安联财产保险(中国)有限公司公众责任险附加条款

公众责任险附加条款（中文版）扩展类： ..........................................................................................................5 1. 广告及装饰装置责任条款 ...........................................................................5 2. 改造、维护、维修条款 ...............................................................................5 3. 自动承保新地点条款（在 XX 天内申报） ..................................................5 4. 电梯责任条款 .............................................................................................5 5. 救火费用条款 .............................................................................................5 6. 火灾和爆炸责任条款 ..................................................................................6 7. 急救条款 ....................................................................................................6 8. 灭火及水损责任条款 ..................................................................................6 9. 食品、饮料责任条款 ..................................................................................6 10. 车辆装卸责任条款................................................................................6 11. 社会和体育活动条款 ............................................................................7 12. 承租人责任条款 ...................................................................................7 13. 社会和娱乐活动条款 ............................................................................7 14. 海外出差条款（美国和加拿大除外） ...................................................7 15. 海外出差条款 .......................................................................................7 16. 远离场所工作条款................................................................................8 17. 房东家具、固定设备和相关附属设施条款 ............................................8 18. 房东补偿条款 .......................................................................................8 19. Indemnity to Principals Clause ......................................................8 20. Exhibitions & Promotions Clause ....................................................9 21. Hoist Cranes and/or Unregistered Vehicles Liability Clause ....9 22. 停车场责任条款 ...................................................................................9 23. 罢工、暴乱、民众骚乱或恶意破坏扩展条款 ......................................10 24. 照顾婴孩和头发修整责任条款 ............................................................10 25. 递送商品责任条款..............................................................................10 26. 租赁雇员住所条款..............................................................................10 27. 起重机设备、机器和自动控制装置物条款 ..........................................10 28. 被保险人组织的社团、体育俱乐部的活动和外出 ...............................11 29. 没有公共场所行驶证的车辆责任条款 .................................................11 30. 租用汽车责任条款..............................................................................11 31. 租赁或非自有车辆责任条款 ...............................................................11 32. 游泳池责任条款 .................................................................................12 33. Accidental Pollution Liability Clause ........................................12 34. 72 小时突发、意外污染责任 ..............................................................12 35. 医药费条款 ........................................................................................13 36. 停车服务责任条款..............................................................................14 37. 提供物品及服务条款 ..........................................................................14 38. 客人财产责任条款..............................................................................14 39. 急救费用条款 .....................................................................................14 40. 机动车超赔责任条款 ..........................................................................15 41. 锅炉爆炸条款 .....................................................................................15 1

42. 公共卫生缺陷责任条款 ......................................................................15 43. 独立承包人责任条款 ..........................................................................15 44. 董事及高级管理人员个人第三者责任条款 ..........................................15 45. 出租人责任条款 .................................................................................15 46. Fire, Explosion, Smoke, Water Damage Legal Liability Clause 16 47. 交叉责任条款 .....................................................................................16 48. Defense Cost In Addition ...............................................................16 49. Accidental Pollution Liability Clause ........................................16 50. 医药费条款 ........................................................................................17 51. 合同责任条款 .....................................................................................17 52. Waiver of Subrogation ....................................................................18 53. 人身侵害责任条款..............................................................................18 54. 职业责任条款 .....................................................................................18 55. Lifts, Hoist, Cranes and/or Unregistered Vehicles Liability Clause 18 规范类： ........................................................................................................20 56. XX 天撤消保单条款 .............................................................................20 57. XX 天支付保费保证条款 .....................................................................20 58. XX 天支付保费保证条款 .....................................................................20 59. 指定公估人条款 .................................................................................20 60. 世界司法管辖权条款 ..........................................................................20 61. 错误和遗漏条款 .................................................................................20 62. 保险费调整条款 .................................................................................21 63. 诉讼费用包括于承保限额内条款 ........................................................21 64. 非限额下拉条款批单 ..........................................................................21 65. 损失通知条款 .....................................................................................21 66. 不可无效条款 .....................................................................................21 67. Co-Insurers Clause ..........................................................................22 68. Payment on Account Clause .............................................................22 69. 争议条款 ............................................................................................23 70. Claim Cooperation Clause ...............................................................23 71. Time Adjustment Clause 72 Hours ..................................................23 72. Operators of Railroads Exclusion .................................................24 限制类： ........................................................................................................24 73. Mining and Related Activities Exclusion ....................................24 74. Cross Liability Exclusion .............................................................24 75. 职业责任除外条款..............................................................................25 76. 石棉责任除外条款..............................................................................25 77. 雇主责任除外条款..............................................................................25 78. 法定惩罚性损害赔偿除外条款 ............................................................25 79. 罚款和惩罚性赔偿除外条款 ...............................................................25 80. 污染绝对除外条款..............................................................................26 81. 恐怖主义除外条款..............................................................................26 82. Nuclear Energy Risks Exclusion ....................................................27 2

