What is Wuyoubao? Wuyoubao Review, Features

51Insurance is a new type of Internet insurance intermediary platform under 51Insurance Technology Co., Ltd., focusing on online insurance customization services. It is a leading new sales model of "Internet + Insurance" and a leading Internet insurance knowledge popularization brand in the field of cross-border export insurance.

Serve

1. Group Accident Insurance

Personal accident insurance purchased in a group manner protects employees from various accidental deaths, disabilities, hospitalization, etc. during their work and life. Generally, the enterprise is the insured and the employees are the insured. The insurance liability of group accident injury insurance usually includes accidental death, accidental disability, accidental medical treatment, accidental hospitalization allowance, etc. This product is a direct guarantee given to employees to give them a sense of belonging. It is an employee benefit, but it cannot directly share compensation losses for the company.

2. Public Liability Insurance

If an accident occurs in the business operation within the specified premises, causing personal injury or property loss to a third party, the insurance company shall be responsible for the economic compensation liability that should be borne by the insured customer according to law.

3. Credit insurance

Credit insurance refers to a type of insurance where the seller insures the buyer's credit collection risk with the insurer. Its main function is to protect the safety of the company's accounts receivable. If the insured delivers goods or ships goods or provides services and issues relevant invoices to the buyer, and the buyer fails to pay on the payment date, the insurance company will compensate for the loss of the debt.

4. Cross-border e-commerce logistics first-leg insurance

Insures the risk of loss or damage of cross-border e-commerce goods during transportation from domestic collection warehouses to Amazon warehouses/Cainiao warehouses/overseas warehouses/private warehouses via sea, air, and multimodal transport. Losses are compensated according to the actual value of the goods. Conventional goods are exempt from deductible and the minimum premium is RMB 1.

5. Shelf insurance

For cross-border e-commerce first-leg insurance transported to overseas Amazon warehouses/Cainiao warehouses, we expand coverage for losses caused by goods not being put on shelves after entering Amazon warehouses/Cainiao warehouses. Losses are compensated according to the actual value of the goods, with zero deductible for conventional goods and a minimum premium of RMB 1.

6. Small package delay insurance

In the process of sending parcels by cross-border e-commerce logistics, if the delivery time exceeds a certain period due to various reasons, compensation will be made according to the agreed standards, such as several times the freight, or compensation for the declared value, etc., which are customized according to the specific situation of the enterprise. Generally, the enterprise's parcel business is required to be fully insured, and selective insurance is not allowed, and all shipped goods can be publicly tracked and queried through the online platform.

7. Cargo Insurance

The insurance company takes the goods in transit as the subject of insurance and assumes the liability for compensation for the total or partial loss of the goods caused by natural disasters and accidents. According to the mode of transportation, it can be divided into: marine cargo insurance, air cargo insurance, and land cargo insurance. According to the size of the insurance liability, it can be divided into peace insurance, water damage insurance, and all risks. The insured of cargo insurance can only be the owner of the cargo.

8. Employer Liability Insurance

Employer liability insurance refers to an insurance that the insurer is responsible for compensating the insured within the prescribed compensation limit for the medical expenses and economic compensation liabilities, including litigation expenses, that the insured's employees suffer from accidents or occupational diseases stipulated by the state in the course of their employment, resulting in injury, disability or death in accordance with the Labor Law and the labor contract. Generally, both the policyholder and the insured are enterprises, and it can share the loss of employment compensation for the enterprise. The coverage is generally divided into death, disability, accidental medical treatment, hospitalization allowance, etc. The insurance liability can also be extended from working time to non-working time.

9. Warehousing insurance

• Warehouse property insurance

Warehouse property insurance refers to a form of insurance that warehouse owners, warehouse operators, and cargo owners use to protect themselves from losses caused by natural disasters and accidents. It is divided into basic property insurance, comprehensive property insurance, and all-risk property insurance.

• Warehouse Liability Insurance

Warehouse liability insurance refers to a form of insurance that warehouse owners, warehouse operators, and cargo owners use to protect themselves from financial compensation liability caused by their own faults and negligence during the storage of goods, resulting in loss of property or cargo of others, or personal injury to others.

Advantages

1. Insure with PICC for safe and secure protection.

2. Place orders on the platform and manage them by yourself.

3. Quick insurance and quick claims settlement.

4. Transparent terms and clear responsibilities.