会社やお店の地震対策は出来ていますか?!

保険相談で個人の地震保険ではなく、法人の地震保険の保険相談がありましたので、会社やお店の地震保険の現況を書いてみます。

会社やお店を経営されている皆様へ お店や会社で陳列してある商品が地震で 落ちて壊れたりしたら・あるいは製造した商品が、まだ、出荷前に地震がきてこわれたりとかしたら。そんな場合のリスクにはどのように備えてますでしょうか? 地震保険どうされてますか? 

基本的には 会社やお店の地震保険は あまり知られていません。実はこの部分の保険は一般の個人が入る地震保険とはちがい、各保険会社が独自の判断で引き受けをしている状況です。

そして、関東・甲信越・東海エリアにおいては、会社やお店の地震保険の各保険会社の引受枠はほとんど残っていません。

国内保険会社はこの地域の引受枠の上限まで引き受けてしまっている為に、これ以上新規で加入することは困難な状況です。つまり入りたくても入れない状態です。しかし、ある一部の外資系の保険会社が現在、若干ですが、会社やお店を対象とした地震保険の枠をもっています。

おそらくこのご時世、特に東海近辺は地震のリスクが高い地域ですので、会社やお店の地震保険の枠がなくなるのも時間の問題だと思います。

早めに、会社やお店の商品への地震対策、リスクヘッジをご検討されることをお薦めします。

 

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