借位一用

豆腐玉女

1. Utmost good faith
  2  Insurable interest
  3 Indemnity
Indemnity means to restore the insured to the same position as he was in before a particular.
Therefore any depreciation in the value of the insured article must be calculated. This principle is to compensate the insured for the loss he has sustained but not providing any profit element.
This can reduce the temptation to the insured to induce a loss in order to make a profit. The usual ways of providing indemnity are cash payment repair replacement or reinstatement.
indemnity is correlated with two concepts subrogation and contribution

   4 Subrogation
   5 Contribution
   6 Proximate

   1.Fire hazard
     1.1 storage should be equipped with appropriate fire-fighting equipment
     1.2 routine maintenance and inspection should be conducted for fire service installation at the workplace or storage
     1.3 inflammable packaging material should not be used
     1.4 notice and instruction of fire precaution should be posted at the workplace
     1.5 smoking is not permitted in the indoor areas of the home premises
   
   2.Collision
     2.1 bubble sheet should be used to protect vulnerable goods
     2.2 individual package should be provided to prevent scratching
     2.3 label Fragile should be posted at the cover of carton for special care


   3.Theft
   3.1 24 hours cctv system should be installed the workplace and storage
   3.2 Burglary alarm system should be installed
   3.3 goods to be locked up properly
   3.4 goods to be in the custody of authorized person only
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