中意财产保险有限公司

公众责任险附加险条款(补充)

 

一、     扩展类(L-K-p

L-K-p-048  广告招牌及装饰物责任条款

L-K-p-049  赔偿业主条款

L-K-p-050  游泳池责任条款

L-K-p-051  董事及非体力劳动雇员临时海外公干责任条款         

L-K-p-052  停车责任条款 (海达—燕莎)

L-K-p-053  放弃代位追偿权利条款A (中保—燕莎)

L-K-p-054  放弃代位追偿权利条款B (中保—燕莎)

L-K-p-055  放弃代位追偿权利条款C (中保—燕莎)

L-K-p-056  Employees and Visitors Personal Effects (海达—亚啤)

L-K-p-057  Extended Reporting Period Clause (中保) (海达—亚啤)

L-K-p-058  Premises Medical ( Limit: RMB10,000 any one accident )

L-K-p-059  Sudden and Accidental Pollution Extension

L-K-p-060  Completed Operations

L-K-p-061  Business Trip Abroad

L-K-p-062  自动承保新地点条款

L-K-p-063  交叉责任条款B

L-K-p-064  交叉责任条款C

L-K-p-065  停车场责任条款A

L-K-p-066  停车场责任条款B

L-K-p-067  救火费用条款B (中保)

L-K-p-068  锅炉爆炸条款 (中保)

L-K-p-069  火灾和爆炸责任条款 (中保)

L-K-p-070  火灾及烟熏扩展条款 (中保—燕莎)

L-K-p-071  承租人责任条款B (中保)

 (海达—亚啤’96 (海达—亚啤’96

二、     限制类(L-X-p

L-X-p-001  Sanctions Related Exclusion

L-X-p-002  Master Program Memorandum

L-X-p-003  Industries, Seepage, Pollution and Contamination Clause (for countries other than USA/Canada)

L-X-p-004  Absolute Pollution Exclusion for USA/Canada

L-X-p-005  Liquidated Damages Exclusion

L-X-p-006  Pure Financial Loss Exclusion

L-X-p-007  Toxic Mold Exclusion

L-X-p-008  US Domiciled Operation Exclusion

L-X-p-009  War & Terrorism Exclusion Endorsement (WTE)

L-X-p-010  Cyber Risks Clause

L-X-p-011  Date Recognition

L-X-p-012  Seepage, Pollution and Contamination Pollution Clause

L-X-p-013  Asbestos Exclusion

 

三、规范类(L-G-p

L-G-p-011  附加被保险人条款

L-G-p-012  补充规定 (中保—燕莎)

L-G-p-013  Currency Exchange Clause

L-G-p-014  Pay as Paid Clause

L-G-p-015  Notice of Cancellation by Insurers (Immediate Notice of Cancellation by Insured)


一、     扩展类(L-K-p

L-K-p-048  广告招牌及装饰物责任条款 (海达—亚啤’96

双方同意,本保险扩展负责完全由于拥有、维护或使用位于______境内任何地方,处在或不处在被保险人场所内的霓虹或广告招牌及装饰物造成人身伤害或财产损失时,列明被保险人应负的赔偿责任,但以下列规定为条件:

如果任何霓虹或广告招牌及装饰物正处在列明被保险人或代表其进行的安装、维修或修理过程中,则本保险不适用。

列明被保险人应保证遵守所有的法令、法规、条例及规章,并保证在任何时候霓虹或广告招牌及装饰物均处于良好的维修状态,任何缺陷一经发现,列明被保险人应立即予以修复,同时视情况需要采取额外防护措施以预防事故发生,且非经本公司同意招牌的位置不得变更。

在合理和可行的情况下,非经本公司同意,意外事故发生后,在给予本公司进行检查的机会之前,不得对上述霓虹或广告招牌及装饰物进行变更或修理。

 

L-K-p-049  赔偿业主条款 (海达—亚啤)

兹经双方同意,尽管存在相反规定,依据本保险单条款、限制及条件,本保险扩展承保完全由于列明被保险人对于位于(明细表中所列明的)风险地点的、上述业主为注册所有人的场所的占用,而提出的任何针对该场所业主的索赔。本公司将依据本保险单中列明的赔偿限额,赔付对上述业主的此种索赔及相关费用。

但是,

() 在此予以赔偿的业主如被保险人一样地遵守本保险单条款、条件及除外责任的规定,是本公司承担责任的前提条件;

() 赔偿限额适用于本扩展条款;

() 被保险人应已与业主安排,授权本公司处理与控制全部索赔事宜;