83. 纯经济损失除外条款 ..........................................................................28 84. 污染和爆炸恐怖活动除外条款 ............................................................28 85. 电子数据除外条款（NMA2914） ..........................................................28 86. 电磁辐射除外条款..............................................................................29 87. 电磁辐射/电磁兼容除外条款 .............................................................29 88. 铅责任除外条款 .................................................................................29 89. 霉变除外条款 .....................................................................................30 90. 误用产品除外条款..............................................................................30 91. 2000 年除外责任条款 .........................................................................30 92. 海运责任除外 .....................................................................................31 93. 传染病除外 ........................................................................................31 94. 雇佣关系相关责任除外 (EPLI) ..........................................................31 95. 可传播海绵状脑病除外 (可传播海绵状脑病, 疯牛病, 科罗伊茨费尔特－雅各布氏病) ............................................................................................32 96. 排除所有由于 GMOs（转基因生物）的使用或者散射造成的，或者由于分销全部或部分由 GMOs（转基因生物）制造的产品导致的破坏和损失 ..............32 97. 排除持久性的有机物染物，例如艾氏剂，氯丹，滴滴涕，戴奥辛，狄氏剂，异狄氏剂，呋喃，七氯，六氯苯，灭蚊灵，聚氯联苯，毒杀芬 ...............32 98. 因甲基叔丁基醚（METHYLTERTIARYBUTYLETHER）导致任何损害除外条款 32 99. 硅除外 ...............................................................................................32 100. 海上风险除外条款..............................................................................32 101. 专利权、版权等侵犯责任除外条款 ....................................................33 102. 合同责任除外 .....................................................................................33 103. 保管、托管货物或财产损失除外条款 .................................................33 104. 被保险产品或工作损坏除外条款 ........................................................33 105. 产品失效除外条款..............................................................................33 106. 汽车责任除外 .....................................................................................33 107. 战争及恐怖活动除外条款 ...................................................................33 108. 船舶除外条款 .....................................................................................34 109. 劳工赔偿责任除外条款 ......................................................................34 110. 制药和化工业的特殊材料（包括疫苗、硅、橡胶等）责任除外条款 ..34 111. 设计和/或建造房屋责任除外条款 ......................................................34 112. 供货不到责任除外条款 ......................................................................34 113. 遗传工程责任除外条款 ......................................................................35 114. 艾滋病除外条款 .................................................................................35 115. 重复性的身体伤害责任除外条款 ........................................................35 116. 飞行器/飞行器零件责任除外条款 ......................................................35 117. 雇佣关系相关责任除外 (EPLI) ..........................................................35 118. 预期或预谋理赔除外条款 ...................................................................36 119. Damage to Impaired Property or Property not Physically Injured Exclusion.......................................................................................................36 120. North American Operation Exclusion Clause ................................36 121. Oil Industries Limitation Endorsement ........................................38 3

