[{"data":1,"prerenderedAt":190},["ShallowReactive",2],{"news-industry-warehouse-property-insurance-guide-2024-zh":3},{"status":4,"page":5,"source":181,"queryTrace":182},"ok",{"id":6,"title":7,"_id":8,"author":8,"body":9,"category":163,"cover":89,"date":164,"description":165,"excerpt":8,"extension":166,"featured":167,"image":8,"meta":168,"navigation":170,"path":171,"seo":172,"stem":173,"tags":174,"__hash__":180},"content_zh\u002Fnews\u002Findustry\u002Fwarehouse-property-insurance-guide-2024.md","仓储企业财产保险应该如何选？——专业投保指南",null,{"type":10,"value":11,"toc":154},"minimark",[12,16,21,24,83,90,94,97,114,118,142,145,148],[13,14,15],"p",{},"作为以保税仓储为核心的物流企业，安全是第一要务。商业保险是安全生产投入的重要组成部分，是货物仓储安全的必备保障措施。",[17,18,20],"h3",{"id":19},"一仓储企业财产保险的三大分类","一、仓储企业财产保险的三大分类",[13,22,23],{},"企业财产险主要分为三类，其保障范围逐级扩大：",[25,26,27,50,62],"ol",{},[28,29,30,34,35],"li",{},[31,32,33],"strong",{},"财产基本险","：\n",[36,37,38,44],"ul",{},[28,39,40,43],{},[31,41,42],{},"保障范围","：火灾、爆炸、雷击、飞行物体坠落。",[28,45,46,49],{},[31,47,48],{},"特点","：列明式“白名单”，仅赔付合同列出的项目。",[28,51,52,34,55],{},[31,53,54],{},"财产综合险",[36,56,57],{},[28,58,59,61],{},[31,60,42],{},"：基本险 + 13 种自然灾害（如暴雨、台风、洪水、泥石流等）+ 三停损失（供电、供水、供气）。",[28,63,64,34,67],{},[31,65,66],{},"财产一切险",[36,68,69,78],{},[28,70,71,73,74,77],{},[31,72,42],{},"：",[31,75,76],{},"综合险 + 除“责任免除”外的所有自然灾害和意外事故","。",[28,79,80,82],{},[31,81,48],{},"：采用“黑名单”模式，除非明确排除，否则均在赔付范围内。",[13,84,85],{},[86,87],"img",{"alt":88,"src":89},"保险责任大小对比","\u002Fimages-optimized\u002Fnews\u002Fwarehouse-property-insurance-guide-2024\u002Fimage1.png",[17,91,93],{"id":92},"二常见的责任免除-不赔的情形","二、常见的“责任免除” (不赔的情形)",[13,95,96],{},"即使购买了一切险，也需注意以下免赔条款：",[36,98,99,102,105,108,111],{},[28,100,101],{},"投保人\u002F被保险人的故意或重大过失行为。",[28,103,104],{},"行政\u002F司法行为、战争、恐怖活动。",[28,106,107],{},"地震、海啸及其次生灾害。",[28,109,110],{},"自然磨损、物质本身霉烂、虫蛀、鼠咬。",[28,112,113],{},"盗窃、抢劫、机械\u002F电气设备自身损耗。",[17,115,117],{"id":116},"三仓储企业为何必须购买财产保险","三、仓储企业为何必须购买财产保险？",[25,119,120,126,132],{},[28,121,122,125],{},[31,123,124],{},"资产保障","：即使货主买了保险，仓储企业自身的库房、设备仍需独立投保以防意外。",[28,127,128,131],{},[31,129,130],{},"合同履行","：发生事故时，货主可能直接向仓储企业索赔。若无保险，企业需全额承担赔偿。",[28,133,134,137,138,141],{},[31,135,136],{},"规避代位追偿","：这是最重要的一点。如果货主向其保险公司索赔成功，",[31,139,140],{},"保险公司有权向事故责任方（仓储企业）进行代位追偿","。购买财产一切险是企业对抗追偿风险的终极武器。",[17,143,144],{"id":144},"结语",[13,146,147],{},"怡坤始终坚持“安全第一、预防为主”的方针，开展常态化隐患排查。虽然我们购买了“一切险”，但我们更致力于通过精细化管理，确保它永远不会被生效。",[13,149,150],{},[86,151],{"alt":152,"src":153},"怡坤安全管理理念","\u002Fimages-optimized\u002Fnews\u002Fwarehouse-property-insurance-guide-2024\u002Fimage2.jpg",{"title":155,"searchDepth":156,"depth":156,"links":157},"",2,[158,160,161,162],{"id":19,"depth":159,"text":20},3,{"id":92,"depth":159,"text":93},{"id":116,"depth":159,"text":117},{"id":144,"depth":159,"text":144},"industry","2024-01-12","详细解析财产基本险、综合险与一切险的区别，探讨仓储企业为何必须购买财产保险，助您规避追偿风险，保障货物与库房安全。","md",false,{"slug":169},"warehouse-property-insurance-guide-2024",true,"\u002Fnews\u002Findustry\u002Fwarehouse-property-insurance-guide-2024",{"title":7,"description":165},"news\u002Findustry\u002Fwarehouse-property-insurance-guide-2024",[175,176,177,178,179],"仓储保险","财产险","一切险","风险管理","安全生产","SYAOmAtZRvfdLVW3ixQeNHtdEcZpC2tZtZ8CJ23Qa44","content_zh",[183,187],{"step":184,"collection":181,"condition":185,"matched":167,"elapsedMs":186},1,"stem = zh\u002Fnews\u002Findustry\u002Fwarehouse-property-insurance-guide-2024",49,{"step":156,"collection":181,"condition":188,"matched":170,"elapsedMs":189},"stem = news\u002Findustry\u002Fwarehouse-property-insurance-guide-2024",55,1789371727085]