() 本公司不负责赔偿业主由于对上述场所进行改建、修理或扩建工程而引起的责任。

本扩展条款不可以推断为影响本公司以被保险人的名义为其自身利益进行索赔求偿的权利,除以上所述,也不变更、修改或扩展本保险单的任何规定或条件。

 

L-K-p-050  游泳池责任条款 (中保) (海达—亚啤)

兹经双方同意,鉴于被保险人已交付了附加保险费,本保险扩展承保被保险人因本保险单明细表中列明的地点范围内所拥有、使用或经营的游泳池发生意外事故造成第三者人身伤亡时应负的赔偿责任。

被保险人应保证在游泳池开放时有合格救生员值勤。

 

L-K-p-051  董事及非体力劳动雇员临时海外公干责任条款 (海达—亚啤)

兹经双方同意,本保险扩展负责,被保险人通常居住于中国的董事及非体力劳动雇员出国(中国以外但不包括美国及其领地及加拿大)公干,引起人身伤亡或财产损失,被保险人应负的法律赔偿责任。

但是,有关在任何国家(中国以外)提出的对被保险人的索赔,如果在该国有代表被保险人的分支机构或居住于该国的雇员,或有公司、商号或个人持有被保险人的代理权,则本扩展条款不适用。

 

L-K-p-052  停车责任条款 (海达—燕莎)

本保险扩展承保,为饭店客人提供停车服务而造成车辆损失时,被保险人应负的赔偿责任。

但是停车服务应由被保险人授权的雇员进行,且该雇员应持有有效驾驶执照。

 

L-K-p-053  放弃代位追偿权利条款A (中保—燕莎)

 

兹经双方同意,保险人将放弃对可在此获得赔偿的租户的代位追偿权利。

 

L-K-p-054  放弃代位追偿权利条款B (海达—亚啤)

本公司同意放弃针对任何被保险人,其利益受本保险单保障的任何个人、公司,被保险人的任何雇员、代理人或承包商,或在损失之前已经被保险人书面同意放弃对其追索权的任何个人、代理人、联营商号或公司的代位追偿权利。有关与本项目无关的业务经营,前述规定将不适用。

本保险单其他条款及条件不变。

 

L-K-p-055  放弃代位追偿权利条款C (华商)

尽管本保险单存在相反规定,双方同意,在发生索赔时,本公司将不行使对被保险人的子公司或联营公司的代位追偿权利。

 

L-K-p-056  Employees and Visitors Personal Effects

It is hereby noted and agreed that this Policy is extended to cover legal liability of the Insured in respect of personal effects of their employees and visitors provided that the amount of indemnity under this extension is limited to HK$50,000 any one employee and visitor.

 

     L-K-p-057  Extended Reporting Period Clause (中保) (海达—亚啤)

1.         The Company will provide the Extended Reporting Period, as described below, if this policy is cancelled or not renewed.

2.    Extended Reporting Period does not extend the policy period or change the scope of coverage provided.  It applies only to claims for:

        Bodily injury or property damage that occurs before the end of the policy period but not before the Retroactive Date, if any shown in the Schedule; or

        Once in effect, Extended Reporting Period may not be cancelled.

3.    A Basic Extended Reporting Period is automatically provided without additional charge.  This period starts with the end of the policy period and lasts for 20 days with respect to claims arising from Events not previously reported to the Company

The Basic Extended Reporting Period does not apply to claims that are covered under any subsequent insurance the Insured purchases, or that would be covered but for exhaustion of the amount of insurance applicable to such claims.

4.    The Basic Extended Reporting Period does not reinstate or increase the Limit of Indemnity.

 

L-K-p-058  Premises Medical

It is hereby agreed that the Insurer will pay to or for each person (other than employees of Insured) who sustains bodily injury caused by accident all reasonable medical expense incurred within one year from the date of the accident on account of such bodily injury, provided such bodily injury arises out of (a) a condition in the insured premises or (b) operations with respect to which the named insured is afforded coverage for bodily injury liability under this policy subject to a limit of    _____any one accident.

Subject otherwise to the terms, conditions and exclusions of this Policy.

 

L-K-p-059  Sudden and Accidental Pollution Extension

This insurance is extended to indemnify the Insured against loss incurred by the Insured as a result of liability arising from claims first made against the Insured for Pollution Conditions.

Pollution Conditions means the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any water course or body of water which is sudden and accidental and neither expected nor intended by the Insured.

Subject otherwise to the terms, conditions and exclusions of this Policy.

