Legal entities property insurance contract sample. Property insurance contract (in favor of the insured - individual or legal entity)
Under a property insurance contractone party (the insurer) is obliged to compensate the other party (the insured) or another person for whose benefit the contract is concluded (to the beneficiary) for the losses caused by the event upon the occurrence of the event (insured event) stipulated in the contract, and the losses caused to the insured by the event property or losses in connection with other property interests of the insured (to pay insurance compensation) within the limits of the amount determined by the contract (insurance amount).
Property may be insured under an insurance contract in favor of a person (policyholder or beneficiary) who has an interest in preserving this property, based on a law, other legal act or contract.
The property insurance contract concluded in the absence of the interest of the insured or the beneficiary in the preservation of the insured property is invalid.
A property insurance contract for the benefit of the beneficiary can be concluded without indicating the name or title of the beneficiary (insurance “at the expense of whom”).
When concluding such an agreement, the policyholder shall be provided with 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.
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Property insurance contract 2018 sample form download
Contract
property insurance
_______ "__" _______ 20___
_______________ (name of insurance company), 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 citizen, name of organization ), represented by __________ (position, full name), acting on the basis of _______ (charter, regulation, power of attorney), hereinafter referred to as the "Policyholder", on the other hand, have concluded this agreement as follows:
- Subject of the contract
1.1. According to this contract, the Insurer undertakes, upon the occurrence of one of the insured events stipulated in the contract, resulting in loss, death, shortage or damage of the property specified in the contract, hereinafter referred to as the "Insured Property", to pay to the person specified in the contract and hereinafter referred to as the Beneficiary, as defined in insurance indemnity within the amount specified in clause 1.2 (the insured amount), and the Policyholder undertakes to pay an insurance premium in the amount of ___________ in the manner and within the time stipulated by the agreement rum.
1.2. The object of insurance is the following.
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 an object to an object), a lightning strike, a gas explosion;
b) landslide, landslide, storm, whirlwind, hurricane, hail, downpour, flood, tsunami, mudflow;
c) the fall of flying objects or their fragments and other objects;
d) explosion of boilers, fuel storages and fuel pipelines, machines, apparatuses;
e) accidents of water, heating and sewer systems;
f) collision, collision, impact, fall, rollover;
g) the emergence of subsoil waters unusual for a given area, subsidence and subsidence, duration of rains and heavy snowfall;
h) the penetration of water from neighboring foreign premises;
i) unintentional glass breaking;
j) burglary, robbery, robbery.
2.2. Events provided for in clause 2.1 of this contract are not recognized as insured events if they occurred:
a) as a result of an intentional act (action or omission) committed by the Insured or the Beneficiary, which entailed the occurrence of the insured event;
b) as a result of driving the Insured or the Beneficiary by a vehicle in a state of alcoholic, narcotic or toxic intoxication or transferring control to a person who is in a state of alcoholic, narcotic or toxic intoxication, or to a person who does not have the right to drive this vehicle;
c) as a result of exposure to a nuclear explosion, radiation or radioactive infection;
d) as a result of military operations, as well as maneuvers or other military measures;
e) as a result of civil war, popular unrest or strikes.
2.3. In the event of an insured event resulting in the loss, loss, shortage or damage of the insured property, the Insurer shall be obligated to pay the Beneficiary insurance indemnity within _________ after receipt and preparation of all necessary documents specified in this contract.
2.4. The insurance indemnity shall be paid in the amount of part of the losses incurred by the Beneficiary equal to the ratio of the sum insured to the insured value. Insurance indemnity cannot be greater
insurance value. Losses are understood as real damage, that is, expenses that the Beneficiary incurred or will have to incur to acquire or restore the lost, deceased or damaged insured property.
2.5. In the event of the death of the Beneficiary (if the Beneficiary is an individual) who did not manage to receive the insurance indemnity due to him, payment shall be made to his heirs.
2.6. The Insurer is obliged to issue an insurance policy to the Policyholder and the Beneficiary within ______ days from the date of conclusion of the contract.
2.7. In case of loss of the insurance policy during the term of this contract, the persons specified in clause 2.6 shall, on the basis of a written application, issue 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 term of the contract, the persons specified in clause 2.6 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 by installments in the order of ______ (cash, non-cash) calculation. The bonus is paid monthly no later than _____ of each month for ___ months in equal installments of __________. The policyholder may at any time deposit the entire remaining portion of the premium or deposit monetary amounts in respect of subsequent periods of payment of the premium.
