公众责任保险(国内)条款

公众责任保险(国内)条款

保险对象

第一条凡依法设立的企事业单位、社会团体、个体工商户、其他经济组织及自然人，均可作为被保险人。

保险责任

第二条在本保险有效期间内，被保险人在本保险单明细表中列明的地点范围内依法从事生产、经营等活动以及由于意外事故造成下列损失或费用，依法应由被保险人承担的民事赔偿责任，保险人负责赔偿：

（一）第三者人身伤亡或财产损失；

（二）事先经保险人书面同意的诉讼费用；

（三）发生保险责任事故后，被保险人为缩小或减少对第三者人身伤亡或财产损失的赔偿责任所支付必要的、合理的费用。

上述第（一）与第（二）项每次事故赔偿总金额不得超过本保险单明细表中列明的每次事故赔偿限额；第（三）项每次事故赔偿金额不得超过本保险单明细表中列明的每次事故赔偿限额。

责任免除

第三条下列原因造成的损失、费用和责任，保险人不负责赔偿：

（一）被保险人及其代表的故意或重大过失行为；

（二）战争、敌对行为、军事行为、武装冲突、罢工、骚乱、暴动、盗窃、抢劫；

（三）政府有关当局的没收、征用；

（四）核反应、核子辐射和放射性污染；

（五）地震、雷击、暴雨、洪水、火山爆发、地下火、龙卷风、台风、暴风等自然灾害；

（六）烟熏、大气、土地、水污染及其他污染；

（七）锅炉爆炸、空中运行物体坠落；

（八）直接或间接由于计算机2000年问题引起的损失。

第四条被保险人的下列损失、费用和责任，保险人不负责赔偿：

（一）被保险人或其代表、雇佣人员人身伤亡的赔偿责任，以及上述人员所有的或由其保管或控制的财产的损失；

（二）罚款、罚金或惩罚性赔款；

（三）被保险人与他人签订协议所约定的责任，但应由被保险人承担的法律责任不在此列。

第五条下列属于其他险种保险责任范围的损失、费用和责任，保险人不负责赔偿：

（一）被保险人或其雇员因从事医师、律师、会计师、设计师、建筑师、美容师或其他专门职业所发生的赔偿责任；

（二）不洁、有害食物或饮料引起的食物中毒或传染性疾病，有缺陷的卫生装置，以及售出的商品、食物、饮料存在缺陷造成他人的损害；

（三）对于未载入本保险单而属于被保险人的或其所占有的或以其名义使用的任何牲畜、车辆、火车头、各类船只、飞机、电梯、升降机、自动梯、起重机、吊车或其他升降装置造成的损失；

（四）由于震动、移动或减弱支撑引起任何土地、财产、建筑物的损害责任。被保险人因改变、维修或装修建筑物造成第三者人身伤亡或财产损失的赔偿责任；

（五）被保险人及第三者的停产、停业等造成的一切间接损失。

第六条未经有关监督管理部门验收或经验收不合格的固定场所或设备发生火灾爆炸事故造成第三者人身伤亡或财产损失的赔偿责任，保险人不负责赔偿；

因保险固定场所周围建筑物发生火灾、爆炸波及保险固定场所，再经保险固定场所波及他处的火灾责任，保险人不负责赔偿。

第七条下列原因造成的损失、费用和责任，保险人不负责赔偿：

（一）被保险人因在本保险单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的第三者人身伤亡或财产损失；

（二）被保险人因在本保险单列明的固定场所内布置的广告、霓虹灯、灯饰物发生意外事故造成的第三者人身伤亡或财产损失；

（三）被保险人因在本保险单列明的地点范围内所拥有、使用或经营的停车场发生意外事故造成的第三者人身伤亡或财产损失；

（四）被保险人因出租房屋或建筑物因以下事故造成第三者人身伤亡或财产损失的赔偿责任：

1.火灾、爆炸等意外事故；

2.因暴雨、雷击、积雪而突然倒塌；

3.因年久失修发生突然倒塌；

4.在维修、安装过程中发生的意外事故。

第八条本保险单列明的或有关条款中规定的应由被保险人自行负担的免赔额，保险人不负责赔偿。

第九条其他不属于本保险责任范围内的一切损失、费用和责任，保险人不负责赔偿。

被保险人义务

第十条投保人应履行如实告知义务，如实回答保险人就保险标的或者被保险人的有关情况提出的询问。

投保人故意或者因重大过失未履行如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。

投保人故意不履行如实告知义务的，保险人对于保险合同解除前发生的保险事故，不承担赔偿责任，并不退还保险费；投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于保险合同解除前发生的保险事故，不承担赔偿责任，但可以退还保险费。