 

L-K-p-060  Completed Operations

Notwithstanding anything contained herein to the contrary, it is hereby noted and agreed that this Policy does not cover any liability arising out of “completed operation hazard”.

For the purpose of this policy, “completed operation hazard” includes bodily injury and physical property damage arising out of operations or reliance upon a representation or warranty made at any time with respect thereto, but only if the bodily injury or property damage occurs after such operations have been completed or abandoned and occurs away from the premises owned by or rented to the Named Insured.  “Operations” includes materials, parts or equipment furnished in connection therewith.  Operations shall be deemed completed at the earliest of the following times:

(1)               when all operations to be performed by or on behalf of the Named Insured under the contract have been completed,

(2)               when all operations to be performed by or on behalf of the Named Insured at the site of the operations have been completed, or

(3)               when the portion of the work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.

Operations which may require further service or maintenance work, or correction, repair or replacement because of any defect or deficiency, but which are otherwise complete, shall be deemed completed.

Subject otherwise to the terms, conditions and exclusions of this Policy.

L-K-p-061  Business Trip Abroad

It is hereby agreed and understood that this Policy is extended to cover the Insured against the liability arising out of an accident occurring during the business trip abroad of the Insured’s employee(s).

Subject otherwise to the terms, conditions and exclusions of this Policy.

 

   L-K-p-062  自动承保新地点条款

兹经双方同意,本保险的赔偿将自明细表中描述的新置财产建成或获得,或其转移至被保险人名下,或被保险人开始对其负责(除非有其他保险存在)时起,自动适用于和包括其所引致的被保险人的法律赔偿责任。双方同意,被保险人应在获得上述财产的    天内通知本公司,并支付日比例的附加保险费。

本保单所载其他条件不变。

 

   L-K-p-063  交叉责任条款B

在被保险人包括不止一方的情况下,本部分的保险将适用于每一方,如同对每一方签发了独立的保险单。保险人同意放弃可能拥有或获得的针对前述任何一方的代位追偿或诉讼权利。

但是保险人的累计责任不得超过本部分的保险所应适用的限额。

本保险单其他条款及条件不变。

 

   L-K-p-064  交叉责任条款C

兹经双方同意,在本保险单中,组成被保险人的每一方将被视为独立可分的单位,“被保险人”一词应视为以同样方式适用于每一方,如同对上述每一方签发了独立的保险单,本公司同意放弃可能拥有或获得的针对上述任何一方的,由于在此进行索赔的意外事故而产生的代位追偿或诉讼权利。

但是本公司的累计责任不得超过明细表中列明的限额。

 

L-K-p-065  停车场责任条款A

本保险扩展承保被保险人停车场内停放的第三者机动车辆(被保险人或其雇员所有的车辆除外)发生损失时,被保险人应负的法律责任。

 

L-K-p-066  停车场责任条款B

兹经双方同意,尽管存在相反规定,本保险扩展承保,因发生意外事故导致处于被保险人控制下的或停放于被保险人场所内或其附近的机动车辆遭受损失时,被保险人应负的法律赔偿责任,但不得超过明细表中列明的限额。

被保险人遵守以下要求是本公司承担责任的先决条件:

() 在机动车辆停放于被保险人场所内或处于其控制之下时,克尽职责防止损失发生;

() 在停车场内张贴并保持本公司认可的免责通知

 

L-K-p-067  救火费用条款B

兹经双方同意,鉴于被保险人已支付了附加保险费,本保险扩展承保被保险人因本保险单明细表列明的营业场所发生火灾所花费的必需的、合理的费用。

 

L-K-p-068  锅炉爆炸条款

兹经双方同意,鉴于被保险人已支付了附加保险费,本保险扩展承保本保险单明细表中列明地点范围内,由于锅炉本身内部压力产生爆炸,造成第三者人身伤亡或财产损失时被保险人应负的赔偿责任。

被保险人应持有有关当局颁发的锅炉合格证书并保证对锅炉由合格技术人员定期进行检查和维修。

 

L-K-p-069  火灾和爆炸责任条款 (中保)

兹经双方同意,鉴于被保险人已支付了附加保险费,本保险扩展承保本保险单明细表列明地点范围内因火灾或爆炸造成第三者人身伤亡或财产损失时被保险人应负的赔偿责任,但不得超过本保险期限内保险单明细表中列明的责任限额。

 (中保)

 (中保)