2.9. If the insured event occurs before the 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 paragraphs. 4.3 and 4.4 of this contract.
2.10. The Policyholder is entitled to receive information from the Insurer regarding its financial stability and which is not a commercial secret.
2.11. The Policyholder and the Beneficiary are obligated to immediately inform the Insurer of the circumstances that have become known to them, which change the degree of risk of an insured event (change
the owner of the property as a result of alienation, leasing, storage, pledge, change of location, re-equipment, etc.).
2.12. The Policyholder and the Beneficiary are required to notify the Insurer of its occurrence within _______ after it became or should have become known about the occurrence of the insured event.
2.13. Failure to fulfill the obligation stipulated by clause 2.12 of this agreement gives the Insurer the right to refuse to pay the corresponding part of the insurance indemnity 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 required to comply with the established rules for the operation of the insured property and ensure its safety.
2.15. Upon the occurrence of an insured event, the Policyholder and the Beneficiary are required to take reasonable and affordable measures in the circumstances to reduce possible losses, including reporting to the competent authorities (police, state supervision, emergency services, etc.) about insurance cases. Taking such measures, the Policyholder and the Beneficiary must follow the instructions of the Insurer, if they are communicated to them.
2.16. The Insurer shall be exempted from paying insurance indemnity in whole or in part if recoverable losses have arisen due to the fact that the Insured or the Beneficiary intentionally did not take reasonable and accessible measures provided for in paragraphs. 2.14 and 2.15 to reduce potential damage.
2.17. The expenses stipulated in clause 2.15 in order to reduce losses necessary or incurred to comply with the instructions of the Insurer must be reimbursed by the Insurer in proportion to the ratio of the sum insured to the insured value, regardless of the fact that, together with compensation for other losses, they may exceed the insured amount. Such expenses are reimbursed even if the relevant measures have been unsuccessful.
2.18. Within the limits of the paid amount, the Insurer who has paid the insurance indemnity transfers the right of claim that the Policyholder or the Beneficiary has to 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 give him all the information necessary for the Insurer to exercise the right to claim against the person responsible for the 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, renounced this right or the exercise of this right became impossible due to the fault of the Policyholder or the Beneficiary, the Insurer is exempted from paying the insurance indemnity in full or in the corresponding part and has the right to demand a return unnecessarily refunds paid.
2.21. The Beneficiary and its 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 of claims for insurance compensation, the Insurer shall have the right to demand from them the fulfillment of obligations under the contract that lie with the Policyholder 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 its heirs. The Insurer is not entitled to force the Beneficiary or its heirs to fulfill the specified obligations of the Insured.
- Insurance Amount Payment Terms
3.1. Upon the occurrence of an insured event provided for in clause 2.1, the Beneficiary shall submit:
b) an application for payment of insurance compensation;
c) an identity document;
d) a document confirming the occurrence of the insured event, or a certified copy thereof;
e) a document confirming the Beneficiary's interest in preserving the insured property.
3.2. In the case when the insurance payment is made to the heirs of the Beneficiary, the heirs shall represent:
b) identity documents;
c) a document confirming the occurrence of the insured event, or a certified copy thereof;
d) certificate of the registry office or its certified copy of the death of the Beneficiary;
e) a document confirming the Beneficiary's interest in preserving the insured property;
f) documents certifying entry into inheritance rights.
3.3. Insurance payment is carried out after drawing up the insurance act. The insurance act is drawn up by the Insurer or its authorized person. If necessary, the Insurer requests information regarding the insured event from the competent authorities, and also has the right to independently determine the causes and circumstances of the insured event. The insurance act must be drawn up no later than ___ after the submission by the Beneficiary or its heirs of the documents specified in clauses 3.1 and 3.2 of this contract.
3.4. In the event that a criminal case, civil proceeding or administrative penalty has been instituted upon the occurrence of an insured event, the Insurer has the right to defer the decision on the payment of the due amounts until the relevant decision is made by the competent authorities.
3.5. The Insurer has the right to check any information provided to him by the Insured, the Beneficiary and their heirs, as well as information that has become known to the Insurer that is relevant to this contract. The Policyholder, Beneficiary and their heirs are obliged to give the Insurer the opportunity to freely verify information and provide all necessary documents and other evidence.
