Asset Protection · Cover Explained资产护航 · 险种解读
Fire Insurance商业火险
Commercial Property实物资产保障
What it covers
Indemnifies physical damage to insured property from fire, lightning, or specified explosions. Payable on Replacement Cost basis.
Scope of cover
- Building structure
- Interior renovations
- Machinery and equipment
- Stock-in-trade
- Furniture, fixtures and fittings
Average Clause warning
If sum insured < actual value, insurer pays proportionately. Claim = Actual Loss × (Sum Insured ÷ Actual Value)
Exclusions
- Intentional arson or vandalism
- War, riot or nuclear risks
- Natural wear and tear
- Unreported high-risk operations
保障承诺
赔偿因火灾、雷击或特定爆炸导致的承保财产物理损毁，按重置成本赔付。
保障范围
- 建筑结构
- 室内装修
- 机器设备
- 存货商品
- 办公家具与电器
比例赔偿条款警示
若保额低于实际价值，保险公司仅按比例赔付。 公式：理赔金额 = 实际损失 × (保额 ÷ 实际价值)
不保事项
- 故意纵火或人为破坏
- 战争、暴动或核风险
- 自然损耗
- 未申报的高风险作业
Also in Asset Protection同属资产护航
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
Send us the policy — a licensed advisor reads it and shows you where you stand. No charge.把保单发给我们，持牌顾问逐条看完告诉你缺在哪。不收费。