company insurance - company general insurance
An insurance which offers shelter against the financial impact of a reduction/stagnation of production - or company process. This company stagnation must have been caused by a material damage as a result of a covered danger. The covered dangers vary from exclusively fire, deflagration, lightning screen (standaarddekking) to standaarddekking completed with storm damage, water damage, burgling, collision/collision, street amputation and the disappearance of flow - or water supplies (standard vast cover). Further specification company damage as a result of molest, volcanic breaking loose, earthquake, flood and atomic nucleus responses has been excluded. The insured amount exists from the fixed costs multiplied with the nettowinst or the turnover minus costs the variable, both measured over a certain period. The benefit period must as such be chosen that, if the most disadvantageous scenario executes himself production - or turnover loss entirely within the benefit period has repaired. DoelgroepVrijwel every company. PremieDe premium depend on insured the sum, the benefit period and cover. The foundation for the premium is been by the average of the premium for opstallen and contents. There money allowances for the meeverzekeren of plane damage risk, the subcontracting risk or the disappearance of aardgasleveringsrisico. Roughly the premium between 2‰ and 5‰ lies. BijzonderhedenDoorgaans the increase/decreaseclausule are taken. Because of this the insured amount with up to 30% becomes increased if after damage could appear that the insured amount is too layer, whereupon a premium supplement follows. If after damage appears that the insured amount is correctly too high, a premium refund is given of up to 30%.Fixed costing and nettowinst form together the brutowinst; for this reason one calls the company general insurance also brutowinstverzekering.The exploitation costs insurance, the person under obligation insurance, the rutocommissieverzekering, the tenant catching insurances and the reconstructieverzekering is consider as variaties on the company general insurance.
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