payment of the insurance premium due to the increase in the insurance risk, the Insurer has the right to demand termination of the contract.
3.3. If the Policyholder has not notified the Insurer of the increase in the insured risk, the Insurer has the right to demand termination of the contract and compensation for losses caused by termination of the contract.
3.4. Other grounds for termination and termination of this agreement are determined in accordance with applicable law.
4. Other conditions
4.1. This agreement is made in two copies - one for each Party.
4.2. All changes and additions to this agreement must be drawn up in writing and signed by the Parties.
4.3. This agreement comes into force from the moment it is signed by the Parties and continues to operate for ____________________________________________________.
4.4. The insurance provided for in this contract applies to insured events that occurred after the entry into force of the agreement.
4.5. The responsibility of the Parties under this agreement is determined in accordance with the current legislation.
5. Addresses and details of the Parties
In the work of enterprises and organizations of any profile, situations may arise related to damage or loss / loss of property belonging to them. Such cases not only cause unforeseen financial losses, but also pose a threat to the activity itself. Insurance of the company's property will help to avoid such consequences.
Insurance objects
The property interests of organizations of any form of ownership (state, private, public), concerning:
- buildings, dwellings;
- unfinished construction projects;
- equipment, machines;
- measuring devices;
- inventory (industrial, household);
- transport, computers and office equipment;
- products;
- furniture, interior items.
Insured events
Insurance contracts for the property of an enterprise are recognized as insurance events in which the insurance company is obliged to compensate for damage from the loss, shortage or damage of the insured object due to:
- fire and other uncontrolled combustion;
- explosion of gas appliances, steam boilers and similar systems;
- spontaneous (natural) phenomena, including a lightning strike;
- falling of flying devices, their elements;
- flooding with water from damaged water supply, sewerage, heating systems;
- theft;
- intentional behavior of other persons, providing for the destruction / damage of property.
The corporate property insurance rules do not provide for compensation for losses associated with:
- natural qualities of the insured object (corrosion, decay, spontaneous combustion);
- collapse of buildings, not during the insurance situation;
- theft / theft of an object during or after an insurance situation;
- damage to electrical installations due to their technical malfunctions or breakdowns in power supply systems;
- the impact of hostilities, strikes, radiation, nuclear explosion;
- premeditated behavior of the insured, beneficiary.
Damage assessment rules
The payment of compensation for losses does not include moral costs that may arise in the future as a result of damage to the loss.
For unfinished construction projects, the costs of labor and material resources that occurred at the time of registration of the transaction are compensated.
The cost of fixed assets is considered within the balance sheet estimate not exceeding the required replacement price at the time of the loss of the insurance item.
For objects of working capital, the damage is determined by the average market values and actual production prices. For products in production, a payment is provided that covers the cost of material, raw materials, labor costs according to average indicators.
Tariffs and insurance premiums
The premium or insurance fee that the client pays to the IC is determined by agreement between the parties to the transaction. When calculating its value, the company applies tariffs set taking into account the type of property, risk options, insurance amounts, the presence and value of the franchise, the period of the agreement and other factors.
The basic values of the tariffs set by the state are indicated below.
Basic tariff rate(% of the sum insured)
Risk name | Buildings and constructions | Equipment | Working capital | Raw materials |
Natural disasters | 0,1 — 0,2 | 0,1 — 0,5 | 0,1 — 0,5 | 0,2 |
Fire, explosion | 0,4 — 1 | 1-1,5 | 0,4 — 2 | 0,5 — 1 |
Failure of support and communication systems | 0,3 — 0,5 | 0,4 — 1 | 0,3 — 1,5 | 0,3 — 0,8 |
Illegal actions of other persons | 0,2 — 0,3 | 0,5 — 1 | 0,2 — 2,5 | 1 — 2 |
The IC has the right to apply a multiplying coefficient (1.1-3) to the basic indicators, depending on the degree of risk.
For packages of IC MasterPolis, the rate is related to the type of the object under consideration and is 0.1% -5.5% of its value. The company "Aktiv" offers a tariff of 0.15% for buildings and production equipment to 0.3% and higher for goods and inventory. IC Rosgosstrakh-Business provides premium rates (% of the insured amount) at the level of 0.08 for equipment, from 0.06 for buildings, from 0.1 for stocks of goods.
Property insurance industrial enterprises produced at the cost of replacement or residual. In the first option, insurance is derived from the amount of resources required to buy / build property similar to the lost one. In the second, the initial book value less accrued depreciation.
The residual price is lower than the replacement price, so in this case the premium is lower. Payments from the cost of restoration are more risky for the IC, therefore some restrictions are imposed on the insured property. After receiving compensation, the company must provide confirmation of the intended use of resources.
Requirements for the contract
The agreement must be concluded on the basis of a written application from the client and contain detailed information about the objects proposed for registration.
The client must notify insurance organization on material circumstances that may affect the change in the risk of the property accepted for insurance. Otherwise, there is a risk of further invalidation of the agreement.
The contract can be terminated if the fees are not paid within the approved time frame. A sample of the insurance contract for the property of the company is possible.
Insurance protection of the interests of enterprises related to the disposal, use, and ownership of its property, allows you to significantly reduce damage from any unforeseen situations and circumstances. Insurance payments serve as a guarantee of the speedy restoration of not only property, but also economic activity companies.