3.6. The Policyholder, Beneficiary and their heirs are obliged to preserve the damaged property, if this does not contradict the interests of security and public order, until the Insurer's representative inspects it in the form in which it appeared after the insured event.
3.7. In case of violation by the Policyholder, Beneficiary and their heirs of the obligations provided for in cl. 3.5 and 3.6 of this agreement, the information they provide is considered not to be true, and the information that they refuse to communicate is considered true.
- Responsibility of the Parties
4.1. A party that has not fulfilled or improperly performed obligations under this agreement is obliged to compensate the other party for losses caused by such non-performance.
4.2. For the delay in the payment of insurance compensation, the Insurer shall pay the recipient of the insurance compensation a fine in the amount of ___% of the insurance compensation for each day of delay.
4.3. For the delay in making the next insurance premium, the Policyholder pays a fine to the Insurer in the amount of ___% of the amount of the outstanding insurance premium for each day of delay.
4.4. A party for non-payment or untimely payment of the amounts due 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. Collection of penalties and interest does not exempt the party that violated the contract from the performance of obligations in kind.
4.6. In cases not provided for by this contract, property liability is determined in accordance with the current legislation of the Russian Federation and the Insurance Rules.
- Contract amendment
5.1. The Policyholder has the right to replace the Beneficiary with another person. The Policyholder shall notify the Insurer in writing of 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 submitted to the Insurer a demand for payment of the insurance amount in accordance with clause 2.21 of the contract.
5.2. In the event of the reorganization of the Policyholder (if the Policyholder is a legal entity), his rights and obligations under this contract may be transferred to his assignee only with the written consent of the Insurer.
5.3. Upon transfer of the rights to the insured property from the Beneficiary to another person, the rights and obligations of the Beneficiary under this agreement shall be transferred to the person to whom the rights to the property have been transferred, provided that the Insurer has written notice to this person within ____ from the moment of transfer of rights, except as otherwise provided 7.5 of this contract.
5.4. The Policyholder, in agreement with the Insurer, has the right to increase the amount of the insurance amount. In this case, an additional insurance premium is payable in the amount and manner prescribed by agreement of the parties.
5.5. The Policyholder, in agreement with the Insurer, has the right to reduce the amount of the insurance amount. In this case, the Insured shall be refunded the excessively paid part of the insurance premium in proportion to the reduction. If the insurance premium in the new amount is not fully paid, then the parties make amendments to the contract regarding the payment procedure and the size of the next installments.
5.6. The insurer, notified of the circumstances specified in clause 2.11 of this contract, is entitled to demand a change in the terms of the contract, including the payment of an additional insurance premium in proportion to the increased 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 may also be amended by written agreement of the parties, and in addition, in other cases provided by law.
5.8. If the Beneficiary or its heirs submitted claims to the Insurer, this agreement cannot be amended without the written consent of the persons who submitted the claims.
- Contract time
6.1. This agreement is concluded for a period of ______ and shall enter into force upon signature.
- Contract expiration
7.1. The insurance contract is terminated if the parties fulfill their obligations under the contract in full. The expiration of the contract does not terminate the obligations of the party if it has not fulfilled them during the term of the contract.
7.2. Obligations under the contract are terminated ahead of schedule in the cases provided for in clause 2.2 of this contract.
7.3. Obligations under the contract are terminated ahead of schedule 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) before the insured event occurs.
7.4. Obligations under the contract are terminated ahead of schedule in case of reorganization of the Policyholder (if the Policyholder is a legal entity), if the Insurer has not agreed to transfer the rights and obligations of the Policyholder under this contract to the successor of the Policyholder.
7.5. Obligations under this agreement shall terminate in the event of a forced withdrawal of the insured property, when the possibility of such withdrawal is provided for in the law, or in the event the Beneficiary refuses ownership of the insured property.
7.6. Obligations under the contract are terminated ahead of schedule in the event of the death of the insured property for reasons other than the occurrence of the insured event.
7.7. The Policyholder or the Beneficiary has the right to terminate the contract ahead of schedule with the mandatory written notification of the Insurer no later than ____ days before the date of the proposed termination.
7.8. The Insurer is entitled to terminate the contract with the written consent of the Insured, notifying the Policyholder in writing no later than ____ days before the date of the proposed termination.
