apartment Insurance
-The risk of destruction or damage to property (including mortgage insurance) as a result of such events as the Gulf, fire, illegal actions of third parties, natural disaster, theft of property, including household appliances. Statistics show that the mostfrequent causes of an insured event are flooding or water penetration from adjacent premises;
-Risk of civil liability to third parties for injury to life or health or damage to their property;
-Risk of loss of ownership (title insurance);
-The risk of unexpected costs for rental housing as a result of destruction (damage) of the property;
-Financial risks associated with the apartments, the ownership of which has not yetissued,-including the risk of incurring additional expenses under the contract of the equity and the risk of non-ownership of the purchased apartment in a newly builthouse under a contract of the equity.
Fire risks and the risks of natural disasters
Common risks for this type of property insurance include: losses in case of loss or damage to property from fire, lightning, explosion, flood, earthquake, subsidence, storms, hurricanes, rain, hail, landslide, landslide, the action of groundwater, lodging , unusual for the area of severe frosts and heavy snowfalls, a power outage caused by natural disasters, accidents, means of transport, heating, plumbing, sewage and other systems, the penetration of water from an adjacent room, burglary, unlawful acts of third parties
Insurance business interruption
Insurance against damage caused by the stoppage of production due to an eventwhich is insured under a contract of property insurance. Insured losses arecompensated by a break in activity, comprising the income foregone as a result ofreducing the speed of production, services and expenses of the insured to continue the economic activity
Insurance of construction risks
Insurance of construction and installation works, including all materials used for this purpose, equipment, construction sites and construction equipment, construction equipment, the costs of clean-up, debris removal, support structures (eg, temporarydams)
Vehicle Insurance
Insurance, which is designed to protect the interests of the insured property related to the cost of restoring the vehicle after the accident, breakdown or buy a new car aftertheft or embezzlement
personal insurance
For personal insurance includes all types of insurance associated with theprobabilistic events in the life of the individual. For life insurance industry includeinsurance, in which the object of insurance is the property interests related to the life, health, disability and pensions of the insured or the insured
Employer's liability insurance
The object of insurance is the responsibility of the employer's liability for damage to property, life and health of their employees.
Endowment life insurance, pension insurance
For life insurance include all types of insurance, where the insurance object supports human life. But since it is impossible to determine how much a person's life insurance companies oriented to the client's income. The object of protection is not so much life as income people. The average amount of insurance coverage varies from 3 to 10 annual income clients.Life insurance contracts are concluded for a period of not less than one year. There are risky and life insurance. In the risky (classical) Insurance money is going to cover the client's risk and at the end of term insurance are not refundable.In life insurance may be combined with the accumulation of savings and risk functions. For example, this type of insurance is a mixed life insurance and endowment. Such insurance is a combination of investment funds and life insurance. Part of the money goes to cover the client's insurance risk, while others invested in highly reliable but low-income areas of business and brings investment interest. In the case of survivorship, upon termination of insurance the client receives the invested money back with interest. Some companies pay for the risks are not deducted from the funded part.In life insurance may be included various risks. It's insurance against accident, disability, partial disability from, from a critical illness (oncology, etc.) .. Thus, the insurance liability life insurance provides for payment of the sum insured in the following cases: survival of the insured before the insurance term, the loss of health, with occurrence of the insured's death.Should separately identify pension insurance. It is the accumulation of life insurance, but the termination of the program is tied to the retirement rights (such as in Russia, women 50, 55 or 60 years, males 55, 60 or 65 years). In some companies, the contract may act before the 75th anniversary of the insured. Insurance payments in case of survival of the insured is paid as a pension until the end of life (life annuity), a lump sum or calculated for 5, 10, 15 and 20 years at the discretion of the policyholder. This pension may have inherited a period of up to 20 years, ie in case of death of the remainder of the beneficiaries receive the accumulated amount
Accident insurance
Accident insurance is intended to compensate for damage caused by the loss ofhealth or death of the insured. It may be in the group (eg, insurance company employees) and individual forms as well as in the forms of voluntary and compulsory insurance (eg, passengers, troops and other groups).
Insurance noncompliance
Insurance losses incurred as a result of default by the counterparty.
title Insurance
Loss of property due to loss of property rights on the basis of a court decision of first instance for claims of third parties.
Political risk insurance
Insurance losses incurred as a result of the actions of the authorities (does not reallyspread in the CIS countries)
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