L-K-p-070  火灾及烟熏扩展条款

兹经双方同意,本保险扩展承保在场所内因火灾或烟熏造成第三者财产损失或人身伤亡时,被保险人应负的法律赔偿责任。

 (中保—燕莎)

L-K-p-071  承租人责任条款B

兹经双方同意,鉴于被保险人已交付了附加保险费,本保险扩展承保被保险人因出租的房屋发生火灾造成第三者人身伤亡或财产损失时应负的赔偿责任。

 (中保)

 

二、     限制类(L-X-p

    L-X-p-001  Sanctions Related Exclusion

The Insurer is not liable to make any payments for liability under any coverage sections of this policy or make any payments under any extension:

For any loss of claim arising in, or where the Insured or any beneficiary under the Policy is a citizen or instrumentality of the government of, any country(ies) against which any laws and/or regulations governing this Policy and/or the Insurer, its parent company or its ultimate controlling entity have established an embargo or other form of economic sanction which have the effect of prohibiting the Insurer to provide insurance coverage, transacting business with or otherwise offering economic benefits to the Insured or any other beneficiary under the Policy.

It is further understood and agreed that no benefits or payments will be made to any beneficiary(ies) who is/are declared unable to receive economic benefits under the laws and/or regulations governing this Policy and/or the Insurer, its parent company or its ultimate controlling entity.

 

    L-X-p-002  Master Program Memorandum

Any reference to the “Co-Insurers” wherever it appears in this Memorandum shall be deemed to mean the Co-Insurers named below or the Co-Insurers whose names are, with the consent of the _______________, substituted for such Co-Insurers by a memorandum signed by or on behalf of all the Co-Insurers concerned.

   The liability of the Insurers shall in no case exceed in respect of each item the sum expressed in the Schedule to be insured thereon or in the whole the total sum insured or in the limit of liability hereby, or such other sum(s) or limit(s) as may be substituted therefore by memorandum hereon or attached hereto signed by or on behalf of the Insurers.

   It is understood and agreed that this Policy (hereinafter referred to as the “Local Underlying Policy”), issued by ________________, is part of a multi-national overseas property insurance program concluded between _____________ (named in this Memorandum) and ___________________ (hereinafter called “the Leading Co-Insurer”) under the Master Policy (as per policy/reference numbers specified in this Memorandum), and that in case of ___________________, the Master Policy shall always prevail.

It is further noted and agreed that notwithstanding that ______________________________ has issued the Local Underlying Policy for a 100% participation in this territory, the liability of the Co-Insurers under the Master Policy (named in this Memorandum and hereinafter referred to as the “Co-Reinsurer(s)” under the Local Underlying Policy) shall attach simultaneously with that of the Leading Co-Insurer / ________________________. In the event of a claim under the Local Underlying Policy, the Co-Reinsurers agrees that, if required by the Leading Co-Insurer/ _______________________, payment hereunder shall take place at the same time as settlement or advance of funds under the Local Underlying Policy. Additionally, the Leading Co-Insurer / ____________________ may, at its option demand prompt payment of any claim amount from Co-Reinsurers, and the Co-Reinsurers will promptly pay such amounts. 

   The Leading Co-Insurer, each of the other Co-insurers and the Insured shall note and agree that the Liability of the Leading Co-insurer and each Co-insurer under this contract of insurance are solely limited to the extent of their individual co-insurance proportions, and are not responsible for the share of any other Co-insurer who for any reason does not satisfy all or part of its obligations.

Furthermore, being part of a worldwide program, the coverage provided by the Local Underlying Policy expires on the date and/or time shown in the schedule. The policy is not renewed unless the Insured is specifically advised to the contrary.

 

L-X-p-003  Industries, Seepage, Pollution and Contamination Clause (for countries other than USA/Canada)

This Insurance does not cover any liability for:

1.       Personal Injury or Bodily Injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination, provided always that this paragraph 1. shall not apply to liability for Personal Injury or Bodily Injury or loss of or physical damage to or destruction of tangible property, or loss of use of such property damaged or destroyed, where such seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the period of this Insurance.

2.       The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances unless the seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the period of this Insurance.

3.       Fines, penalties, punitive or exemplary damages.

This Clause shall not extend this Insurance to cover any liability which would not have been covered under this Insurance had this Clause

 

L-X-p-004  Absolute Pollution Exclusion for USA/Canada

Notwithstanding anything contained to the contrary it is hereby understood and agreed that this Policy shall not be liable in respect of injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination in United States of America, Canada and their respective protectorates and territories.

