Property insurance refers to the insurance in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the loss of the insured property and its related interests caused by natural disasters or accidents according to the insurance contract.
Enterprise property insurance takes the property and materials stored by the insured in a fixed place as the insurance subject matter, and the storage place of the insurance subject matter is relatively fixed and in a relatively static state. Enterprise property insurance is one of the main types of property insurance business in China, which is applicable to all independent accounting legal entities or administrative institutions.
When applying for insurance, it is generally necessary to provide the insurer with balance sheets and other materials that can show financial assets and prove the business scope of the enterprise, so as to negotiate with the insurer to determine the insurance amount and insurance rate. In addition, it is necessary to fill in the insurance application form and related documents truthfully (which can be completed under the guidance of insurance company personnel) and pay the corresponding insurance premium.