第十一条除另有约定外，投保人应按照保险合同的约定一次性交清保险费。

投保人未按照保险合同的约定及时足额交付保险费的，保险人可解除保险合同，保险合同自保险人解除保险合同的书面通知送达投保人时解除，保险人有权向投保人收取保险责任开始时至保险合同解除时期间的保险费。

第十二条在保险期间内，如保险标的的危险程度增加的，被保险人应及时通知保险人，保险人有权要求增加保险费或解除合同。

被保险人未履行前款规定的通知义务的，因保险标的的危险程度增加而发生的保险事故，保险人不承担赔偿责任。

第十三条投保人或者被保险人知道保险事故发生后，应当及时通知保险人。故意或者因重大过失未及时通知保险人，致使保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担赔偿责任。

第十四条发生本保险责任范围内的事故，被保险人应该：

（一）尽力采取必要、合理的措施防止或减少损失，否则，对因此扩大的损失，保险人不承担赔偿责任；

（二）立即通知保险人，并书面说明事故发生的原因、经过和损失情况；对因未及时通知导致保险人无法对事故原因进行合理查勘的，保险人不承担赔偿责任；对因未及时通知导致保险人无法核实损失情况的，保险人对无法核实部分不承担赔偿责任。

第十五条  被保险人获悉可能发生诉讼、仲裁时，应立即以书面形式通知保险人；接到法院传票或其它法律文书后，应将其副本及时送交保险人。保险人有权以被保险人的名义处理有关诉讼或仲裁事宜，对因未及时提供上述通知或必要协助而扩大的损失保险人不承担赔偿责任。

第十六条被保险人应选用合格的人员并且使拥有的建筑物、道路、工厂、机器、装修的设备处于坚实、良好可供使用状态。同时，应遵照法律法规和政府有关部门的要求，对已经发现的缺陷立即修复，并采取临时性的预防措施以防止发生意外事故。

赔偿处理

第十七条被保险人在收到第三者的损害赔偿请求时，应立即通知保险人。未经保险人书面同意，被保险人自行对第三者做出的任何承诺、拒绝、出价、约定、付款或赔偿，保险人不承担赔偿责任。

第十八条  保险人对每次事故的赔偿金额以法院或政府有关部门依法裁定的或经双方当事人及保险人协商确定的应由被保险人偿付的金额为准，但不得超过本保险单明细表中列明的每次事故赔偿限额及所含人身伤亡每人赔偿限额。在本保险期间内多次事故的累计赔偿金额，不得超过本保险单明细表中列明的累计赔偿限额。

第十九条保险人根据以上第二条《保险责任》的规定对每次事故中被保险人为缩小或减少损失支付必要的、合理的费用及事先经保险人书面同意的诉讼费用予以赔偿。

第二十条被保险人向保险人请求赔偿时，应提交保险单正本、索赔申请、损失清单、有关费用单据、事故证明、支付凭证、裁判文书以及保险人合理要求的、有效的、作为请求赔偿依据的其他必要、证明材料。

被保险人未履行前款约定的单证提供义务，导致保险人无法核实损失情况的，保险人对无法核实部分不承担赔偿责任。

第二十一条发生本保险责任范围内的损失，应由有关责任方负责赔偿的，被保险人应行使或保留行使向该责任方请求赔偿的权利。

保险事故发生后，保险人未赔偿保险金之前，被保险人放弃对第三者的请求赔偿的权利的，保险人不承担赔偿责任。

保险人向被保险人赔偿后，被保险人未经保险人同意放弃对第三者请求赔偿的权利的，该行为无效。

被保险人故意或者因重大过失致使保险人不能行使代为请求赔偿的权利的，保险人可以扣减或者要求返还相应的保险赔偿金。

在保险人向有关责任方行使代位请求赔偿权利时，被保险人应积极协助并提供必要的文件和所知道的有关情况。

第二十二条  本保险单负责赔偿损失、费用或责任时，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，保险人仅负责按本保险的责任限额占本保险和所有其他保险累计相应责任限额的比例分摊赔偿责任。对应由其他保险人承担的赔偿责任，本保险人不负责垫付。

