产品责任保险条款

产品责任保险条款

一、责任范围

在保险期间内，由于被保险人所生产、出售的产品或者商品在承保区域内发生意外事故，造成使用、消费或者操作该产品或者商品的人或者任何他人的人身伤害、疾病、死亡或者财产损失，依法应当由被保险人承担的经济赔偿责任，保险人根据本保险合同的约定负责赔偿。

被保险人事先经保险人书面同意支付的因发生保险事故而被提起诉讼或者仲裁所发生的诉讼费用、律师费用和必要、合理的其他费用,保险人也负责赔偿,但本项费用与前款约定的责任赔偿金额之和以本保险合同明细表中列明的责任限额为限。

二、责任免除

保险人对下列各项不负责赔偿：

（一）被保险人根据其与他人的协议应当承担的责任，但即使没有这种协议，被保险人仍应承担的责任不在此限；

（二）根据劳动法应当由被保险人承担的责任；

（三）根据雇佣关系应当由被保险人对雇员承担的责任；

（四）保险产品本身的损失;

（五）产品或者商品退换、召回产生的损失;

（六）被保险人所有、保管或者控制的财产的损失;

（七）被保险人故意违法生产、出售的产品或者商品造成任何人的人身伤害、疾病、死亡或者财产损失;

（八）保险产品或者商品造成各种污染所引起的责任;

（九）保险产品或者商品造成对飞机、船舶或者飞行器损害的责任;

（十）由于战争、类似战争行为、敌对行为、武装冲突、恐怖活动、谋反或者政变直接或者间接引起的任何后果所致的责任;

（十一）由于罢工、暴动、民众骚乱或者恶意行为直接或者间接引起的任何后果所致的责任;  

（十二）由于核裂变、核聚变、核武器、核材料、核辐射或者放射性污染所引起的直接或者间接的责任;

（十三）罚款、罚金或者惩罚性赔款;

（十四）保险单明细表或者本保险合同条款中约定的应当由被保险人自行负担的免赔额。

三、赔偿处理

（一）若发生本保险合同承保的任何意外事故或者相关的诉讼、仲裁，则：

1.未经保险人书面同意，被保险人或者其代表对第三者自行做出的任何承诺或者拒绝、出价、约定、付款或者赔偿，对保险人不产生约束力，保险人有权另行核定。在必要时，保险人有权以被保险人的名义接办对任何诉讼的抗辩或者索赔的处理；

2.保险人有权以被保险人的名义，为保险人的利益自付费用向任何责任方提出索赔的要求。未经保险人书面同意，被保险人不得接受责任方就有关损失做出的付款或者赔偿安排或者放弃对责任方的索赔权利，否则，由此引起的后果将由被保险人承担；

3.在诉讼或者处理索赔过程中，保险人有权自行处理任何诉讼或者解决任何索赔案件，被保险人有义务向保险人提供一切所需的资料和协助。

（二）生产出售的同一批产品或者商品，由于同样原因造成多人的人身伤害、疾病或者死亡或者多人的财产损失，应当视为一次事故造成的损失。

（三）被保险人请求赔偿的权利，自其知道保险事故发生之日起二年不行使而消灭。

四、被保险人义务

被保险人及其代表应当严格履行下列义务：

（一）被保险人或者其代表在投保时，对投保申请书中列明的问题以及保险人提出询问的其他有关问题应当如实告知；

（二）被保险人及其代表应当根据保险单明细表或者批单中的约定按期交付保险费；

（三）保险期间届满后，被保险人应当将保险期间生产、出售的产品或者商品的总值书面通知保险人，作为计算实际保险费的依据。若实际保险费高于预收保险费，被保险人应当补交其差额；反之，若预收保险费高于实际保险费，保险人退还其差额。但实际保险费不得低于保险单明细表或者批单中约定的最低保险费。

