Insurance coverage of enterprise property insurance basic insurance:
If the loss of the subject matter insured is caused by the following reasons, the insurer shall be liable for compensation: 1, fire;
2. Lightning strike;
3. explosion;
4. Flying objects and other airborne objects fall;
5. The insured's own self-use power supply, water supply and gas supply equipment is damaged due to the insured accident, resulting in power failure, water cut-off and gas cut-off, resulting in direct losses to the subject matter insured;
6. Necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the subject matter insured after the insured accident.
Coverage of comprehensive enterprise property insurance: In addition to the coverage listed in the basic enterprise property insurance, it also includes:
Rainstorm, flood, typhoon, storm, tornado, snowstorm, hail, ice, debris flow, cliff collapse, sudden landslide and sudden ground collapse.
China People's Property Insurance Co., Ltd. has a benchmark property insurance rate of 0.8‰.