被保险人在请求赔偿时应当如实向保险人说明与本保险合同责任有关的其他保险合同的情况。对未如实说明导致保险人多支付保险赔款的，保险人有权向被保险人追回应由其他保险合同的保险人负责赔偿的部分。

第二十三条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。

争议处理

第二十四条因履行本合同发生的争议，由当事人协商解决；协商不成的，可提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，可依法向人民法院起诉。

本保险合同的争议处理适用中华人民共和国法律。

其他事项

第二十五条保险责任开始前，投保人要求解除保险合同的，应当向保险人支付相当于保险费5%的退保手续费，保险人应当退还剩余部分保险费；保险责任开始后，投保人要求解除保险合同的，自通知保险人之日起，保险合同解除，保险人按短期费率计收保险责任开始之日起至合同解除之日止期间的保险费，并退还剩余部分保险费。

除本保险合同另有约定外，保险人也可提前30日向投保人发出解约通知书解除本保险合同，按日平均计收自保险责任开始之日起至本保险合同解除之日止期间的保险费，并退还剩余部分保险费。

附录：短期费率表

注：不足一个月的按一个月计收。

PUBLIC LIABILITY INSURANCE CLAUSE

Ⅰ.PARTIES TO BE INSURED

1.Those to be insured under this Policy can compriseenterprises, institutions, social groups, individual and private businesses,and other economic organizations legally established as well as natural persons.

Ⅱ.COVERAGE

2.The Insurer hereby agrees to indemnify the Insured againstsuch sums as the Insured shall become legally liable to pay as damages inconsequence ofan accident occurring during the Period of the Insurance, on orabout the premises and in the course of production, trade, or performance ofduties in connection with the business or operations as specified in theSchedule in respect of:  

2.1 bodily injury(including death and illness) or lossof/damage to property of the third party;

2.2 legal costs incurred with prior consent of the Insurer inwriting; and

2.3 necessary and reasonable expenses paid by the Insured toreduce or minimize his liability for injury or damage after occurrence of theaccident.

The total sums payable for the aforementioned Items 2.1 and 2.2for each accident shall in no case exceed the Limit of Indemnity for eachaccident set forth in the Schedule. The sum payable for Item 2.3 shall notexceed the Limit of Indemnity for each accident as specified in the Schedule.

Ⅲ.EXCLUSIONS

3.The Insurer shall not be liable for any loss, expenses andliability caused by or arising from:

3.1 intentional act or gross negligence of the Insured or hisrepresentatives;

3.2 war, hostilities, warlike operations, armedconflicts,strike, civil commotion, riot, theft, burglary or robbery;

3.3 confiscation or requisition by the public authorities;

3.4 nuclear reaction, nuclear radiation or radioactivitycontamination;

3.5 earthquake, lightning, storm, flood, volcanic eruption,subterranean fire, hurricane, typhoon, windstorm and other natural disasters;

3.6 pollution of any kind, including fumes, air, soil or waterpollution;

3.7 explosion of boiler, drop of aerial devices;

3.8 loss directly or indirectly arising from computer Year 2000problems.