122. Sanction Clause ...............................................................................39 123. Government Action and Nuclear Hazard Exclusions ......................39 124. Delay, Loss of Use and Loss of Market, Unexplained Disappearance of Property, Shortage Found upon Taking Inventory, Dishonest or Criminal Acts, Breakdown of Refrigeration Equipment, Forged Bills or Lading, Loading, Shipping or Warehouse Receipts, Strikers, Locked-out Workers or Person Taking Part in Labor Disturbance, or Riot and Civil Commotion, Pollution, Artificially Generated Current, Voluntary Parting, Unauthorized Instructions and Neglect Exclusions ................................40 125. Ware and Tear and Depreciation, Machinery Breakdown, Insects, Vermin or Rodents and Corrosion, Rust, Dampness or Extremes of Temperature Exclusions ...............................................................................42

扩展类： 1. 广告及装饰装置责任条款兹经双方同意，本保险扩展承保与被保险人关联的广告牌和装饰装置之类物品发生意外事故造成第三者意外死亡、人身伤害或财产损失时依法应付的赔偿责任。

本保险单所载其它条件不变。 2. 改造、维护、维修条款

兹经双方同意，本保险扩展承保被保险人在其经营场所由于改造、维护和维修工程对第三者造成意外死亡、人身伤害或财产损失时依法应付的赔偿责任。

本保险单所载其它条件不变。 3. 自动承保新地点条款（在 XX 天内申报）

兹经双方同意，本保险单自动承保被保险人全部在中华人民共和国境内的新增物业从建造完毕或获得此物业，或者此物业转到被保险人名下，或者被保险人成为此物业的责任人开始的法律责任。被保险人应在 XX 天内通知本公司全部这样的新增物业，从获得此物业开始，按比例支付附加保费。

本保险单所载其它条件不变。 4. 电梯责任条款

兹经双方同意，鉴于被保险人已缴付了附加保费，本保险扩展承保本保险单明细表中列明的地点范围内的电梯、升降机在正常使用过程中发生意外事故造成第三者人身伤亡或财产损失时被保险人应付的赔偿责任。

被保险人应保证对电梯、升降机有合格的技术人员定期进行检查和维修。

本保险单所载其它条件不变。 5. 救火费用条款

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

本保险单所载其它条件不变。

6. 火灾和爆炸责任条款

兹经双方同意，鉴于被保险人已缴付了附加保费，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，因火灾和/或爆炸和/或与之相关的烟尘造成第三者人伤亡或财产损失时被保险人应付的赔偿责任。保险期限内责任限额按照保但明细表所载。

本保险单所载其它条件不变。 7. 急救条款

本保险扩展承保被保险人在保单明细表中列明的地点因实施急救措施或者由于类似急救措施的行为对顾客或其他方造成的意外身体伤害的责任。本条款不包括错误诊断的责任。本条款提供的赔偿扩展承保被保险人全部受过急救训练的员工或者合格的施救者。

如果： a. 该人员没有资格获得来自其他方的赔偿； b. 该人员应如被保险人一样遵守及履行所适用的保险单条款、除外责任及条件。

本保险单所载其它条件不变。 8. 灭火及水损责任条款

兹声明并同意，本保单扩展承保被保险人应当负责的由于消防服务部门在被保险场所灭火过程中使用水或化学物质，致使第三方财产受到损失所需负的法律责任。

本保险单所载其它条件不变。 9. 食品、饮料责任条款

兹经双方同意，鉴于被保险人已缴付了附加保费，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，因其提供的食品、饮料或掺有异物的食品、饮料造成第三者人身伤亡或财产损失时被保险人应付的赔偿责任。被保险人应恪尽职责防止提供食品或饮料不是：

i) ii) ii) iv)

在良好的状况下没有缺点没有污染为了某些故意的目的

本保险单所载其它条件不变。 10. 车辆装卸责任条款兹经双方同意，鉴于被保险人已缴付了附加的保险费，本保险扩展承保被保险人因其拥有车辆在营业场所内进行与经营有关的装卸过程中发生意外事故造成第三者人身伤害或财产损失时被保险人应负的赔偿责任。

