轨道交通企业经营期财产保险策划的关键点分析

Study on Operation-period Property Insurance Key Issues of Rail Transit Enterprises

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。

Corporate operations management of rail transit industry faces multiple risks. All enterprises in the industry are seeking to transfer risks through insurance while controlling cost of transfer within a certain range. This article introduces property risks in rail transit industry during operating period; presents some practical keys such as choices of insurance type and pattern, insurance subject, period and clauses; analyses notes on insurance claim settlement. And also provides insurance references for rail transit enterprises and for property insurance of other large heavy asset companies due to similar thinking and key points of insurance purchase as rail transit enterprises.