财险公司全部保险业务,按照投保人的不同,可分为团险业务与个险业务两大类别。团险业务是指以企事业单位等法人作为投保人,保险标的相对集中、风险较大的业务;个险业务是以自然人作为投保人, 保险标的相对分散、风险较小的业务。个险 Insurance companies all the insurance business, in accordance with the different insured, group insurance business can be divided into two categories and personal insurance business. Group insurance business refers to enterprises and institutions such as legal persons as policyholders, the subject of insurance relatively concentrated, risky business; individual insurance business is a natural person as the insured person, the insurance standard relatively dispersed, less risky business. A risk