Employee benefits are divided into group insurance and individual insurance. The group insurance includes: accident insurance, medical insurance, major disease insurance, female maternity insurance, term life insurance, annuity insurance and so on. Individual insurance is mainly for the middle and high level of the enterprise additional insurance.
Two, enterprise protection
Enterprise protection is divided into the following categories:
1. Property insurance: such as plant insurance, equipment insurance, product insurance and so on. Small and medium-sized enterprise resistance to loss is relatively weak, for the enterprise property insurance, in fact, still has its value.
2. Credit insurance: If it involves the export industry, the enterprise should fully enjoy the protection of export credit insurance to improve the anti-risk ability in international trade.
3. Liability insurance: Liability insurance refers to the insurance of the insured's liability to a third party according to law as the subject of insurance. This kind of insurance to the third party request the insured to compensate for the insurance accident, to the insured to the third party should be compensated for the value of the loss as the actual loss. Liability insurance includes a very wide range, from the content point of view, mainly includes four major categories of liability insurance:
One is the public liability insurance. Also known as general liability insurance and comprehensive liability insurance, it is the insured's public liability as the object of coverage, and can be divided into four categories of comprehensive public **** liability insurance, premises liability insurance, contractor liability insurance and carrier liability insurance, each category contains a number of types of insurance.
The second is product liability insurance. Coverage of products to consumers or users and any other people caused by property damage, personal injury and death caused by the financial liability, as well as the result of the relevant legal costs, etc..
Third is the employer's liability insurance. In many countries are mandatory insurance business, the main coverage of the insured's negligent behavior caused by the damages, or no-fault risk together into the scope of insurance liability. In order to ensure the personal safety of employees, the government requires employers in industries such as coal mining and electric power operations to purchase this type of insurance.
Fourth, professional liability insurance. It is also known as professional indemnity insurance or business negligence liability insurance. In contemporary times, skilled workers such as doctors, accountants, lawyers, etc. are exposed to professional liability hazards so that the hazardous losses can be passed on by way of insurance.