在保险期间内的任何时候，保险人有权要求被保险人提供一定期限内所生产、出售的产品或者商品总值的数据。保险人还有权派员检查被保险人的有关账册或者记录并核实上述数据。

（四）一旦发生保险事故，被保险人或者其代表应当：

1.立即通知保险人，并在七天或者经保险人书面同意延长的期限内以书面报告提供事故发生的经过、原因和损失程度；

2.在预知可能引起诉讼时，立即以书面形式通知保险人，并在接到法院传票或者其他法律文件后，立即将其送交保险人；

3.根据保险人的要求提供作为索赔依据的所有证明、资料和单据。

（五）若在某一保险产品或者商品中发现的缺陷表明或者预示类似缺陷也存在于其他保险产品或者商品中，被保险人应当立即自付费用进行调查、检验并纠正该缺陷。否则，由于类似缺陷造成的一切损失应当由被保险人自行承担。

五、总则

（一）保单效力

被保险人严格地遵守和履行本保险合同的各项规定，是保险人在本保险合同项下承担赔偿责任的先决条件。

（二）保单无效

如果被保险人或者其代表漏报、错报、虚报或者隐瞒有关本保险的实质性内容，则本保险合同无效。

（三）风险变更

保险期间，被保险人若生产、出售某种新产品或者保险产品的化学成份有所变动，应当在十天内书面通知保险人，并根据保险人的要求，缴纳应当增加的保险费，否则本保险将不扩展承保该产品。

除非经保险人书面同意，本保险合同将在下列情况下自动终止:

1.被保险人丧失保险利益；

2.承保风险扩大。

本保险合同终止后，保险人将按日比例退还被保险人本保险合同项下未到期部分的保险费。

（四）保单注销

投保人可随时书面申请注销本保险合同，保险人亦可提前十五天通知投保人注销本保险合同。对本保险合同已生效期间的保险费，前者保险人按月比例计收，后者按日比例计收。

（五）权益丧失

如果被保险人在未发生保险事故的情况下，谎称发生了保险事故，保险人有权解除保险合同，并不退还保险费；如果被保险人故意制造保险事故，保险人有权解除保险合同，不承担赔偿责任，也不退还保险费；如果被保险人编造虚假的事故原因或者夸大损失程度，保险人对其虚报部分不承担赔偿责任。

（六）合理查验

保险人的代表有权在任何适当的时候对被保险人的房屋、机器、设备、工作和产品或者商品的风险情况进行现场查验。被保险人应当提供一切便利及保险人要求的用以评估有关风险的详情和资料，但上述查验并不构成保险人对被保险人的任何承诺。保险人的检查人员如发现任何缺陷或者危险时，将以书面通知被保险人，在该项缺陷或者危险未被排除并使保险人认为满意之前，对其有关的或者因此引起的一切责任保险人概不负责。

（七）重复保险

本保险合同负责赔偿损失、费用或者责任时，若另有其他保障相同的保险存在，不论是否由被保险人或者他人以其名义投保，也不论该保险赔偿与否，保险人仅负责按比例分摊赔偿的责任。

（八）权益转让

若本保险合同项下负责的损失涉及其他责任方时，不论保险人是否已赔偿被保险人，被保险人应当立即采取一切必要的措施行使或者保留向该责任方索赔的权利。在保险人支付赔款后，被保险人应当将向该责任方追偿的权利转让给保险人，移交一切必要的单证，并协助保险人向责任方追偿。

（九）争议处理

   因本保险合同发生的争议，应友好协商解决；协商不成的，可提交本保险合同载明的仲裁机构仲裁；本保险合同未载明仲裁机构或者争议发生后未达成仲裁协议的，可

依法向有管辖权的人民法院起诉。

六、特别条款

下列特别条款适用于本保险合同的各个部分，若其与本保险合同的其他规定相冲突，则以下列特别条款为准。
PRODUCTS LIABILITY INSURANCE CLAUSES

Ⅰ.COVERAGE

The Company will indemnify the Insured in the manner and withinthe limit of liability specified in the Schedule against such sums as theInsured shall become legally liable to pay in respect of claims made againstthe Insured arising from bodily injury to or illness or death of or loss of ordamage to property of one or more persons using, consuming or handling theinsured products or goods, or of any other persons consequent upon anoccurrence taking place in the territory of coverage within the period ofinsurance caused by products or goods manufactured or sold by the Insuredstated in the Schedule.

In respect of any claim covered under this Policy, the Companyshall in addition indemnify the Insured against the relevant legal costspayable by the Insured and other expenses incurred in the above mentionedoccurrence with the prior written consent of the Company, but the totalliability of the Company for the sums of compensation and the legal costs andexpenses shall in no way exceed the limit of indemnity stated in the Schedule.

