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Types of insurance.
Property of legal entities
Our company offers insurance protection for property that is owned by legal entities, or rented, or in the pledge or is the subject of the lease. What kind of property to be insured?
- Buildings, facilities including repairs and internal facilities and equipment;
- Land;
- Machines, equipment and devices;
- Integral property complexes;
- Computer and office equipment, furniture;
- Transfer device;
- Trade and equipment in warehouses;
- Items in stock and turnover;
- Raw materials and supplies;
- Windows, advertising signs.
What can you insure the property?
- Fire, explosion, lightning, fire and other risks;
- Natural phenomena, storm, hurricane, storm, hail, heavy rain, snow, earthquake, etc. ;
- The fall of manned aircrafts and their parts or baggage;
- Damage to property due to water rush of water pipes, sewers, heating systems;
- Wrongful acts of third parties: theft, burglary, robbery, burglary.
The insurance contract may be made with the responsibility for all risks or a selected list of risks. The insurance payment is from 0.066% to 0.7% of property value, depending on the type and degree of risk, type of property, its location or storage. Loyal customers, subject to the continuous lack of insurance and insurance events are eligible for reduced rates and discounts.___________________________________________________________
Property of individuals
Insurance is accepted:
- At home;
- Residential apartments;
- Repair and equipping of domestic premises;
- Household goods, which is located on the premises.
Accident insurance in Ukraine
Most people do not believe that they can find something is not good as long as it does not happen. The high level of professional and consumer injury proves need for accident insurance in Ukraine. Protect yourself and your family from unexpected financial expenses related to the accident, to help you, our insurance company.
The main purpose of insurance against accidents - is to provide insurance protection in case of loss of health or death of the insured.
Accident insurance in Ukraine includes insurance property interest associated with the life, health and disability of the insured. Our insurance company provides payment of insurance compensations to the victims in an accident. Insurance risk for this type of insurance is:
- The death of the insured person in an accident;
- To receive disability of the insured person in an accident;
- Injury or damage to internal organs and body parts in an accident;
- Temporary disability of the insured person in an accident.
Insurance protection against accidents under the contract is valid for 24 hours. The insurance contract may be concluded for a period of 7 days to 1 year from corporations and individuals. Insurance rates vary by line of insurance, occupation, type and kind of activity, age of the insured. The sum insured is determined and discussed with the client individually for each contract of insurance and must cover the costs of customer-related insurance risks.
Our program of accident insurance in Ukraine provide confidence in the future, as well as contribute to the settlement of all issues arising out of accidents:
-Students;
-Athletes;
-Workers of different industries;
-Customized programs for individuals and legal entities. ____________________________________________________________Insurance of construction risks
Our company offers organizations that are engaged in the construction and installation works, insurance facilities, which are at any stage of construction, reconstruction, repair, and start - up operations. Insured may be by the Contractor, the Customer or investor of construction. Risks that can be insured:
- Fires in the investigation of lightning, gas explosion, damage to the electrical system - equipment, gas pipeline explosion and related storage facilities, vehicles and components;
- Accidents during blasting, drilling, gas -, elektrosvarschitskih and other works;
- Failure of water pipes, sewers, teplopodachi, flooding pits, equipment, structures and mechanisms;
- Water damage, which is used to extinguish the fire;
- Hitting the vehicle or self-propelled machines and the influence of water transport, or self-propelled floating engineered structures;
- The fall of manned aircraft, parts, debris or cargo;
- The use of defective materials, which led to the insured event (if you were not aware of their defects);
- Errors in the conduct of employees of the insured building / installation works;
- Natural disasters and their consequences;
- Burglary, robbery, burglary, robbery;
- Man-made disaster;
- Insurance after starting the warranty.___________________________________________________________ Mortgage insurance items
Insurance of the mortgaged property from the risks of accidental destruction, accidental injury or damage is mandatory in Ukraine.
The subject of the contract of obligatory insurance of mortgages are property interests that do not conflict with the law and related to the possession, use and disposal of immovable property which is the subject of the mortgage. Insurance is subject to property which is subject to a mortgage (other than property rights, leasehold rights or use of real property), which is owned by mortgagor after the signing of the mortgage contract.
Property Insurance
Experts estimate that today 80% of the insurance market in Ukraine is the real estate collateral. The remaining 20% comes from voluntary insurance.
The main reason for such a low level of voluntary insurance of real estate in our country obuslovloena, first of all, lack of trust of potential customers to insurance companies, despite the fact that the latest published statistics, podtyverzhdayuschuyu that they fulfill their obligations properly.
The second aspect - it does not understand why people need to insure the property, which is exposed to risks of their housing, transportation and more.
Property insurance is necessary in case the house is rented out, used seasonally, is unreliable locks. In addition, it is better to insure the premises, which is not installed alarm (burglar and fire), there are no bars on the windows and there is no metal door.
By the way, these factors form the basis for determining the cost of property insurance in Ukraine.
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