7.9. The Insurer is entitled to terminate the contract ahead of schedule in case of failure by the Policyholder to pay the next installment of the insurance premium within ______ after a written warning by the Policyholder.
7.10. The Insurer has the right to terminate the contract ahead of schedule in case of participation of the Policyholder, Beneficiary or their heirs in a completed or unfinished offense aimed at causing losses in the insured property.
7.11. If the Policyholder or the Beneficiary fails to fulfill the obligation stipulated in clause 2.11, as well as if the Policyholder objects to a change in the contract in the case provided for in clause 5.6, the Insurer has the right to terminate the contract by notifying the Policyholder. The insurer is not entitled to demand termination of the contract if the circumstances provided for in clause 2.11 have disappeared before the occurrence of the insured event.
7.12. In the event 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 contract for the reasons specified in sub. “A” and “b” clause 2.2 of this agreement, as well as in the cases provided for by clause 7.10 and 7.11 of the contract, the Policyholder pays to the Insurer the expenses incurred by the latter when drawing up the insurance act or when clarifying the circumstances provided for in the specified paragraphs.
7.14. Obligations under this contract are terminated in other cases provided by law.
7.15. If the Beneficiary or its heirs filed a claim against the Insurer, this agreement cannot be terminated without the written consent of the persons making the claim, with the exception of
cases when the termination of the contract is caused by unlawful actions of these persons.
7.16. Termination of the contract does not relieve the parties from liability for its violation.
- Confidentiality
8.1. The terms of this agreement, additional agreements thereto and other information received by the Insurer in accordance with the agreement 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 disputes during negotiations, disputes shall be resolved in court in the manner prescribed by applicable law.
- Additional terms and conditions
10.1. Additional terms of this agreement: ______________
10.2. Any changes and additions to this contract are valid, provided that they are made in writing and signed by the parties or duly authorized to do so
representatives of the parties.
10.3. All notifications and messages must be sent in writing.
10.4. In all other respects, which is not provided for by this contract, the parties are guided by the current legislation and the Insurance Rules, on the basis of which the contract is concluded. The insurance rules are handed over by the Insurer to the Insured and to the Beneficiary, about which a note is made in the contract, certified by the signatures of these persons.
BIC: ____________________
Beneficiary
Legal address:________________________________
Mailing address:_______________________________
INN / KPP: ______________________________
Phone fax:____________________
Payment account:______________________________
Name of the bank:______________________________
Correspondent account:______________________________
The form of the document “Property Insurance Contract (Document Golovanova N.M.)” refers to the heading “Property Insurance, Health, Liability Insurance Contract”. Save the link to the document on social networks or download it to your computer.
property insurance
____________ "___" ___________
___________________________________________________________________,
(name of company)
"___" _____________ years, hereinafter referred to __ hereinafter as the "Insurer", having__
license N ____ dated "___" _________ _____ years issued _________________
(name of authority)
represented by _______________________________________, acting on the basis of
(position, full name)
________________________________________________________________________,
on the one hand, and ____________________________________________________,
________________________________________________________________________,
(name of company)
located__ at: ________________________________________________,
registered _______________________________________________________
(name of registration authority)
"___" ______________ years for N ___________, Certificate N __________ dated
"___" __________ year, hereinafter referred to as __ the "Policyholder", represented by
Acting on the basis
(position, full name)
________________________________________________________________________,
(charter, regulation, power of attorney)
on the other hand (hereinafter the parties to the contract are also called
"Parties" and "Party") have entered into this agreement (the "Agreement") on
as follows:
1. The Subject of the Agreement
The subject of the Agreement is property insurance of the Insured,
listed in Appendix N 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 at _____________________________ of the Insured, used in
(ownership, possession)
in accordance with its intended purpose and is located at: _________
2. Insurance liability
2.1. The Insurer, in accordance with this Agreement and the Rules
insurance, bears insurance liability upon occurrence of the following
insured events:
Fire, explosion, water flood, theft, natural disasters,
unlawful actions of third parties, including actions of employees
(of the personnel) of the Insured, at which the exit is more than ____%
property damage as a result of unintentional violation by personnel
Policyholder's instructions for use (based on the act drawn up
investigation of the circumstances of the incident by the Commission of the Insured 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 paragraph ____
of this Sum Insured Contract.
