How to determine the insured risk than in insurance.. Select the insured risk from identifying the nature and the shop, which exposed him without violating public order and morality

Risk is an essential element in the insurance contract, and that it is important for the insured and the insured alike, and therefore must be a danger or hazard-defined insured denying Diligence for the parties to the contract.

No offense that a firm of freedom in determining the insured risk it specify the nature of the shop who are subjected to, provided they do not involve the violation of public order and public morals. For example, in the insurance of fire, the nature of the insured risk is to fire and that place is the thing which is likely to burn, it may be a house or a car or merchandise or anything else be insured security against fire.

However, nothing prevents the multiple nature of the insured risk it with the uniqueness of the shop (thing), it may be insured shop is a car - For example - Insured against theft, fire, damage and liability ...Etc. or all-risk insurance.

The danger, as determined by its nature and place determined - Also - Because of him, why are intended here is why if the risk, if nature is fire erupted multiple causes, such as contactless electrical wiring (short circuit) or an extension of the fire from a nearby place or defect in the thing insured itself Etc ... And if the nature of the insured risk is to fay insurance on the death of life, the multiple causes such as illness, drowning or fire ... Etc..

And determine the insured risk it because of him also be positive (absorption) as examples -Aforementioned - As the insured does not bear the risk if the risk only if the result of the specific cause .Be negative (Exclusion) that excludes the insured some reasons if the risk of the scope of guaranteed, as if borne by the insured liability check fire danger only arises from lightning, earthquakes or wars.

However, the exclusion of some of the reasons if the risk of scale to ensure the insured must be checked precisely not only be well if you replace the requirement particularly apparent in the insurance policy or the equivalent as a temporary coverage note or inflict a supplement. And exclusion, which does not have its place special requirement and apparently does not count.