Scope of claims of property liability insurance

The scope of liability of property public liability insurance is as follows:

1. During the period of public property liability insurance, when the insured engages in legal production and operation in the place specified in the insurance contract, an insurance accident occurs, and the insurance company needs to bear the economic compensation responsibility for the insured.

2. The insurance company will pay the legal fees and arbitration fees reasonably if an accidental insurance accident occurs at the designated place and is sued or brought for arbitration.

3. In the event of a property insurance liability accident at a designated place, the insurance company shall compensate the reasonable expenses paid to reduce the liability for personal injury or property loss of a third party in the accident.

First, the responsibility of maintenance.

1. If the owner fails to perform the maintenance responsibility, which has or may endanger the safety of adjacent houses and public safety, the property management committee may entrust the property management company to carry out maintenance, and the expenses shall be borne by the owner; If losses are caused, it shall be liable for compensation;

2, man-made damage to public facilities, by the damaged person responsible for repair, restitution, can't repair or cause other losses, shall be liable for damages.

In addition, the division of responsibilities in other areas of the community is neither a property management company nor an owner, including the following:

(1), management responsibilities of other facilities in the residential area

Gas supply (including gas and natural gas) telephones, street lamps and related equipment, facilities and pipelines in residential areas are maintained and managed by gas supply enterprises, telecommunications and street lamp management departments respectively.

(2), residential greening management responsibilities

The planning, design, construction, project quality supervision and final acceptance of residential greening shall be the responsibility of the landscaping department; Daily maintenance and management of trees, flowers, green spaces, etc. Can be entrusted by the landscaping department to the property management enterprise. If a property management enterprise accepts the entrustment, it shall accept the business guidance of the landscaping department.

(3), traffic safety management responsibilities in residential areas

Traffic facilities such as motor vehicle parking lots (garages) and non-motor vehicle parking places within the planning red line of residential areas are maintained and managed by property management companies; Found traffic accidents or traffic violations, reported to the public security traffic management department; The establishment of a toll parking lot shall be approved by the public security traffic management department.

(4), residential fire safety management responsibilities

Water supply pipe network and underground fire wells, fire hydrants and other fire-fighting facilities installed on the pipe network shall be maintained and managed by the water supply department, and the public security fire department shall be responsible for supervision and inspection.

High and low pressure fire water supply system, including pump house, pipes, indoor fire hydrants, fire doors, portable fire fighting equipment, fire exits, etc. , maintained and managed by the property management enterprise, and subject to the supervision and inspection of the public security fire department.

Two, the composition of property services or property services expenditure

(1), salary of management service personnel, social insurance and welfare expenses, etc. ;

(2), the property * * * with part, * * * with the daily operation and maintenance costs of facilities and equipment;

(3), property management area cleaning costs;

(4) Maintenance cost of greening in the property management area;

(5) Maintenance cost of regional order in property management;

6. Office expenses;

⑦ Depreciation of fixed assets of property service enterprises;

Today, * * * some properties, * * * facilities and equipment and public liability insurance fees;

Pet-name ruby, other expenses agreed by the owner.

Third, how to classify the content of property management

According to the nature and mode of service, the basic content can be divided into three categories: conventional public service, targeted special service and entrusted special service.

1. Principle of clear rights and responsibilities: In the property management area, the rights and responsibilities of owners, owners' assembly, owners' committee and property management enterprises should be very clear, and the rights and responsibilities of all departments of property management enterprises should be clear. All the owners in a property management area form the owners' meeting, and the owners' committee is the executive body of the owners' meeting. Property right is the basis of property management right, and owners, owners' assembly or owners' committee are the main body and core of property management right.

(2) Owner-led principle: Owner-led refers to taking the owner's needs as the core and putting the owner in the first place in property management activities. Emphasizing the leading role of owners is the fundamental difference between modern property management and housing management under the traditional system.

③ Service first principle: Everything we do is service, and property management must adhere to the principle of service first.

(4) Unified management principle: only one owners' meeting can be established in a property management area, and a property management enterprise can implement property management in a property management area.

④ Principle of professionalism and efficiency: The unified management of property management enterprises does not mean that all the work must be undertaken by the property management enterprises themselves. Property management companies may entrust special services within the property management area to professional service companies, but may not entrust all property management within the area to others.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 285 A realty service enterprise or other manager shall accept the entrustment of the owner, manage the buildings and their ancillary facilities within the building division in accordance with the stipulations of the realty service contract in Part III of this Law, accept the supervision of the owner, and promptly answer the owner's inquiries about realty service. Property service enterprises or other managers shall implement emergency measures and other management measures implemented by the government according to law, and actively cooperate with relevant work.