地震灾害保险是财产保险的一种,是以财产及其相关利益为保险标的、保险人对承保的财产因遇地震而遭受的损失承担赔偿责任的保险。国际上通常将其分为企业财产地震保险和家庭财产地震保险。前者一般采取商业运作模式,由保险公司自主开发地震保险产品并定价,被保险人自 Earthquake disaster insurance is a kind of property insurance, which is the subject of property and its related interests as the subject matter of insurance. The insurer shall be responsible for compensating the insured property for losses sustained in case of earthquakes. Internationally, it is usually divided into corporate property earthquake insurance and family property earthquake insurance. The former generally take the commercial mode of operation, by the insurance company independent development of earthquake insurance products and pricing, the insured from