? ? 財(cai)產險(xian)(xian)包括車險(xian)(xian)、財(cai)產險(xian)(xian)、貨物運(yun)輸(shu)險(xian)(xian)、責(ze)任險(xian)(xian)、建筑工程(cheng)險(xian)(xian)、建筑安裝險(xian)(xian)、履約保險(xian)(xian)、信用險(xian)(xian)、火箭發射險(xian)(xian)等(deng)；狹義(yi)財(cai)產險(xian)(xian)包括企業財(cai)產險(xian)(xian)、家庭(ting)財(cai)產險(xian)(xian)。
? ? 公司目前經(jing)營的(de)財產險，主要(yao)包括以下五類：
第一類(lei)財產(chan)(chan)(chan)(chan)(chan)險(xian)(xian)(xian)種類(lei)是火災及其(qi)(qi)他災害(hai)事故保(bao)險(xian)(xian)(xian)，主要承(cheng)(cheng)保(bao)火災以及其(qi)(qi)他自然(ran)災害(hai)和(he)意外(wai)事故引起的(de)直(zhi)接損失。主要險(xian)(xian)(xian)種有承(cheng)(cheng)保(bao)國內(nei)全民、集體企事業(ye)單位和(he)機關(guan)、團體財產(chan)(chan)(chan)(chan)(chan)的(de)企業(ye)財產(chan)(chan)(chan)(chan)(chan)保(bao)險(xian)(xian)(xian);承(cheng)(cheng)保(bao)城(cheng)鄉居民財產(chan)(chan)(chan)(chan)(chan)的(de)家庭財產(chan)(chan)(chan)(chan)(chan)保(bao)險(xian)(xian)(xian);承(cheng)(cheng)保(bao)內(nei)容(rong)與家庭財產(chan)(chan)(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)相同，但兼有到期還(huan)本性(xing)質(zhi)的(de)家庭財產(chan)(chan)(chan)(chan)(chan)兩全保(bao)險(xian)(xian)(xian)(或稱家庭財產(chan)(chan)(chan)(chan)(chan)還(huan)本保(bao)險(xian)(xian)(xian))和(he)承(cheng)(cheng)保(bao)三資企業(ye)財產(chan)(chan)(chan)(chan)(chan)的(de)涉外(wai)財產(chan)(chan)(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)等。
第(di)二類財產險(xian)(xian)種類是貨(huo)(huo)(huo)物(wu)(wu)(wu)運(yun)(yun)輸(shu)(shu)保(bao)(bao)險(xian)(xian)，主(zhu)要承保(bao)(bao)貨(huo)(huo)(huo)物(wu)(wu)(wu)運(yun)(yun)輸(shu)(shu)過程(cheng)中自然災害和意外事故引(yin)起的(de)(de)財產損(sun)失(shi)。主(zhu)要險(xian)(xian)種有承保(bao)(bao)國(guo)內水(shui)運(yun)(yun)、陸(lu)運(yun)(yun)貨(huo)(huo)(huo)物(wu)(wu)(wu)的(de)(de)國(guo)內貨(huo)(huo)(huo)物(wu)(wu)(wu)運(yun)(yun)輸(shu)(shu)保(bao)(bao)險(xian)(xian);承保(bao)(bao)國(guo)內空(kong)運(yun)(yun)貨(huo)(huo)(huo)物(wu)(wu)(wu)的(de)(de)國(guo)內航空(kong)運(yun)(yun)輸(shu)(shu)保(bao)(bao)險(xian)(xian);承保(bao)(bao)涉外海、陸(lu)、空(kong)運(yun)(yun)貨(huo)(huo)(huo)物(wu)(wu)(wu)的(de)(de)海洋(yang)(陸(lu)上(shang)、航空(kong))運(yun)(yun)輸(shu)(shu)貨(huo)(huo)(huo)物(wu)(wu)(wu)保(bao)(bao)險(xian)(xian);承保(bao)(bao)通(tong)過郵局遞運(yun)(yun)國(guo)際郵包的(de)(de)郵包保(bao)(bao)險(xian)(xian)和承保(bao)(bao)俞盜、提貨(huo)(huo)(huo)不著、艙面等各種附(fu)加險(xian)(xian)和特約(yue)保(bao)(bao)險(xian)(xian)。
第(di)三(san)類(lei)財(cai)產險(xian)種(zhong)(zhong)類(lei)是(shi)運輸(shu)(shu)工(gong)具保(bao)(bao)(bao)險(xian)，主要承(cheng)保(bao)(bao)(bao)運輸(shu)(shu)工(gong)具因遭受自然災(zai)害和意外事故(gu)造(zao)成的(de)運輸(shu)(shu)工(gong)具本身(shen)的(de)損失及第(di)三(san)者責(ze)任(ren)。主要險(xian)種(zhong)(zhong)有承(cheng)保(bao)(bao)(bao)車輛損失和第(di)三(san)者責(ze)任(ren)的(de)機動車輛保(bao)(bao)(bao)險(xian)承(cheng)保(bao)(bao)(bao)船(chuan)舶(bo)本身(shen)及碰撞責(ze)任(ren)的(de)船(chuan)舶(bo)保(bao)(bao)(bao)險(xian);第(di)三(san)者責(ze)任(ren)和旅客(ke)法定責(ze)任(ren)的(de)收音機保(bao)(bao)(bao)險(xian)和其他(ta)運輸(shu)(shu)工(gong)具保(bao)(bao)(bao)險(xian)。