Ⅱ.EXCLUSIONS

The Company shall not be liable for:

1. liability assumed in accordance with any agreement between theInsured and other parties, unless such liability would have been attached tothe Insured notwithstanding such agreement;

2. liability assumed by the insured under any Labour Law orWorkmen’s Compensation Statute;

3. liability of the Insured to employees which is based on therelationship of Master and Servant;

4. loss of or damage to the insured products;

5. costs arising out of replacement of recall of the insuredproducts;

6. loss of or damage to property belonging to or held in care,custody or control or the Insured;  

7. bodily injury, illness or death or damage to propertysustained by any person caused by products or goods manufactured or sold by theInsured in willful violation of any law;

8. liability arising out of pollution of any kind ordescription whatsoever such as atmosphere, land and water caused by the insuredproducts;

9. liability for loss of or damage to the aircrafts or shipscaused by the insured products;

10. liability for any consequence arising directly ofindirectly from war, warlike operation, hostilities, armed conflicts,terrorism, conspiracy insurrection, coup, etc;

11. liability for any consequence arising directly orindirectly from strike, riot, civil commotion or malicious acts;

12. liability arising directly or indirectly from nuclearfission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiationand radioactive contamination;

13. fines, penalties, punitive or exemplary indemnities;

14. the deductibles stated in the Schedule or stipulated in thePolicy to be borne by the Insured.

Ⅲ.TREATMENT OF CLAIM

1. In the event of any claim recoverable under this Policy;

1.1 no admission, rejection, offer, promise, payment orindemnity shall be made or given by or on behalf or the Insured or hisrepresentative without the written consent of the Company. And the Companyshall be entitled, if it so desires, to take over and conduct in the name ofthe Insured the defence or settlement of any claim;

1.2 the Company shall be entitled, at its own expense and forits own benefit, to lodge in the name of the Insured any claim for indemnityagainst any persons, Without the written consent of the Company, the Insuredshall not accept the payment or arrangement of indemnity in respect of the lossor damage offered by any party held responsible for such loss or damage andshall not abandon the right of recovery from such party, otherwise, the insuredshall be liable for any consequence arising therefrom;

1.3 the Company shall have full discretion to conduct anyproceedings or settle any claim, and the Insured shall give all suchinformation and assistance as the Company may require,  

2. Bodily injury or illness or death or damage to property ofmore than one person arising from same lot of products or goods manufactured, solddue to the same cause shall be considered as resulting from one occurrence.

3. The time of validity of a claim under this insurance shallnot exceed a period of two years counting from the date of loss.

Ⅳ.INSURED’S OBLIGATIONS

The following Obligations shall be strictly fulfilled by theInsured and his representative:

1. The Insured and his representative, when applying forinsurance shall make true answers or descriptions to the questions in the questionsraised by the Company.

2. The Insured and his representative shall pay to the Companyin due course the agreed premium in the manner as provided in the Schedule andEndorsements.   3. Uponexpiration of this insurance, the Insured shall furnish in writing with astatement of actual gross value of the products or goods manufactured, sold bythe Insured during the currency of this insurance as basis for calculating theactual premium. In the event the actual premium is more than the depositpremium, the Insured shall pay the difference to the Company, and if less, theCompany will refund the difference to the insured. But in no case the actualpremium shall be less than the minimum premium as required.

The Company shall have the right to require of the Insured atany time within the insurance period a statement of the entire amount of thetotal products or goods manufactured, and/or sold by the Insured during anyspecified part of the said period. The Company shall also have the right toauthorize their representative to examine the books and records of the Insuredto verify the above relevant figures.  4. In the event of any occurrence which givesor might give rise to a claim under this Policy, the Insured or hisrepresentative shall:

4.1 notify the Company immediately and, within seven(7)days orany further period as may be agreed by the Company in writing, furnish awritten report to indicate the course, probable reason and extent of loss ordamage;

4.2 immediately give notice to the Company in writing wheneverhaving knowledge of any impending prosecution in connection with any accidentfor which there may be liability under this Policy, and forward to the Companyevery letter, writ, summons or process or other court documents on receiptthereof;

4.3 furnish all such information and documentary evidence asthe Company may require for supporting the claim.