本保险单所载其它条件不变。 11. 社会和体育活动条款

兹经双方同意，本保险扩展承保被保险人或被保险人的社交或体育俱乐部或该俱乐部的任何个人会员在代表俱乐部举办活动时（不管是否委员会成员），因发生与该俱乐部业务相关的意外事故导致人身伤害或财产损失时，被保险人应负的赔偿责任。

但是， a) 该俱乐部不能在其他保险单项下得到赔偿，否则本保险单只负责超出其他保险单赔偿金额的那一部分； b) 该俱乐部和其会员应如被保险人一样遵守及履行所适用的保险单条款、除外责任及条件。

本保险单所载其他条件不变。

12. 承租人责任条款

兹经双方同意，鉴于被保险人已缴付了附加保费，本保险扩展承保被保险人因承租的房屋建筑发生火灾造成第三者人身伤亡或财产损失时应付的赔偿责任。

本保险单所载其它条件不变。 13. 社会和娱乐活动条款

兹经双方同意，本保险扩展承保被保险人所赞助或组织的社会和/或娱乐活动中所发生的人身伤害或财产损失。但应保证该事故不在其他保单下保障，否则，本保单只对超出其他保单赔偿限额的部分付赔偿责任。

本保险单所载其它条件不变。

14. 海外出差条款（美国和加拿大除外）

兹经双方同意，本保单扩展承保因被保险人的非体力雇员在海外（美国和加拿大除外）出差时因意外对第三方所承担的法律责任。

本保险单所载其他条件不变。 15. 海外出差条款

兹经双方同意，本保单扩展承保因被保险人的非体力雇员在海外出差时因意外对第三方所承担的法律责任。

本保险单所载其他条件不变。 16. 远离场所工作条款

兹经双方同意，本保单扩展承保在远离被保险人场所的规定地域内，由于被保险人或服务于被保险人的任何人在从事被保险业务过程中发生事故所造成的被保险人应承担的法律责任。

本保险单所载其它条件不变。 17. 房东家具、固定设备和相关附属设施条款

兹声明并同意，本保险扩展承保被保险人依法应赔偿的因意外事故造成其控制、保管下的房东的财产损失总额。

本保险单所载其它条件不变。 18. 房东补偿条款

兹经同意并约定: 1.对....(以下称房东)提出的在坐落于...的属于房东的而由被保险人占用的场所中发生的人身伤害或财产损失的索赔,本公司将在保单列明的责任范围内赔偿房东有关索赔额及相关成本、费用和花销。 2.除非房东事先书面同意,否则该保单的条款和条件不得撤销、修改或受限。必须符合以下条件: a)本公司承担赔偿责任的先决条件是本保单的受偿房东应当以一个被保险人的立场来遵守保单中的条款、条件及除外责任的规定。 b)赔偿限额应当在适用在此批单中. c)被保险人应当事先同房东一起商定好所有向本公司索赔的做法和控制方法. 此注明不应被看作是被保险人为争取自己的利益就某些损失和赔偿所提出索赔,从而影响本公司权利.

此处所列不得对保单的条款或条件作出改变或延伸. 19. Indemnity to Principals Clause

If any claim shall be made against any customers of the Insured (hereinafter called ‘the principal’) for Injury or Damage caused by or arising out of the negligence of the Insured or his employees whilst undertaking work on behalf of the principal in the course of his business as described in the Schedule of this Policy the Insurer will indemnify the principal against such claims including the costs incurred with the Insurer's consent it being understood that the Insurer shall have the sole conduct and control of all claims and the Insurer shall not indemnify the principal against claims arising out of the negligence of the principal or any of his servants.