第四類財(cai)產險種類是(shi)工(gong)程(cheng)保(bao)險，主要承(cheng)保(bao)國(guo)內(nei)外(wai)專業(ye)工(gong)程(cheng)綜合性危(wei)險所造(zao)(zao)成(cheng)(cheng)的損(sun)(sun)失。主要險種有承(cheng)保(bao)涉外(wai)土(tu)木(mu)建(jian)(jian)(jian)筑工(gong)程(cheng)由(you)于一切(qie)不(bu)可(ke)預料及突(tu)然發生(sheng)的事故(gu)(gu)造(zao)(zao)成(cheng)(cheng)損(sun)(sun)失、費用(yong)和(he)(he)責(ze)(ze)任的建(jian)(jian)(jian)筑工(gong)程(cheng)一切(qie)險;承(cheng)保(bao)安裝(zhuang)設(she)備(bei)過(guo)程(cheng)中由(you)于一切(qie)突(tu)發事故(gu)(gu)及安裝(zhuang)不(bu)善等(deng)造(zao)(zao)成(cheng)(cheng)損(sun)(sun)失、費用(yong)和(he)(he)責(ze)(ze)任的安裝(zhuang)工(gong)程(cheng)一切(qie)險;承(cheng)保(bao)機器(qi)設(she)備(bei)因設(she)計(ji)制造(zao)(zao)和(he)(he)安裝(zhuang)錯(cuo)誤(wu)(wu)、工(gong)人(ren)技術人(ren)員操作(zuo)失誤(wu)(wu)、離心力引起斷裂、鍋爐缺水等(deng)造(zao)(zao)成(cheng)(cheng)損(sun)(sun)失的機器(qi)損(sun)(sun)壞保(bao)險;承(cheng)保(bao)國(guo)內(nei)建(jian)(jian)(jian)設(she)單位在建(jian)(jian)(jian)工(gong)程(cheng)因災害事故(gu)(gu)所致損(sun)(sun)失的國(guo)內(nei)建(jian)(jian)(jian)筑安裝(zhuang)工(gong)程(cheng)保(bao)險;承(cheng)保(bao)船(chuan)舶(bo)(bo)建(jian)(jian)(jian)造(zao)(zao)全過(guo)程(cheng)因自(zi)然災害、意外(wai)事故(gu)(gu)、設(she)備(bei)故(gu)(gu)障(zhang)、設(she)計(ji)錯(cuo)誤(wu)(wu)、潛在缺陷、清(qing)除殘骸等(deng)造(zao)(zao)成(cheng)(cheng)損(sun)(sun)失及費用(yong)和(he)(he)對第三者船(chuan)、貨、碼頭(tou)建(jian)(jian)(jian)筑物造(zao)(zao)成(cheng)(cheng)損(sun)(sun)失賠(pei)償責(ze)(ze)任的船(chuan)舶(bo)(bo)建(jian)(jian)(jian)造(zao)(zao)險等(deng)。
第(di)五類(lei)財產險(xian)種(zhong)(zhong)類(lei)是責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)，主(zhu)要承(cheng)保(bao)(bao)被保(bao)(bao)險(xian)人(ren)的(de)(de)(de)民事損害賠(pei)償(chang)(chang)責(ze)(ze)(ze)任(ren)(ren)。主(zhu)要險(xian)種(zhong)(zhong)有承(cheng)保(bao)(bao)被保(bao)(bao)險(xian)人(ren)依法承(cheng)擔對第(di)三(san)者的(de)(de)(de)人(ren)身(shen)(shen)傷(shang)害或(huo)(huo)財產損失(shi)賠(pei)償(chang)(chang)責(ze)(ze)(ze)任(ren)(ren)的(de)(de)(de)公眾責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)或(huo)(huo)第(di)三(san)者責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian);承(cheng)保(bao)(bao)因制(zhi)造或(huo)(huo)銷售(shou)商品的(de)(de)(de)內在(zai)缺陷致使(shi)用戶遭受(shou)損害賠(pei)償(chang)(chang)責(ze)(ze)(ze)任(ren)(ren)的(de)(de)(de)產品責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian);承(cheng)保(bao)(bao)雇(gu)主(zhu)根據法律或(huo)(huo)雇(gu)用合同對雇(gu)員(yuan)人(ren)身(shen)(shen)傷(shang)亡負賠(pei)償(chang)(chang)責(ze)(ze)(ze)任(ren)(ren)的(de)(de)(de)雇(gu)主(zhu)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian);承(cheng)保(bao)(bao)各種(zhong)(zhong)專業、技術人(ren)員(yuan)因工作疏忽或(huo)(huo)過失(shi)造成他人(ren)人(ren)身(shen)(shen)傷(shang)害或(huo)(huo)財產損失(shi)賠(pei)償(chang)(chang)責(ze)(ze)(ze)任(ren)(ren)的(de)(de)(de)職業責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)。
