2. Fire liability insurance is usually available in some big insurance companies. It is best to choose some well-known companies to buy, such as life insurance and Ping An insurance.
There are two different kinds of fire liability insurance when purchasing, one is the insurer, that is, employee insurance, and the other is property insurance. After purchasing fire liability insurance, you can avoid direct property losses caused by fire and compensation losses caused by personal injury.
1 On the morning of August 7th, Mr. Zhang's new store quietly opened. After a lapse of seven months, frontice, which has been working hard to make hardware electrical materials, finally came out of the ruins after the fire. After opening the store for 9 years, Mr. Zhang never thought that his store would be "famous" because of a fire. The reason is that Mr. Zhang spent 40 yuan to buy insurance for the store, and finally got a "large" claim of 654.38+0.8 million. At the same time, due to the long-term suspension of business during the epidemic, everyone gradually realized that although the store is small, the protection cannot be less.
2. With a loss of 1 million yuan, the business in the town where Mr. Zhang's family is located has blown up, but when someone decorates the house and updates the home, the first thing that comes to mind is Mr. Zhang's hardware store. "I opened this store in 20 12 years. I have all this goods. I can place an order directly by making a phone call or WeChat. Not only retail investors buy, but also many contractors come to me to purchase goods. " "When busy, my wife and I have to work for more than ten hours a day, from 5: 30 in the morning to 7: 00 in the evening. I haven't rested for a month. But in the off-season, there may be several businesses a day. " When business is good, the average running water in Mr. Zhang's hardware store is four or five thousand yuan a day. They were busy from morning till night before the outbreak. Although busy, watching the money in the small account book collected by WeChat increase little by little, the couple are very satisfied and the lives of the three children can get better.
But the fire extinguished the family's hope for life. "Not counting the houses above, even if the shops (goods) are lost, the loss is 160, 1.7 million." After the fire, it caught up with the outbreak period and closed for 3 months. This means that families have no income. The family crowded into the small house packed by their parents' house, and life returned to the original point, which made Mr. Zhang very helpless. In March, anxious Mr. Zhang rented a temporary shop not far from the original shop, thinking of taking some orders to make up for the loss. However, the most frightening thing for Mr. Zhang happened: due to the long-term closure, many old customers lost, and a small number of them were willing to come to Mr. Zhang's house to buy, and they were always out of stock. "This time, the mood has not improved.
4, but the first reaction at that time was that people were fine and said everything. "40 yuan Insurance, claim 1.8 million." I really appreciate Wei Bao, otherwise our family really wouldn't live so fast. "Mr. Zhang is grateful for the small business fire insurance he bought on the small account book, which is 4 1 yuan a year and the insured amount is 228,000 yuan." At that time, the things I bought casually were not expensive, so I bought a peace of mind. I didn't expect it to play such a big role this time. "On the seventh day after the fire, Mr. Zhang reported the case to the insurance company. After on-site investigation, the insurance company quickly determined the compensation amount of 6.5438+0.8 million. Subsequently, this 6.5438+0.8 million was used to decorate Mr. Zhang's house and shops. After several months of preparation, on August 7, Mr. Zhang's shop destroyed by the fire was renovated and ready to reopen.
Recently, I have been busy buying goods, hoping to replenish them as soon as possible and get my business and life back on track. After personally understanding the protection function of insurance, Mr. Zhang bought a monthly employee insurance policy of 1 yuan for his wife, and a comprehensive insurance policy that can protect accidental injury, medical care and suspension of business subsidies. "With insurance, I am relieved." "I'm sure I have confidence. I should do better now than before, because the children are older and need money in all aspects. What if you don't do it? " When asked about the future, Mr. Zhang replied like this.