保险合同性质的认定是非常重要的 ,特别是关系到定值保险与不定值保险的性质认定 ,一旦认定错误 ,就会给保险人造成损失。本文案例中涉及一份企业财产保险合同 ,当保险财产出险以后 ,保险人与被保险人在理赔上产生分歧 ,诉至法院 ,且经法院五次开庭审理 ,才作出公正判决。究其原因 ,便是对该份企业财产保险合同的性质认定不准确 ,以致产生歧意。从中可见保险合同性质的认定对于理赔业务的重要意义 ,亦可作为保险公司工作人员在今后工作中应注意的前事之师 The identification of the nature of the insurance contract is very important, especially the nature of the relationship between fixed-value insurance and indefinite-value insurance, and once it is found to be wrong, it will cause losses to the insurer. In this case, a case concerning a business property insurance contract involves the insurer and the insured disagreeing with the claim when they are insured, and suing them to the court and making a fair judgment only after five court hearings. The reason is that the nature of the corporate property insurance contract is not accurate, resulting in inconsistent. It can be seen from the nature of the insurance contract claims for the importance of business, but also as a insurance company staff should pay attention to the future work of the division