 

L-X-p-005  Liquidated Damages Exclusion

Notwithstanding anything contained herein to the contrary, it is understood and agreed that this Policy does not cover any liability arising out of or in any way connected with fines, penalties liquidated or aggravated damages.

 

L-X-p-006  Pure Financial Loss Exclusion

Notwithstanding anything contained in this Policy to the contrary, it is understood and agreed that cover provided by this Policy does not apply to any financial loss that is not a direct result of Bodily Injury and/or Property Damage covered under the terms and conditions of this Policy

The Company shall be under no obligation to defend any such lawsuits brought against the Insured.

 

L-X-p-007  Toxic Mold Exclusion

It is hereby understood and agreed that this Policy does not apply to any claim, loss, suit, injury, damage, cost or expense, including, but not limited to, losses, cost or expenses related to, arising from, associated with clean-up, remediation, containment, removal or abatement, caused directly or indirectly, in whole or in part, by:

A.           Any “Fungus (I), Mold(s), mildew or yeast, or

B.           Any “Spore(s) or toxins created or produced by or emanating from such Fungus (I), Mold(s), mildew or yeast, or

C.           Any substance, vapour, gas or other emission or organic or inorganic body or substance produced by or arising out of any “Fungus(I)”, Mold(s), mildew or yeast, or

D.           Any material, product, building component, building or structure, or any concentration of moisture, water or other liquid within such material, product, building component, building or structure, that contains, barbers, nurtures or acts as a medium for any “Fungus(I)”, Mold (s) , mildew, yeast, or “spore(s) or toxins emanating therefrom,

Regardless of any other cause, event, material, product and/or building component that contributed concurrently or in any sequence to that loss, injury, damage, cost or expense.

For the purpose of this Exclusion, the following definitions are added to the Policy:

“Fungus(I) includes, but is not limited to, any plants or organisms belonging to the major group Fungi, lacking chlorophyll, and including molds, rusts, mildews, smuts and mushrooms.

“Mold(s)” includes, but not limited to, any superficial growth produced on damp or decaying organic matter or on living organisms, and fungi that produce molds.

“Spore(s)” means any dormant or reproductive body produced by or arising or emanating out of any “Fungus(I), “Mold(s)”, mildew, plants, organisms or microorganisms.

 

L-X-p-008  US Domiciled Operation Exclusion

Notwithstanding anything contained herein in this Policy to the contrary, it is understood and agreed that this Policy does not cover any liability in respect of US domiciled operation.

 

    L-X-p-009  War & Terrorism Exclusion Endorsement (WTE)

   Notwithstanding any provision to the contrary within this Policy or any endorsement thereto it is agreed that this insurance excludes loss, damage, liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;

  (1)      war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or

  (2)      any act of terrorism.

  For the purpose of this Endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

  This Endorsement also excludes loss, damage, liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to   (1) and/or (2) above.

  If the Company alleges that by reason of this exclusion, any loss, damage, liability, cost or expense is not covered by this Policy the burden of proving the contrary shall be upon the Insured.

  In the event any portion of this Endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

 

   L-X-p-010  Cyber Risks Clause

   This Insurance Policy does not apply to any liability damages or losses arising from or in connection with

   a)     the use or misuse of the internet or similar facilities or

   b)     loss of service or loss of use of the internet or similar facilities or

   c)     e-commerce and related activities and exposures

  For the purpose of this Exclusion such damages or losses shall refer but not limited to the following

   1)     transmission of computer virus

   2)     unauthorized access

   3)     unauthorized use

   4)     infringement of data privacy

   5)     infringement of intellectual property rights (including but not limited to trademark copyright or patent)

 

   L-X-p-011  Date Recognition

   The Policy will not apply to any liability for Loss or Damage or costs of any nature whatsoever directly or indirectly caused by, consisting of, arising from or relating to

   1) any malfunction, failure, breakdown or any inability to perform in whole or in part of any

       a) computer software, computer hardware, embedded chips, integrated circuit or similar device in non-computer equipment, or

       b) system, process, service or product dependent on any of the aforementioned; or

  2) any preventive or remedial effort or lack thereof to remedy, correct, change, or convert any of (1) [(a) and (b)] above; or

  3) any advice, service, consultation, design, evaluation or inspection; or

  4) any duty to disclose and/or failure to disclose the costs, expenses, material facts or financial effects to remedy, correct, change or convert any of (1) [(a) and b)] above;

  as a result of problems related to calendar date-recognition, which for the purposes of this clause will mean any failure to

  i) correctly recognise any date as its true calendar date; or

  ii) capture, save or retain, and/or correctly to manipulate, interpret or process any data or information or command or instruction as a result of any date not being treated as its true calendar date; or

  iii) capture, save or retain, and/or correctly to manipulate, interpret or process any data as a result of the operation of any information or command or instruction which has been programmed into any computer software system or network [as described above under (1)] being information, a command or an instruction which causes the loss of data or the inability to capture, save or retain and/or correctly manipulate, interpret or process such data on or after any calendar date.

