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服务险种基本介绍 
 
财产一切险
保险人负责赔偿由于自然灾害或意外事故发生造成保险财产标的的直接物质损失及产生的相关合理费用。
 
机器损坏险
保险人负责赔偿由于内部机械、电气原因或人员的误操作等原因造成被保险人的机械装置和设备的直接物质损失、损坏及产生的相关费用。
 
利润损失险
也称营业中断保险,主要是作为财产一切险或机器损坏险项下的附加险。保险人负责赔偿由于财产一切险、机器损坏险项下保险事故发生导致被保险人营业中断或受到干扰造成营业额减少或营业费用增加而导致的毛利润等损失。
 
现金保险
保险人负责赔偿被保险人营业场所内存放的和运输途中的现金(包括支票及各种有价证券)因自然灾害或火灾、爆炸、抢劫等意外事故发生所遭受的损失。
 
工程保险
工程保险是针对工程项目在建设过程中可能出现的因自然灾害和意外事故而造成的直接物质损失及相关费用,以及被保险人依法对因工程项目造成第三者的人身伤亡或财产损失应承担的经济赔偿责任提供保障的一种综合性保险。工程保险可进一步分为建筑工程一切险和安装工程一切险,区分的主要依据是根据工程项目中土建工程和安装工程部分所占的比例来确定。
 
公众责任险
保险人负责赔偿被保险人在其经营的地域范围内从事生产、经营或其它活动时,因发生意外事故而造成他人(第三者)人身伤亡和财产损失,依法应由被保险人承担的经济赔偿责任。
 
雇主责任险
保险人负责赔偿被保险人所雇佣的员工在受雇过程中,从事与被保险人经营业务有关的工作而遭受意外或患与业务有关的国家规定的职业性疾病,所致伤、残或死亡,被保险人根据《中华人民共和国劳动法》及劳动合同应承担的医药费用及经济赔偿责任。
 
产品责任险
产品责任险保险人负责赔偿被保险人(生产厂家和经销商)所生产、出售的产品或商品存在缺陷,且由于这种缺陷的存在致使其在保险人负责赔偿区域内发生意外事故,造成使用、消费或操作该产品或商品的消费者或使用者或其他第三者的人身伤害、疾病、死亡或财产损失,依法应由被保险人承担的经济赔偿责任。出口商品通常根据国际惯例要求必须投保产品责任险,以满足进口商的要求。
 
机动车辆保险
机动车辆保险是以机动车辆本身及其相关经济利益为保险标的的不定值财产保险。机动车辆保险包括基本险和附加险两部分。基本险分为车辆损失险和第三者责任险,附加险有九种,通常要求在投保了车辆损失险的基础上方可投保全车抢盗险、玻璃单独破碎险、车辆停驶损失险、自燃损失险、新增加设备损失险;在投保了第三者责任险的基础上方可投保车上责任险、无过失责任险、车载货物掉落责任险;在同时投保车辆损失险和第三者责任险的基础上方可投保不计免赔特约险。
 
雇员忠诚保险
保险人负责赔偿雇员在不中断的雇佣期间,在从事有关的职业和职责中因欺骗或不忠实行为导致被保险人遭受的直接经济损失。
 
家庭财产保险
各保险公司条款不同,主要分投资型和保障型。以房屋、装修及室内财产为保险标的,保险人负责赔偿由于自然灾害及意外事故造成保险标的的直接物质损坏,有的条款还可负责赔偿由于被保险人的过失和疏忽造成第三者财产损失或人身伤亡时被保险人依法应负的经济赔偿责任。
 
船舶保险
船舶保险是为其船壳、救生艇、机器、设备、仪器、索具、燃料和物料提供保险保障,分为船舶全部损失保险和包括船舶全损、部分损失、责任和费用在内的一切险。
 
进出口货物运输保险
在我国,进出口货物运输最常用的保险条款是C.I.C.中国保险条款,该条款是由中国人民保险公司制订,中国人民银行及中国保险监督委员会审批颁布。C.I.C.保险条款按运输方式来分,有海洋、陆上、航空和邮包运输保险条款四大类;对某些特殊商品,还配备有海运冷藏货物、陆运冷藏货物、海运散装桐油及活牲畜、家禽的海陆空运输保险条款。以上八种条款,投保人可按需选择投保。
 
国内水路、陆路货物运输保险
国内水路、陆路货物运输保险适用于国内水路、铁路、公路或联运方式,是保险货物遭受保险责任范围内的自然灾害或意外事故时,据此可以得到经济补偿的保险。保险责任开始于自签发保险凭证,且保险货物运离起运地发货人的最后一个仓库或储存处所,终止于货物运到保险凭证上注明的目的地的收货人在当地的第一个仓库或储存处所。被保险人需一次性交纳保险费。当货物发生损失时,收货人应在货物运抵目的地的十天内向当地保险机构申请检验。
 