4.The Insurer shall not be liable for:

4.1 bodily injury to the Insured, his representatives, or hisemployees, and damage to the property owned by them or in their custody orcontrol;

4.2 fine, penalty or punitive indemnity;

4.3 liability assumed by the Insured in a contract or agreementexcept to the extent that such liability would have been implied by law;

5.The Insurer shall not be liable for the loss, expenses andliability, which should be covered by other insurances, arising from or causedby:

5.1 professional advice or service provided by the Insured orhis employees acting as medical practitioners, lawyers, accountants, designers,architects and beauticians;

5.2 being poisoned or affected by food or drink, unclean orpoisonous or with foreign or deleterious matter therein, or injured bydefective sanitary installations, or harmed by defective commodities, food ordrink sold or supplied;

5.3 loss arising from ownership or possession or use by or onbehalf of the Insured of any animal, vehicle, locomotive, vessel of any kind,aircraft, lift, elevator, escalator, crane, hoist or other lifting machineryunless specified in the Schedule;

5.4 damage to any land, property or building caused byvibration, removal or weakening of support, or injury or damage caused byalteration, maintenance, repair or decoration;

5.5 indirect loss of any kind caused by suspension of businessof the Insured or any Third Party;

6. The Insurer shall not be liable for bodily injury or damageto property caused by fire or explosion occurring on the Insured′sPremises or to the equipment therein, which the public authorities have notchecked and accepted, or have been considered disqualified for safety purposeafter checking. The Insurer shall not pay for any liability incurred due tofire or explosion occurring in the neighboring building, spreading therefrom tothe Insured′s Premises and then further spreadingtherefrom to other places.

7. The Insurer shall not be liable for any loss, expenses andliability caused by or arising from:

7.1 accident occurring in the swimming pool located on theInsured′s premises as specified in the Schedule, and owned orused or operated by the Insured;

7.2 accident occurring to the advertising signs, neon lightsand lamps installed on the Insured′s Premises;

7.3 accident occurring in the parking lot on the Insured′sPremises as specified in the Schedule, and owned or used or operated by theInsured;

7.4 fire occurring in the house or building rented out by theInsured.

8.The Insurer shall not be liable for the excess or deductiblesfor each accident assumed by the Insured as specified in the Schedule,endorsement or other relevant clauses.

9.The Insurer shall not be liable for whatever loss, expensesor liability not covered under the Policy.

Ⅳ.OBLIGATIONS OF THE INSURED

10. The Proposer must perform theobligations of true representations, and faithfully answer the inquiries madeby the Insurer concerning the objects of insurance or the Insured.

If the Proposer refuses to performthe obligations of making true representations deliberately or due to grossnegligence that would be enough to affect the Insurer from making decision ofwhether or not accept the risk or increase the premium, the Insurer has theright to cancel the Policy.

If the Proposer deliberately fails toperform the obligations of true representations, the Insurer will pay indemnityfor the Insured accident occurring prior to the cancellation and will notreturn the premium. If the Insured fails to perform the obligations of truerepresentations due to gross negligence, thereby serious affecting theoccurrence of Insured risks, the Insurer shall not pay indemnity forcontingency that occurs before the contract is cancelled but may return thepremium.

11. Except otherwise agreed, theProposer must pay off the premium in a lump sum.

If the Proposer fails to pay thepremium timely and sufficiently, the Insurer is entitled to cancel the Policyand the Policy will be cancelled at the time a written notice is given to theProposer. The Insurer is entitled to collect the premium from the Proposer forthe covered period from the date of Policy commencement to the date ofcancellation.

12. If during the Policy period, therisks of the object of insurance have increased, the Insured should notify theInsurer thereof, and the Insurer has the right to claim for an additionalpremium or to terminate the Policy.

If the Proposer fails to perform hisobligations to notify, the Insurer will not to pay indemnity for the occurrenceof the Insured contingencies as a result of the increased risks.

13 In the event of anoccurrence, the Proposer and the Insured must notify the Insurer immediately,stating the course, reason and extent of the loss; If they fail to notifydeliberately or due to gross negligence, resulting in inability to ascertainthe nature, reason or extent of the loss, the Insurer will not pay for thatportion of the loss unascertainable.

14. In the event of an occurrence,the Insured must take necessary and reasonable measures to prevent or mitigatethe loss, otherwise, the Insurer will not pay for the aggravated loss.

15. Whenever having knowledge of anyimpending prosecution against the Insured, the Insured must immediately notifythe Insurer in writing, and forward to the Insurer every letter, writ, summonsor process or other court documents on receipt thereof. The Insurer has theright to deal with any suit or arbitration on the Insured’s behalf. The Insurerwill not pay for any aggravated loss resulting from the Insured’s failure tonotify timely.

