3. Property damage risks
3.1 Definition of property damage
The concept of property damage insurance requires us to clarify what a property damage insurance policy covers or can guarantee.
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Typology of insurable assets
The types of goods insured or that may be insured are mainly :
buildings and general technical installations (installations generally attached to the building and rendered "immovable by destination");
materials (production equipment, IT equipment, utilities such as electrical or heating equipment, etc.) and miscellaneous furniture;
inventories (raw materials, work-in-progress, semi-finished and finished products,...
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Property damage risks
Civil liability risks
Bibliography
Websites
French Federation of Insurance Companies http://www.ffsa.fr
This site provides :
a glossary of insurance terms ;
documents (presentation of the main insurance policies) from CDIA (Centre de documentation et d'information de l'assurance).
Characteristics of the main property and casualty policies
The characteristics of the main property and casualty policies are summarized in tables 2 , 3 ,
Characteristics of the main liability policies
Damage to third parties can be :
bodily: injury to the physical integrity of human beings;
material: damage to property (including animals) belonging to third parties or to those in which he has an interest;
immaterial: i.e. any financial loss. For an insurer, it is important...
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