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Изготовление декоративных элементов сада Совсем недавно садовые участки имели вид безликих площадок, представляющих собой огород с растущими сельскохозяйственными культурами. Среди украшения такого участка можно было

Наступление страхового случая и виды страхового покрытия

Автор: admin от 1-02-2013, 14:24
'НаступлениеСтраховой случай считается наступившим, если коммерческая деятельность Страхователя частично или полностью прекращается из-за материальных убытков, вызванных задержкой в производственном процессе.
Материальный ущерб имеет место, если имущество Страхователя, в том числе недвижимое имущество, производственные и административные площади, машины, оборудование, сырье, установки, товары на складе уничтожены либо повреждены огнем, электрическим разрядом от молнии. Или взрывом от бытовых приборов, работающих на газе, водой, в том числе из отопительных или канализационных систем, стихийными бедствиями, противоправными деяниями третьих лиц (ограбления и акты вандализма).
Ущерб из-за перерыва в производстве покрывается страхованием в случае, если такой перерыв наступил вследствие материального ущерба после выхода из строя производственного оборудования, или иного движимого имущества Страхователя. Должно соблюдаться условие, что в момент наступления материального убытка (ущерба) это имущество использовалось Страхователем при ведении хозяйственной деятельности, а также находилось в пределах территории страхования, указанной в договоре страхования.

Виды страховых выплат


Также страховка покрывает повреждение зданий, в которых находятся производственные и хозяйственные помещения Страхователя. Эти здания должны быть указаны в договоре страхования в качестве территории или места страхования. Следует учесть, что указанное имущество и здания могут принадлежать Страхователю на правах собственности, или согласно договорам аренды, найма, лизинга и т.п.
Существуют события, которые Страховщик не признает страховыми случаями. К ним относятся события, происшедшие вследствие грубой небрежности или умысла Страхователя, наступление форс-мажорных обстоятельств во время перерыва в производстве, из-за чего этот перерыв продлевается. Не считаются страховыми случаи задержки в восстановлении хозяйственной деятельности Страхователя из-за ограничений в отношении восстановительных работ со стороны органов власти.
Нельзя получить страховую выплату из-за различных военных действий, гражданской войны, забастовок, народных волнений, реквизиции, конфискации, ареста, уничтожения имущества по распоряжению военных или гражданских властей, воздействия ядерной энергии в любой форме. Все эти случаи не считаются страховыми событиями.

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