16. The Insured shall exercisereasonable care to employ qualified employees, to maintain all buildings,paths, works, plants, machinery, fittings and equipment in sound and properorder and fit for the purpose of their use, and to make good any defectsbrought to his notice, and to take temporary precautions to prevent accident asrequired by all laws and byelaw and regulations imposed by the publicauthorities.

Ⅴ.CLAIM

17. Having received a claim fordamages from the third party, the Insured must notify the Insurer immediately.The Insured will not be bound by any admission, rejection, offer, promise,payment or indemnity made by the Insured without the Insurer’s prior consentand the Insurer has the right to check and verify the loss again.

18.The sums recoverable under theinsurance shall be determined by the agreement reached between the partiesinvolved, or by the judgment of the court or the government departmentconcerned according to the relevant laws or regulations, but in no case exceedthe Limit of Indemnity for each accident including the Limit of Indemnity forbodily injury to any one person in each accident as specified in the Schedule.During the Period of Insurance, the total sums payable for more than oneaccident shall not exceed the aggregate Limit of Indemnity as specified in theSchedule.

19.The Insurer shall indemnify theinsured for reasonable and necessary expenses paid for reducing or minimizingthe loss, and for legal costs paid with the Insurer's prior consent in writingas provided in Clause 2 in thepart of Coverage.

20. Filing a claim with the Insurer,the Insured must present to the Insurer the original Policy, statement ofclaim, receipts of expenditures, certificates of loss, payment certificates,court or arbitration judgment and any other certificates and materialsreasonably required for by the Insurer and applicable as an valid evidence ofthe loss claimed for.

21. In the event of any occurrencefor which a third party should be held responsible, the Insured must exerciseor preserve the right to exercise recovery from the third party.

If, after the occurrence, the Insuredhas abandoned his right of recovery prior to the Insurer’s payment, the Insurershall not indemnify.

If, after the Insurer has paidindemnity to the Insured, the Insurer forfeits the right to indemnity from thethird party without the Insurer’s consent, the act is invalid.

If, due to Insured’s deliberate actsor gross negligence, the Insurer cannot exercise the subrogation right, theInsurer shall reduce the payment or ask for return of the payment already made.

When the Insurer exercises the rightof subrogation against the liable third party, the Insured must assist andprovide necessary documentation and the information known to him.

22. If any loss, expenses or liabilityare covered under the Policy and there is any other insurance with similarcoverage, no matter whether paid or no or no matter whether the insurance waseffected by the Insured or others on his behalf, the Insurer will only pay theamount in proportion as the limit of liability hereunder bears to the totallimits of liability Insured. The Insurer will not pay for the share, whichshould be borne by the other Insurer.

Claiming with the Insurer, theInsured should reveal to the Insurer the existence of the other insurance. Ifthe Insurer has paid more than what he is responsible for as a result of theInsured’s failure to reveal, the Insurer has the right to recover from theInsured the excess of payment for which the other Insurer is responsible.

23.The Insured′s right of recovery under this Policy shall beforfeited should the Insured fail to exercise such a right within two yearsfrom the date of the occurrence of the accident, which is known or should havebeen known to the Insured.

Ⅵ .DISPUTE

24. Any disputes arising under thisPolicy between the Insured and the Insurer will be resolved through friendlynegotiation. If the negotiation brings no resolution, they will be referred tothe Arbitration Organization designated in the schedule. If no ArbitrationOrganization is designated in the schedule, or the disputes could not beresolved through arbitration, a suit could be brought to a people’s court.

Any disputes under this Policy willbe resolved subject to the laws of PRC.

Ⅶ .OTHER CONDITION

25. If the Insured cancels the Policyprior to its inception, the Insurer will deduct 5% of the annual premium andthen return to the Insured the remaining premium. If the Insured cancels thePolicy after its inception, the Insurer shall retain a premium calculated on ashort-term monthly basis for the covered period from the date of commencementto the date of termination and return the remaining premium.

Except otherwise agreed, the Insurer can terminate the Policy by giving awritten notice to the Insured 30 days in advance and charge the premium on adaily pro rata basis for the covered period and return the remaining premium.