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平安财险中小企业综合保险
【打印本稿】　【进入论坛】　【推荐朋友】　【关闭窗口】 2007年06月06日 10:14
    这个险种专门针对财产价值在500万以下，经营摄影彩扩、票务、日用品批发零售以及住宿餐饮等业务的中小企业。“恒利达”把财产损失险、公众责任险和雇主责任险“三合为一”，其中财产损失险和公众责任险捆绑销售，雇主责任险单独销售。  

    优点：与传统的财产险相比，“恒利达”在保险责任的制定中，扩展了财产损失保险的盗窃、抢劫责任，和公众责任保险的火灾、爆炸责任。为风险承受能力小的中小企业提供了比较全面的保障。

    缺点：相应的保费比较高，以某批发零售企业投保100万元的财产损失险和50万元的公共责任险为例，该企业一年需付的保费为6300元。
 
来源：国际金融报
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