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Samenvatting verzekeringen voor ondernemingen
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Samenvatting van de powerpoints van verzekeringen voor ondernemingen. Deel brand speciale risico's van Mevrouw de Mulder
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Verzekeringen ondernemingsrisico’s:brand speciale risico’s
Hilde De Mulder
Financie- en verzekeringswezen 3e j
AJ 2021-2022
,Inhoudsopgave
1. Preventie .................................................................................................................................................... 5
1.1 Waarom preventie?...................................................................................................................................... 5
1.2 Rol van de Risk-manager .............................................................................................................................. 5
1.3 Rol van de Makelaar..................................................................................................................................... 5
1.4 Rol van de verzekeraar ................................................................................................................................. 6
1.5 Frequentie en omvang.................................................................................................................................. 6
1.6 Rol van de verzekeraar: bepalende elementen risico analyse ...................................................................... 7
1.7 Brandpreventie – en protectie ...................................................................................................................... 7
1.8 Passieve protectiemiddelen vs actieve protectiemiddelen ........................................................................... 7
1.9 Preventie domein ......................................................................................................................................... 7
2. Preventie: quick view ................................................................................................................................. 8
2.1 Frequentie en omvang.................................................................................................................................. 8
2.1 Brandpreventie – en protectie ...................................................................................................................... 8
2.2 Risico analyse en preventie .......................................................................................................................... 8
2.2.1 Risico bepalende elementen ................................................................................................................ 8
2.2.2 Omvang bepalende elementen ............................................................................................................ 8
2.2.3 Brandbestrijdings-, alarmerings- en preventiemaatregelen ................................................................ 9
2.2.4 Andere .................................................................................................................................................. 9
2.3 Preventievoorwaarden in de brandpolis..................................................................................................... 11
3. Brand speciale risico’s............................................................................................................................... 12
3.1 Goede polis ................................................................................................................................................. 12
3.2 Wanneer spreken we van een speciaal risico? ........................................................................................... 12
3.2.1 Algemene regel................................................................................................................................... 12
3.2.2 Bijzondere regel .................................................................................................................................. 12
3.2.3 Bepaling van de verzekerde waarde................................................................................................... 13
3.2.4 Abex index .......................................................................................................................................... 13
3.2.5 Berekening grensbedragen eenvoudig en speciaal risico ................................................................... 13
3.3 Verschilpunten eenvoudig risico vs speciaal risico ..................................................................................... 14
3.3.1 Package Policy .................................................................................................................................... 14
3.3.2 Waarborgen........................................................................................................................................ 15
3.3.3 Tarief .................................................................................................................................................. 15
3.3.4 Andere verschilpunten ....................................................................................................................... 15
3.3.5 Advies ................................................................................................................................................. 15
3.4 Benadering speciaal risico door een verzekeraar ....................................................................................... 16
3.5 Voorstellen van een speciaal risico aan de verzekeraar: welke informatie heb je nodig?.......................... 17
3.6 Verzekerde goederen / verzekerde kapitalen ............................................................................................. 18
3.6.1 Verzekerde goederen ......................................................................................................................... 18
3.6.2 Verzekerde bedragen ......................................................................................................................... 18
3.7 Inhoud vs koopwaar ................................................................................................................................... 19
3.7.1 Koopwaar / stock ................................................................................................................................ 19
3.7.2 Verzekering koopwaar ........................................................................................................................ 20
3.7.3 Verzekerde bedragen ......................................................................................................................... 21
2
, 3.7.4 Vrijstelling ........................................................................................................................................... 22
3.7.5 Advies verzekerde goederen en bedragen ......................................................................................... 22
3.8 Waarborgen ............................................................................................................................................... 23
3.9 Facultatieve waarborgen ........................................................................................................................... 24
3.9.1 Rook .................................................................................................................................................... 24
3.9.2 Storm en hagel ................................................................................................................................... 24
3.9.3 Waterschade ...................................................................................................................................... 25
3.9.4 Arbeidsconflicten en aanslagen.......................................................................................................... 25
3.9.5 Aanrijding of aanraking door voertuigen............................................................................................ 26
3.9.6 Elektriciteitsrisico ............................................................................................................................... 26
3.9.7 Voorbeelden clausules en waarborgen .............................................................................................. 26
3.9.8 Advies ................................................................................................................................................. 27
3.10 Bijkomende waarborgen .......................................................................................................................... 27
3.11 Andere waarborgen of clausules .............................................................................................................. 29
3.11.1 Clausule voor rekening van ie het behoort ...................................................................................... 29
3.11.2 Afstand van verhaal .......................................................................................................................... 29
3.11.3 Advies ............................................................................................................................................... 29
3.12 Uitsluitingen ............................................................................................................................................. 30
3.12.1 Opzettelijke schade .......................................................................................................................... 31
3.12.1 Zware fout / grove schuld................................................................................................................. 31
3.12.2 Advies ............................................................................................................................................... 31
4. Bedrijfsschade .......................................................................................................................................... 33
4.1 Algemeen ................................................................................................................................................... 33
4.2 Verzekering bedrijfsschade......................................................................................................................... 35
4.2.1 Werking bij schade ............................................................................................................................. 35
4.2.2 Onderschrijving .................................................................................................................................. 39
4.2.3 Opties en uitbreidingen ...................................................................................................................... 41
4.3 Verzekering van de lonen ........................................................................................................................... 42
4.3.1 Verzekeringsformules ......................................................................................................................... 43
4.4 Schadevergoeding ...................................................................................................................................... 46
4. Machinebreuk .......................................................................................................................................... 48
4.1 Belang verzekeringssector .......................................................................................................................... 49
4.2 Doel polis machinebreuk ............................................................................................................................ 49
4.3 Aanvang dekking polis machinebreuk ........................................................................................................ 50
4.4 Klassieke polis machinebreuk: polis Assuralia ............................................................................................ 51
4.4.1 Verzekerde gevaren ...................................................................................................................... 52
4.4.2 Opties ................................................................................................................................................. 53
4.4.3 Uitsluitingen ....................................................................................................................................... 53
4.5 Alle risico’s machinebreuk .......................................................................................................................... 54
4.6 Onderschrijving .......................................................................................................................................... 55
4.6.1 Tarief beïnvloedende elementen ....................................................................................................... 55
4.6.2 Bijpremies en bijkomende waarborgen ............................................................................................. 56
4.6.3 Aangegeven waarde ........................................................................................................................... 57
4.6.4 Acceptatiepolitiek verzekeraar ........................................................................................................... 57
4.7 Schade ........................................................................................................................................................ 57
4.8 Advies ......................................................................................................................................................... 60
3
, 4.9 Keuzedekking bedrijfsschade...................................................................................................................... 61
5. Elektronica ............................................................................................................................................... 62
5.1 Onderhoudscontract................................................................................................................................... 63
5.1.1 Multirisk elektronica (MRE) ................................................................................................................ 64
5.1.2 Allrisk elektronica (ARE) ..................................................................................................................... 65
5.2 Opties .................................................................................................................................................... 65
5.3 Uitsluitingen ............................................................................................................................................... 66
5.4 Onderschrijving .......................................................................................................................................... 66
5.5 Schadevergoeding ...................................................................................................................................... 68
5.5.1 Berekening schadevergoeding herstelling.......................................................................................... 69
5.6 Uitbreidingsclausule ................................................................................................................................... 70
5.7 Advies ......................................................................................................................................................... 70
6. Cyber en fraudeverzekering ...................................................................................................................... 71
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