Provided that: a. the principal is not entitled to indemnity under any other policy b. the principal shall observe fulfil and be subject to the terms, limitations and conditions of this policy insofar as they can apply. c. the total amount payable by Insurers exclusive of costs and expenses incurred with their written consent whether in respect of indemnity to the Insured or principal referred to above or both shall not exceed the Indemnity Limit mentioned in the Schedule.

This Clause is subject otherwise to the terms, conditions and exclusions of this policy. 20. Exhibitions & Promotions Clause It is hereby declared and agreed that the Insurance afforded by this Policy extends to cover the Insured's interests whilst as locations in P.R. China for exhibition caused by Insured Perils.

This Clause is subject otherwise to the terms, conditions and exceptions of this Policy. 21. Hoist Cranes and/or Unregistered Vehicles Liability Clause It is agreed that this policy extends to indemnify the insured for claims in respect of bodily injury or damage to property arising directly or indirectly out of or caused by or in connection with any hoist, crane, power hoisting machines or unregistered vehicles or attachment hereto in the physical or legal control of the insured or used in work undertaken by or on behalf of the insured.

Provided that the company shall not be liable in respect of claims arising in connection with such vehicle or such attachment thereto (a) in respect of the use of which insurance is required by virtue of legislation relating to motor vehicles; (b) which is otherwise insured in respect of the same liability.

Provided also that the limit of indemnity shall apply inclusive of this clause.

Except to the extent that the provisions of this policy are hereby modified, the terms, exclusions and conditions shall apply.

This Clause is subject otherwise to the terms, conditions and exceptions of this Policy and a sub-limit _____ any one accident. 22. 停车场责任条款

兹经双方同意，本保险扩展承保因意外事故导致停放于被保险人场所内的属于或处于被保险人访客控制下的机动车辆遭受损失，被保险人应负的法律赔偿责任，前提是该机动车辆已上锁或处于安全状态。

本保险单所载其它条件不变，并且本公司在此扩展条款项下的最高赔偿责任不得超过每次事故_____并应在累计赔偿限额以内。 23. 罢工、暴乱、民众骚乱或恶意破坏扩展条款

兹经双方同意，鉴于被保险人已缴付附加保险费，本保险扩展承保本保险单明细中列明的地点范围内，由罢工、暴乱、民众骚乱或恶意破坏直接引起意外事故从而造成第三者人身伤害或财产损失时被保险人应负的赔偿责任。

本保险单所载其他条件不变。 24. 照顾婴孩和头发修整责任条款

兹经双方同意，本条款扩展承保被保险人在向第三方提供照顾幼童和头发修整服务的过程中依法应承担的法律责任。

本扩展条款的其他方面，如条款、除外责任、相关条件等与保单相同。 25. 递送商品责任条款

兹经双方约定，本保险扩展承保在由被保险人的雇员监督管理的情况下运送商品中引起的被保险人依法应承担的责任。

本保险单所载其他条件不变。 26. 租赁雇员住所条款

经双方约定，本保险扩展承保在被保险人为雇员租赁的住所产生的责任，对此不加收保费除非在条款和除外责任中另有规定。

本保险单所载其他条件不变。 27. 起重机设备、机器和自动控制装置物条款

兹声明并同意，本保险扩展承保被保险人由于在乘客和货物的提升、建筑物自动装置、安装装置、设备和机器活动过程中（除非该索赔由另一存在的工程保险条款所承保）应该承担的法律责任。须证明这些保险的升降机、安装装置、设备和机械应该由授权的承包人经常的检查和维护。

本保险单所载其他条件不变。

28. 被保险人组织的社团、体育俱乐部的活动和外出

本保险扩展承保被保险人或被保险人的福利会所、社团、体育俱乐部或俱乐部的任何独立会员在参加俱乐部（无论该俱乐部是否属于委员会成员）组织的活动过程中因意外事故造成第三者的人身伤亡或财产损失依法应负的赔偿责任。前提是： 1、这些俱乐部或成员不在任何其它的条款下受补偿。 2、这些俱乐部或成员应该尽其所能遵守、履行和服从上述条款、除外责任。