5. if discovery of a defect in any products or goods insuredshall indicate or suggest that similar defect exists in other products or goodsinsured, the Insured shall, at his own expenses. investigate and rectifyforthwith the defect in such other products or goods. Otherwise, all loss ordamage arising out of the said defect shall be borne by the Insured. 

Ⅴ.GENERAL CONDITIONS

1. Policy Effect

The due observance and fulfillment of the terms and conditionsof this Policy in so far as they relate to anything to be done or complied withby the Insured shall be a condition precedent to any liability of the Companyunder this Policy.

2. Policy Voidance

This Policy shall be voidable in the event of misrepresentation,misdescription or non-disclosure made by the Insured or his representative inany material particular in respect of this insurance.

3. Risk Change

3.1 In the eventthe Insured manufactures, and/or sells a new product or products or there isany material change in chemical composition of any product or products insuredhereunder during the period of insurance, the Insured shall give the Company anotice in writing within ten (10) days from the date of manufacture and salethereof to the Company and a suitable additional premium shall be paid at therequest of the Company, otherwise this insurance shall not extend to cover suchproduct or products.

3.2 Unless its continuance be admitted by the Company inwriting, this Policy shall be automatically terminated if:

3.2.1 theinsurable interest of the Insured is lost;

3.2.2 the riskof loss or damage is increased.

After termination of the Policy, the premium shall be refundedto the Insured calculated on a pro rata daily basis for the period from thedate of termination to the date of expiry.

4. Policy Cancellation

This Policy may be cancelled at any time at the request of theApplicant in writing or at the option of the Company by giving a fifteen (15)days prior notice to the Applicant, In the former case the Company shall retaina premium calculated on short term rate basis for the time the Policy has beenin force while in the latter case such premium shall be calculated on pro ratadaily basis

5. Forfeiture of Benefit

If the claim is in any respect fraudulent, or if any fraudulentmeans or devices are used by the Insured or his representative to obtain anybenefit under this Policy or if any loss or damage is occasioned by theintentional act or in the connivance of the Insured or his representative, thenin any of these cases, all the rights and benefits of the Insured under thisPolicy shall be forfeited, and all consequent losses arising therefromincluding the amount of claim paid by the Company shall be indemnified by theInsured.

6. Reasonable Inspection

The representative of the Company shall at any suitable time beentitled to attend the site and inspect or examine the risk exposure ofbuildings, machinery, equipments, working process and products or goods of theInsured. For this purpose, the Insured shall provide full assistance and alldetails and information required by the Company as may be necessary for theassessment of the risk. The above mentioned inspection or examination shall inno circumstances be held as any admission of liability to the Insured by theCompany.

In the event of any defect or danger being apparent to theCompany’s inspector. the Company may give notice in writing to the Insured andthereupon all liability of the Company in respect thereof or arising therefromshall be suspended until the same be cured or removed to the satisfaction ofthe Company.

7. Double Insurance

Should any loss, damage, expenses or liability recoverableunder the Policy be also covered by any other insurance, the Company shall onlybe liable to pay or contribute his proportion of the claim irrespective as towhether the other insurance is arranged by the Insured or others on his behalf,or whether any indemnification is obtainable under such other insurance.

8. Subrogation

Where a third party shall be heldresponsible for the loss or damage covered under this Policy, the Insuredshall, whether being indemnified by the Company or not, take all necessarymeasures to enforce or reserve the right of recovery against such third party,and upon being indemnified by the Company, subrogate to the Company all theright of recovery, transfer all necessary documents to and assist the Companyin pursuing recovery from the responsible party.

9. Dispute

All disputes under this insurance arisingbetween the Insured and the Company shall be settled through friendlynegotiations. Where the two parties fail to reach an agreement afternegotiations, such dispute shall be submitted to arbitration or to court forlegal actions. Unless otherwise agreed, such arbitration or legal action shallbe carried out in place where the defendant is domiciled.

Ⅵ.SPECIAL PROVISIONS

Thefollowing provisions shall be applied to all parts of this Policy and shalloverride the other terms and conditions of this Policy if any conflict arises.