2.3. In case of payment of insurance compensation, the Insurer continues
bear insurance liability under the Agreement until the end of its validity in
limits of the difference between the sum insured stipulated by this
The contract, and the amount of insurance payments made.
2.4. Under this Agreement, the maximum amount is established
damage that is covered by the Insured and amounts to: ___% of
insurance amount.
Losses shall be reimbursed by the Insurer only in case of excess
this amount.
3. Obligations of the parties
3.1. The policyholder is required to:
To pay the Insurer an insurance premium in the amount and manner
provided for by this Agreement;
Upon conclusion of the Contract, inform the Insurer of all that is required from
him information characterizing the circumstances necessary for assessment
insurance risks;
Inform 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;
Follow instructions for storage, operation, maintenance
object of insurance, and also use this object only directly
appointment;
When conditions affecting the degree of risk change, in ____ day
to inform the Insurer in writing about the subject
termination or renewal of this Agreement;
Immediately inform the Insurer of the location
lost insured property, if the latter is found.
3.2. Upon the occurrence of an insured event, the Policyholder shall:
Take reasonable and reasonable measures in the circumstances.
to reduce potential losses;
Immediately after receiving information about the damage
as a result of an insured event, notify the competent authorities (security authorities
law and order, fire department and others) and during ___
working days to notify the Insurer;
Submit a written application for insurance compensation with
indicating the circumstances of the insured event, the amount of damage and the amount
insurance compensation;
Provide the Insurer with all necessary information about the incident
damage, as well as documents for establishing (confirming) a fact
insured event and determining the amount of damage;
in the form in which it turned out after the insured event. Change
loss patterns may be incurred if dictated
safety considerations or reduction of damage;
Provide the Insurer with the opportunity to inspect or
inspection of the insured property, investigation into the reasons
and the amount of loss.
3.3. The insurer is not liable in case of failure
The policyholder of any of the obligations listed in clause 3.2.
Of the contract.
3.4. The insurer after receiving an application for payment of insurance
compensation is required:
Provide inspection of the insurance object, for which, during _____
working days, excluding weekends and holidays, send your
representative to the place and at the time agreed with the Policyholder;
Together with the Policyholder draw up an act on the insured event in
within _______ days after receiving the application of the Insured;
Make a calculation of damage and determine the amount of insurance
refunds;
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
authorities have materials that give reason to the Insurer to refuse
payment of insurance compensation, the Insurer has the right to defer payment
until all circumstances are clarified;
To pay insurance compensation or reasonably refuse
4. Payment of insurance compensation
4.1. Losses are determined by the Insurer based on the sum insured and
damage to property in accordance with the Insurance Rules.
4.2. The Insurer pays to the Policyholder an insurance indemnity or
refuses to pay it on the basis of the Insurance Rules.
4.3. Insurance indemnity payments are made within ___ days
after receiving a written application of the Insured, drawing up by an expert
The insurer of the act and receipt of documents from the competent authorities about the reason
insured event.
The payout day is the day the money is debited from the current account
The insurer.
4.4. Insurance indemnity is not paid due to intentional
actions of the Insured employees aimed at the occurrence of insurance
5. Settlement procedure
5.1. Basic information about the property is indicated in the table - Appendix
N 2 to this Agreement.
5.2. The value of the property is ________________________ rubles.
5.3. The total insurance amount under the Contract is ______________
5.4. The insurance rate under this Agreement is ______% of
insurance amount.
5.5. The total insurance premium under the contract is _____________
5.6. The policyholder pays the insurance premium through
cashless payments up to ______ year.
6. Duration of the contract
6.1. Insurance liability under this Agreement occurs with
the date of payment of the insurance premium or its first part and is valid for
________________________________________________________________________.
6.2. In ______ days from the date of payment of the contribution or its first
parts by bank transfer The Insurer issues the Policyholder 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
the application of the Policyholder issues a duplicate of the policy, after which the lost
the policy is considered invalid and no payments are made.
6.4. The termination of this Agreement (including
early), rights and obligations of the Parties not mentioned in this
The contract is determined by the Insurance Rules.
7. Dispute Resolution Procedure
Disputes that may arise with the Parties to this Agreement
are permitted in accordance with the Insurance Rules and requirements
current legislation.
8. Special conditions
____________________________________________________________________
________________________________________________________________________.
9. Final Provisions
9.1. All changes and additions to this Agreement are made out
in the form of additional written agreements signed
authorized persons. Additional agreements are integral
part of the contract.