   L-X-p-012  Seepage, Pollution and Contamination Pollution Clause

   This Insurance does not cover any liability for:

   (1)    Personal Injury or Bodily Injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination, provided always that this paragraph (1) shall not apply to liability for Personal Injury or Bodily Injury or loss of or physical damage to or destruction of tangible property, or loss of use of such property damaged or destroyed, where such seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the period of this Insurance.

   (2)    The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances unless the seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the period of this Insurance.

   (3)    Fines, penalties, punitive or exemplary damages.

   This Clause shall not extend this Insurance to cover any liability which would not have been covered under this Insurance had this Clause not been attached.

 

   L-X-p-013  Asbestos Exclusion

   This Policy does not cover any loss, costexpense or liability directly or indirectly arising out of, resulting as a consequence of, or related to the manufacture, mining, processing, distribution, testing, remediation, removal, storage, disposal, sale, use of or exposure to asbestos or materials or products containing asbestos whether or not there is another cause of loss which may have contributed concurrently or in any sequence to a loss.

 

三、  (海达—燕莎)规范类(L-G-p

L-G-p-011  附加被保险人条款

如果列明被保险人与任何个人或组织签定的合同,要求该个人或组织包括于本保险单项下,则本保险单所提供人身伤害责任、人身侵害责任及财产损失责任等保险,将视其为附加被保险人适用于该个人或组织,但仅限于其所有的场所或列明被保险人为其进行的工作引起的有关责任。

在此提供的保险以下列规定为条件:

() 此保险不适用于上述附加被保险人在任何合同或协议项下承担的责任;

() 无论何种情况,此保险的限额不得超过本保险单中列明的责任限额;

() 此保险的责任限额不得与本保险单合同责任保险部分列明的责任限额相累积。

 

L-G-p-012  补充规定 (中保—燕莎)

本保险扩展承保,在本保险期限内,场所内发生被保险人居留侨民的意外的人身伤害时,被保险人应负的法律赔偿责任。

 

L-G-p-013  Currency Exchange Clause

When currency conversion is necessary when applying terms and conditions of this Policy, the rates of exchange to be adopted shall be those prevailing:

-       for initial premium settlement, at policy inception date as per the exchange rate quoted on       .

-       for mid term premium adjustment, at the date when such change takes effective as per the exchange rate quoted on        .    

-       for year-end premium adjustment, at the expiry date of the policy as per the exchange rate quoted on        .

-       for loss settlement, at the date of final settlement of loss as per the exchange rate quoted on        . However, should the Insured incurs and pays any claim settlement at the consent of the loss adjuster and/or the Insurers, then the exchange rate to be used for the calculation of settlement of such claims payment shall follow the exchange rate used under the payment made by the Insured.

 

L-G-p-014  Pay as Paid Clause

Insured: _____________________________

Insurer: ______________________________

Ultimate Reinsurer: ____________________

Registered address:_____________________

It is hereby noted and agreed by the Insured that the Insurer shall not be liable to pay any money in respect of the percentage of any loss under this policy that is reinsured to the Ultimate Reinsurer (____________) unless the same liability has been admitted by _______________ for such percentage of the loss.

It is further noted and agreed by the Insured that at the time of settlement of a claim that is covered under this policy, the Insurer will pay the claim for such percentage of the loss that is reinsured to the Ultimate Reinsurer (___________) only upon receipt from the Ultimate Reinsurer (______________) of the funds representing the percentage of the loss payable by the Ultimate Reinsurer (_______________).

 

L-G-p-015  Notice of Cancellation by Insurers (Immediate Notice of Cancellation by Insured)

The insurance may at any time be terminated at the option of the insurer, giving ____ days’ notice to that effect being giving to the Insured, in which case the Insurer shall be liable to repay on demand a ratable proportion of the premium for the unexpired terms from the date of the Cancellation.

The insurance may also at any time be terminated at the option of the insured, giving immediate notice to that effect being giving to the Insurer, in which case the Insured shall be charged on a short period premium for the expired terms from the date of inception.