An enterprise plans to insure its property. What can be the basis for determining the amount of insurance?

(1) The comprehensive insurance amount of enterprise property is determined according to the nature of the insured property. There are three main methods to determine the amount of fixed assets: 1, which is determined according to the original book value; 2. Determine the insurance amount according to the original book value plus; 3. Determine the insurance amount according to the replacement and reconstruction value. (2) The method for determining the insured amount of current assets includes: determining the insured amount according to the latest book balance, and determining the insured amount according to the average book balance of the latest 1 year. The insured amount of special assets can be determined according to the latest book balance or the planned number. If the trustee is responsible for the economic security of the entrusted property, he may take out insurance. If there is property registered on behalf of the custody account, the insurance amount can be determined according to the value reflected in the book; If the property is not reflected in the account, it can be insured by the insured. In the enterprise property insurance business, the insurer must make differential rates for similar properties on the basis of the total average rate and according to the types of the insured property. Generally speaking, the main factors that affect the differential rate of enterprise property insurance are: building structure, occupational nature, risk types, safety facilities, fire prevention equipment, etc. The current rate of enterprise property insurance is formulated in consideration of the above factors, which is divided into two parts: basic insurance rate and additional insurance rate. The basic insurance rates are divided into three categories: industrial injury insurance, storage insurance and general insurance, and different differential rates are determined according to the occupational nature of each category. Additional risk rate refers to the rate of additional risks (special risks) of enterprise property insurance, which is generally determined by local governments according to the loss rate of survey data. In addition, there is short term rates for enterprise property insurance, which is applicable to enterprises whose insurance period is less than 1 year. The insurer may also implement preferential rates for the insured with unified insurance units or good disaster prevention facilities. The compensation amount is calculated as follows: (1) Total loss: compensation according to the insured amount. If the insured amount of damaged property is higher than the replacement and reconstruction value, the compensation amount shall not exceed the replacement and reconstruction value. (2) Partial loss: 1. If the insured amount of damaged property is lower than the replacement and reconstruction value, the compensation amount shall be calculated according to the insured amount according to the degree of property loss or the ratio of repair cost to replacement and reconstruction value; If the insured amount of the damaged insured property is equal to or higher than the replacement and reconstruction value, the compensation amount shall be calculated according to the actual loss. 2. For the property insured according to the original book value or replacement and reconstruction value, the compensation amount shall be calculated according to the actual loss. The compensation for the above-mentioned fixed assets shall be calculated according to detailed accounts and cards, and the maximum compensation amount for each fixed asset shall not exceed the insurance amount determined at the time of insurance. (3) Current assets can be insured according to the average book balance of recent 12 months, or according to the latest book balance. If the above-mentioned insured property suffers losses within the scope of insurance liability, the compensation amount shall be calculated as follows:1; If the property insured according to the average book balance of recent 12 months suffers all losses, the compensation amount shall be calculated according to the book balance at the time of the accident and the actual loss. If some of the above-mentioned current assets are insured, the maximum compensation amount shall not exceed the book balance of the insured at the time of the accident. 2. If all losses occur to the insured property according to the latest book balance, compensation shall be made according to the insured amount. If the actual loss of the damaged property is lower than the insured amount, and some losses occur within the insured amount, the compensation amount shall be calculated according to the actual loss. If the insured amount of damaged property is lower than the book balance at that time, the compensation amount shall be calculated in proportion. If the above-mentioned current assets are partially insured, the maximum compensation amount shall not exceed the amount of the subject matter insured at the time of insurance. The above is how to calculate the amount of enterprise property insurance and compensation. Everyone is very concerned about it and it is difficult to grasp it. The amount of insurance includes the amount of fixed assets and the amount of current assets, and the treatment methods are different, depending on which situation you belong to. As for how to calculate the insurance amount, I said a few points above. The amount of compensation is generally equal to the value of the property you insured, and other circumstances will be analyzed in detail. You can consult a lawyer first, and then plan to mediate or prosecute.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.