9.2. This Agreement is made in duplicate, having
equal legal force; one copy for each of the Parties.
The signing of this Agreement by the Policyholder means that he is familiar with
and agree to the Insurance Rules.
9.3. In case of change of legal address, current account or
of the servicing bank, the Parties are obliged to notify about this within ____ days
each other.
10. Addresses and bank details of the parties
Insurer:
Policyholder:
Postal address and postal code: ___________________________________________
Phone __________, teletype _________________, fax _______________
Bank account N _________ at the bank _________________________________
Correspondent account: _______________________, BIC _______________
TIN _______________________________________________________________.
The following are 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: _______________________________________, on the one hand, and ______________________________________________, hereinafter referred to as the "Insurer", operating under the license основании __________________ _________________ issued by ___________________________________________________________, on behalf of _______________________________________________________, 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 shall, for the payment specified in this contract (insurance premium) upon the occurrence of the event (insured event) specified in clause 1.3, compensate the Policyholder for losses caused by this event caused by the loss (shortage or damage) of the property specified in clause 1.2 of this contract , Of the Insured within the limits of the amount determined by the contract (insurance amount).
1.2. The following property is subject to insurance under this contract:
___________________________________________________________________________________
___________________________________________________________________________________.
1.2.1. The value of the insured property is: _____________ rubles.
1.2.2. The indicated value of the property is determined on the basis of the inspection of the insured property made by the Insurer.
The property valuation act is an appendix to this contract.
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 conclusion of this contract that are essential for determining the probability of an insured event and the size of possible losses from its occurrence (insurance risk);
the Policyholder 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 moment of conclusion of this contract, it is obligated to deposit 100% of the insurance premium to the account of the Insurer, which is ___________________________ rubles.
2.1.2. He is obliged to take all measures for the safety of the insured property.
2.1.3. During the term of the contract, he is obliged to immediately inform the Insurer of any significant changes that became known to him in the circumstances communicated to the Insurer upon conclusion of the contract, if these changes can significantly affect the increase in insurance risk.
2.1.4. It is obliged, within 24 hours after he became aware of the occurrence of an insured event, to immediately notify the Insurer or his representative of his occurrence.
Notification may be made by any means available to the Policyholder.
2.1.5. Upon the occurrence of an insured event, the Policyholder is obliged to take reasonable and accessible in the circumstances circumstances to reduce possible losses.
2.1.6. The right to renegotiate this contract in case of an increase in the insured value of property.
2.2. Insurer:
2.2.1. Undertakes to pay the Insured the insurance indemnity within __________________
_________________ from the moment of receipt from the Insured of the notification of the occurrence of the insured event.
2.2.2. Within ________________________ from the moment of receipt from the Policyholder of the application for increasing the insured value of property, renegotiate this agreement subject to the changed circumstances.
2.2.3. Simultaneously with the payment of the sum insured to the Policyholder, it reimburses the expenses incurred by the Policyholder in the insured event in order to reduce losses.
2.2.4. In case of an increase in insurance risk, the Insurer has the right to demand from the Policyholder changes in the terms of this contract or payment of an additional insurance premium in proportion to the increase in insurance risk.
2.3. The insurer is exempted from the payment of insurance compensation if the insured event occurs as a result of:
the intent of the Policyholder;
exposure to a nuclear explosion, radiation or radioactive infection;
military operations, as well as maneuvers or other military events;
civil war, popular unrest of any kind or strikes;
seizure, confiscation, requisition, arrest or destruction of the insured property by order of state authorities.
2.5. The Insurer is not entitled to disclose information about the Policyholder received by him as a result of his professional activity.
H. Grounds for terminating the contract
3.1. This contract shall be terminated if, after its entry into force, the possibility of an insured event has disappeared and the existence of the insurance risk has ceased due to circumstances other than the insured event, in particular, the death 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 the refusal the possibility of an insured event has not disappeared due to the circumstances specified in clause 3.1.
3.3. If the Policyholder objects to a change in the terms of the insurance contract or premium payment in connection with an increase in insurance risk, the Insurer has the right to demand termination of the contract.
3.3. If the Policyholder has not notified the Insurer of an increase in insurance risk, the Insurer shall have 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 duplicate - one for each Party.
