In fact, photovoltaic insurance is quite mature in Europe, and insurance covers a wide range of people. However, many types of photovoltaic insurance in China are blank. Below is the xx I compiled for you, I hope it is useful to everyone.

What are the insurances related to photovoltaics

NO.1 Property insurance

1. Insurance name: Yingda Property Insurance? 25-year photovoltaic module quality and performance insurance?

2. Insurance content: China’s first 25-year irrevocable insurance product for photovoltaic modules. Once the photovoltaic module company goes bankrupt, Yingda Property Insurance can replace it The insured company assumes the obligation to repair and replace faulty components to protect the interests of buyers from harm.

3. Insurance coverage: Covers possible defects in manufacturing materials and workmanship of components sold globally and a 25-year minimum output power warranty.

4. Insurance significance: It greatly improves the business stability and security of solar module manufacturers. The insurance terms are irrevocable and will not be transferred to the bankruptcy of the insured party.

NO.2 Business interruption insurance

1. Insurance name: Business interruption insurance launched by Conergy, also known as "profit loss insurance"

2. Insurance content: It does not cover direct property losses, but the subsequent losses caused by such property losses. It refers to the risk of losses caused by the interruption or temporary interruption of the investor's business due to the loss of material property. It is an expanded insurance attached to property insurance or machine damage insurance.

3. Insurance coverage: The attenuation of photovoltaic power output due to system component or configuration damage, attenuation or component delamination.

4. Insurance significance: The world's first company to provide customers across Europe with photovoltaic system power generation insurance in addition to conventional insurance such as all-risk insurance and obstacle insurance.

NO.3 Product liability insurance

1. Insurance name: Product liability insurance

2. Insurance content: refers to the products produced and sold by the manufacturer or seller When an accident occurs to a product or commodity within the insured area of ??the insurance company, resulting in personal injury, illness, death or property damage to the person who uses, consumes or operates the product or commodity or any other person, and the insured is legally responsible, the insurance The company will be liable for compensation according to the provisions of the insurance terms.

3. Insurance significance: Once the user suffers personal injury or property loss caused by machine failure, he or she can initiate a claim to the insurance company insured by the manufacturer.

NO.4 Guarantee Insurance

1. Insurance name: Guarantee insurance covers credit risk

2. Insurance content: It is the guarantee of the guaranteed party according to the rights holder It is required to take out a kind of insurance to insure one’s own credit. When an agreed insured event occurs, the insured can only obtain compensation when the agreed conditions and procedures are mature.

3. Insurance significance: Product quality insurance provides insurance with a guarantee nature and belongs to the category of guarantee insurance. What is insured is the insured's breach of contract, and the contract law requires the supplier and the consumer of the product to sign a contract as a necessary condition.

NO.5 policy insurance

1. Insurance name: two types: social policy insurance and economic policy insurance

2. Insurance content: It is for the purpose of the government For certain policy purposes, insurance is created by applying the principles of commercial insurance and providing support policies.

3. Insurance significance: Social policy insurance is social insurance, which has certain political significance. Economic policy insurance is an insurance launched by the state based on macroeconomic interests and implementing protective policies for certain industries related to the national economy and people's livelihood. It includes export credit insurance, agricultural insurance, deposit insurance, etc. It generally has the characteristics of non-profit, government subsidies and tax exemptions, and legislative protection.

Explanation of insurance terms

1. Insurance

The policy holder pays the insurance premium to the insurer according to the contract, and the insurer pays for the possible accidents stipulated in the contract. A business activity that assumes liability for insurance compensation for property losses caused by the occurrence, or assumes liability for insurance benefits when the insured dies, becomes disabled, becomes ill, or reaches the age or period specified in the contract.

2. Property insurance

Insurance in which the insurer assumes liability for losses caused by natural disasters or accidents to the insured property and its related interests in accordance with the provisions of the insurance contract.

3. Enterprise property insurance

Property insurance that takes the property and materials stored by the enterprise in a fixed location as the subject of insurance.

4. Home property insurance

Property insurance that takes personal living materials, farm tools, private houses and other property as the subject of insurance.

5. Profit loss insurance

After the property is damaged within the scope of liability, the insured’s expected profits and necessary losses due to suspension of production, suspension of business or operation impact within a period of time Insurance that provides compensation for expenses incurred.

6. Machine damage insurance

Insurance that covers material losses caused by man-made, accidental or physical reasons for all types of machines that have been installed and put into operation.

7. Transportation insurance

Insurance that covers the loss of transportation and third-party damages caused by natural disasters and accidents.

8. Motor vehicle insurance

Transportation insurance with the motor vehicle itself and its related economic interests as the subject of insurance.

9. Ship insurance

Transportation insurance with various ships, water equipment and their collision liability as the subject of insurance.

10. Aircraft insurance/aviation insurance

Insurance that covers aircraft and related liabilities.

11. Cargo transportation insurance

It is an insurance that takes the goods in transit as the subject of insurance and the insurer is responsible for compensating for the loss of goods caused by natural disasters and accidents.

12. Maritime cargo transportation insurance

Taking the goods transported by maritime transportation vehicles as the subject of insurance, the insurer assumes the entire transportation process, including inland waterway and inland transportation, and the insurance subject is subject to natural disasters and Insurance for loss caused by accident.

13. Land cargo transportation insurance

Insurance that takes cargo carried by land transportation vehicles, including trains, cars, etc., as the subject of insurance.

What types of photovoltaic insurance related articles are available in China:

1. Inspiring quotes from the insurance industry

2. Personal profile of the insurance salesperson

3. Self-introduction of insurance agent

4. Life insurance motto

5. Experience in doing insurance