Division of insurance in terms of risk insured from it

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  • The insurance can be divided into different branches on the basis of the type of insured risk. Fire insurance if the insured risk is the fire. Therefore, the fire insurance protects the property insured by the document from the risk of fire. If the insured property is damaged as a result of the risk of fire, He will pay the value of these damages to the insured.
  • We say burglary insurance if the insured risk is burglary, so burglary insurance protects the property insured by the document from the risk of burglary. If the insured property is lost as a result of a burglary, the insured will pay the lost property to the insured. Burglary of property insurance because the subject of insurance in the fire document is things or property.
  • We say that the earthquake is guaranteed if the insured risk is the earthquake. Therefore, the earthquake insurance protects the insured property against the earthquake. If the insured property is damaged as a result of the earthquake, the insured will pay the damage to the insured.
  • The flood insurance protects the property insured by the document from the risk of flood. If the insured property is damaged as a result of the flood risk, the insured will pay the damage to the insured.
  • If the insured property is damaged as a result of the danger of the volcano, the insured will pay the value of these damages to the insured, and securing the volcano is excluded in most Countries.
  • The hurricane insurance protects the property insured by the document from the risk of hurricane. If the insured property is damaged as a result of the risk of hurricane, the insured will pay the damage to the insured.
  • And secure wars if the risk insured against it is war, but the insurance of wars is excluded for property on the ground and allowed only in marine insurance.
  • Terrorism insurance covers loss or damage to property caused by terrorism.
  • Securing political risks covers businesses with overseas transactions, such as forward sale and investment against losses arising from political acts such as seizure, revolutions and delays in the transfer of funds.
  • If the insured risk is misappropriation of the employee from the employer, we say the insurance of the trust if the insured risk is the debtor's bankruptcy or non-payment of the creditor.
  • The kidnapping and ransom insurance is the insurance to be paid the ransom in the case of the kidnapping of a specific person by name.
  • Securing the abduction is an insurance covering the consequences of the abduction of a person outside the insured property to force him to return and open the property or open the safe or give information to help.
  • Crime insurance is insurance that covers the insured against losses arising from criminal acts such as theft, embezzlement and kidnapping committed by a third party.
  •  Insurance of nuclear accidents:
Insurance covers the damage caused by accidents involving nuclear materials, and this insurance is at a national level because it is excluded from private insurance.

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