Property all risk insurance;
Insurer has an obligation to indemnify for the direct lost and related expense of subject matter of insurance caused by natural disaster and accidents. 
Machine damage insurance 
Insurer has an obligation to indemnify for the direct lost, damage and related expense of insured‘s machines and equipments caused by inner machine, electric or error operation of people and so on. 
Profit lost insurance (business interruption insurance)
It is an additional insurance based on property all risk insurance or machine damage insurance. Insurer bears an obligation to indemnify for the losing of net profit caused by the raised cost or the reduced volume of business because of business interruption by the happen of insurance accidents within property all risk insurance and machine damage insurance.
Cash insurance 
Insured has an obligation to indemnify for the lost of cash including the check and securities caused by natural disaster .fire, explosion, hijack and so on which happens during the course of transportation 
Engineering insurance 
It is a comprehensive insurance that supply guarantee for compensation for the property lost the death and Injury of third – party caused by the construction projects insured shall be responsible for and the direct lost and related expense because of natural disasters and accidents during the course of construct. It consists of construction project all risk insurance and install projects all risk insurance, it is distinguished mainly by the proportion of install project and construct in the construction projects.
Public liability insurance 
Insurer has an obligation to indemnify for the injury, property lost of the third party caused by accidents which the insurer shall be responsible for the insurer during the process of manufacturing, managing or other activities within the integrity of business. 
Employer liability insurance 
The insurer bears an obligation to indemnify for the medical cost ,professional illness ,injury and death of employee engaged in the job within the business of insured according to the Labor Law of the People’ Republic of China and labor contract during the process of employment.
Product liability insurance 
The insurer bears an obligation to indemnify for the user of products of injury, illness, death or property lost caused by consuming or operating the product or goods which are exist bug producing selling by the insured (including manufactures and dealers). Exporting goods often needs to cover the products liability .it is a liability insurance according the international convention when export goods in order to meet to the demand of importer. 
Motor-vehicle insurance
It is none—fixes value property insurance that with the motor vehicle itself and related economic interest as the subject matter of insurance! It contains two parts—normal insurance and additional insurance. The normal insurance is consisting of motor vehicle damage insurance and the third party liability insurance .The additional insurance contains nine parties. it is allowed to cover the motor vehicle stealing insurance ,.glass single breakage insurance , vehicle stop—driving insurance ,natural lost insurance ,equipment –added insurance after have been covered vehicle lost insurance .It can be allowed to cover on—board liability insurance ,non-defect liability insurance after have been covered the third party insurance
The employee fidelity insurance 
The insurer has an obligation to indemnify for the insured's direct economic lost caused by cheating or disloyal actions during the non-stop period of employment 
Family property insurance 
It is different from insurance company’s clause to insurance company's clause. It is consist of invest—form and guarantee—form .the insurer has an obligation to indemnify for the direct lost of the subject matter of insurance caused by natural disasters and accidents with the buildings, decoration and inner house property as the subject matter of insurance .Some clauses (clause) can indemnify for the third party‘s property lost, injury and death caused by the insured’s neglect and defect which the insured shall be responsible for according to the law.
Watercraft insurance 
It supply the guarantee to the hull ,raft ,machine ,equipment, instrument ,rigging, fuel and material .It consists of watercraft whole lost insurance and all risk insurance including watercraft whole damage ,partial damage liability and lost. 
Export and import goods transportation insurance 
In our country ,the CIC China insurance clause is mapped out by the China people’s insurance company ,approved and disclosed by china people’s bank and China Insurance Regulatory Committee !CIC insurance clause consists of marine ,airway and parcel post insurance clauses in relation to the forms of transportation .As for some special goods ,it contains marine- frozen goods insurance , land-frozen goods , ocean marine insurance clause (Wood oil Bulk) and living livestock ,fowl transportation insurance clauses .The applicant can chose one of 8 clauses. 
Transportation insurance for canalage and landway 
It is fit to the forms of landway ,canalage ,training or through transport . It is an insurance that when the insured goods is exposed to the natural disaster or accidents within the scope of insurance liability .It can get compensation.The liability of insurance begin in the signature of insurance credence and the insured goods has been transported from the last warehouse or storing site of consigner ,end with the goods has been transported to the first storing site of local consignee where the insurance credence indicated .The insured need to pay the premium in one time .when the lost of good has happened ,the consignee should apply for the checkout in the local insurance organization within 10 days after the goods has been arrived.

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