4.2. All changes and additions to this agreement must be made in writing and signed by the Parties.
4.3. This agreement comes into force from the moment of its signing by the Parties and continues to be valid for ____________________________________________________.
4.4. The insurance stipulated by this contract extends to insured events that occurred after the entry into force of the contract.
4.5. The liability of the Parties under this agreement is determined in accordance with applicable law.
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. Avoiding such consequences will help insurance company property.
Insurance Objects
The insurance may take on the property interests of organizations of any form of ownership (state, private, public), concerning:
- buildings, dwellings;
- unfinished construction projects;
- equipment, machinery;
- measuring devices;
- inventory (production, household);
- transport, computer technology and office equipment;
- products;
- furniture, home decoration.
Insured events
The property insurance contracts of an enterprise as insurance recognize events in which the insurance company is obliged to indemnify for loss, shortage or damage to the insured object due to:
- fire and other uncontrolled burning;
- the explosion of gas devices, steam boilers and similar systems;
- natural (natural) phenomena, including lightning strike;
- crash of flying devices, their elements;
- flooding with water from damaged water supply, sewage, heating systems;
- theft
- intentional behavior of other persons providing for the destruction / damage of property.
The property insurance rules of enterprises do not provide for compensation for losses associated with:
- natural qualities of the insured object (corrosion, decay, spontaneous combustion);
- collapse of buildings, not in the course of the insurance situation;
- theft / theft of the object during or after the insurance situation;
- damage to electrical installations due to their technical malfunctions or breakdowns of energy supply systems;
- the impact of hostilities, strikes, radiation, a nuclear explosion;
- premeditated behavior of the insured, beneficiary.
Damage Assessment Rules
The payment of compensation for losses does not include moral costs that are possible in the future as a result of damage to the loss.
For construction in progress, the costs of labor and material resources that were incurred at the time the transaction was completed are compensated.
The cost of fixed assets is considered within the balance sheet value, not exceeding the required replacement price at the time of the death of the subject of insurance.
For working capital facilities, damage is determined by average market values \u200b\u200band actual production prices. For products in production, a payment is provided that covers the cost of material, raw materials, labor costs according to average statistics.
Rates and insurance premiums
The premium or insurance fee that the client pays the UK is determined in the course of the agreement of the parties to the transaction. When calculating its value, the company applies tariffs that are set taking into account the type of property, risk options, insurance amounts, the presence and value of the franchise, the validity period of the agreement and other factors.
The basic tariffs set by the state are indicated below.
Base rate (% of the sum insured)
Name of risk | Buildings and facilities | Equipment | Current assets | 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 supply and communication systems | 0,3 — 0,5 | 0,4 — 1 | 0,3 — 1,5 | 0,3 — 0,8 |
Unlawful actions of other persons | 0,2 — 0,3 | 0,5 — 1 | 0,2 — 2,5 | 1 — 2 |
IC has the right to apply a raising factor (1.1-3) to the baseline, depending on the degree of risk.
For packages of IC MasterPolis, the rate is related to the type of object under consideration and is 0.1% -5.5% of its value. The Active company offers a tariff in the amount of 0.15% for buildings and production equipment to 0.3% and higher for goods and TMZ. IC Rosgosstrakh-Business provides premium rates (% of the sum insured) from 0.08 for equipment, from 0.06 for buildings, and from 0.1 for stocks of goods.
Property insurance of industrial enterprises is carried out at the cost of replacement or residual. In the first option, insurance is derived from the amount of resources needed to purchase / build property similar to that lost. In the second, the initial carrying amount minus accrued depreciation is taken into account.
The residual price is lower than the replacement, therefore, in this case, the premium is less. Payments from the cost of restoration are more risky for the UK, therefore, some restrictions are imposed on the insured property. Having received compensation, the enterprise must provide confirmation of the intended use of resources.
Contract requirements
The agreement should be concluded on the basis of a written application of the client and contain detailed data on the objects proposed for registration.
The client must notify the insurance company of material circumstances that may affect the risk change in property accepted for insurance. Otherwise, there is a danger that the agreement will be invalidated in the future.
The contract may be terminated if payments are not paid within the approved time frame. A sample property insurance contract is available.
Insurance protection of the interests of enterprises relating to the disposal, use, ownership of its property, allows to significantly reduce the damage from any unforeseen situations and circumstances. Insurance payments serve as a guarantee of the speedy restoration of not only property, but also the economic activities of the company.