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轨道交通企业经营管理面临多种风险,在控制转移成本前提下利用保险转移风险,是所有轨道交通企业面临的实际问题。本文梳理归纳了轨道交通企业经营期所面临的财产风险;提出了轨道交通企业财产保险的策划重点,包括险种选择、投保标的、模式、期限、限额、条款确定等关键点分析;分析了保险理赔注意事项,为轨道交通企业保险提供借鉴,其他大型重资产企业的投保思路及关键点具有类似性,本文也可为这类重资产企业保险提供参考。
The rail transit enterprises are faced with many kinds of risks in their operation and management. Taking the risks of transfer of insurance under the premise of controlling the transfer costs is a practical problem for all rail transit enterprises. This article combs the property risk faced by the rail transit enterprises during the operation period and puts forward the key planning points of the property insurance for the rail transit enterprises, including the key points such as the selection of the insurance type, the mode of insurance coverage, the deadline, the quotas and the terms, and analyzes the insurance claims Precautions for the rail transit insurance companies to provide reference, other large-scale assets of the insurance business ideas and the key points have similarities, this article can also provide reference for such heavy-duty asset-based insurance.