本保险单所载其他条件不变。 29. 没有公共场所行驶证的车辆责任条款

兹声明并同意，本保险扩展承保被保险人所有的或占有的并在被保险场所内或周围使用的，可不按道路交通法规规定投保强制保险的车辆，因意外造成第三者的死亡、人身伤害或财产损失，被保险人依法应付的经济赔偿责任。

本保险单所载其它条件不变。 30. 租用汽车责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人因营业使用非被保险人所有或提供的汽车造成第三者（含乘客）人身伤亡或财产损失时应负的赔偿责任。

本保险单所载其他条件不变。 31. 租赁或非自有车辆责任条款

除外条款 1(a)不适用于由以下几种机动车辆引起的伤害或损坏: (1)此车辆由被保险人主管或雇员所有且在工作过程中为其上司或雇员使用； (2)由被保险人连同司机一起被雇佣。

特此约定: (a)此附加条款不对被保险人任何主管或雇员提供赔偿 (b)保险人不负责下列损失的赔付: (I)此类车辆或由其运送的物品的损坏; (ii)经被保险人或其代表同意由被保险人或其代表明知的无驾驶此类车辆执照的人员驾驶的此类车辆引起的伤害或损坏，除非该人所持有的执照未过失效。 (iii)由与下列有关的运输道路范围引起的伤残或损坏: （ａ）由非司机或车辆护理人员带来货物供此类车辆装载；（ｂ）由非司机或车辆护理人员从此类车辆中卸货； (iv)任何高架桥或载重桥或任何道路或在此类车辆或车中所载货物的振动或重量下的任何事物所受到的损坏 (v)协议中所提出的责任(若无此协议就无此责任)

(c)本备忘录中声明，如果对于任何事件引起的索赔还存在其他保单保障相同的责任，则本公司将不负责进行赔偿。

本保险单所载其它条件不变。 32. 游泳池责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，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使用时有合格救生员值勤。

本保险单所载其它条件不变。 33. Accidental Pollution Liability Clause

This insurance does not cover any liability for (a) 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 (a) shall not apply to liability for personal injury or bodily injury or loss of or physical damage to or destruction of tangible property, or destroyed, where such seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the period of this insurance.

(b) The cost of removing, nullifying or cleaning-up seeping, pollution or contamination substances unless the seepage, pollution or contamin ating is caused by a sudden, unintended and unexpected happening during the period of this insurance

The liability of the insurer for all compensation payable in respect of all pollution or contamination which is deemed to have occurred during the period of insurance shall not exceed the sum of XXXXX for any one occurrence and in aggregate for policy period.

This Clause is subject otherwise to the terms, conditions and exclusions of this policy. 34. 72 小时突发、意外污染责任

除外责任（O）项下污染除外条款被完全删除并被以下内容取代

一、本保险不承保实际的、声称的或可能的由于烟尘、蒸汽、煤烟、烟熏、酸、碱、化学制品、废弃物或其他刺激物、污染物排放、扩散、或释放（如泄漏、散播）至土地、大气、河道、或水流造成的人身伤害或财产损失；除非该排放、扩散、或释放满足以下五项条件：

1）该排放、扩散、或释放是被保险人或被保险人雇佣的人员非预期及非故意的，而且是突然及意外的； 2) 该排放、扩散、或释放发生于保险期间内； 3) 该排放、扩散、或释放在发生时刻起72小时内被被保险人或其他人发现； 4) 该排放、扩散、或释放引起的最初的人身伤害或财产损失发生于该排放、扩散、或释放发生之时起72小时内； 5）该承保项下针对被保险人的索赔应尽快通知保险人，但不应迟于该排放、扩散、或释放发生之日起30天内通知保险人。

如果被保险人与保险人不能就排放、扩散、或释放发生的时间达成一致意见，那么应由被保险人自负费用证明满足上述五项条件。在保险人认可该证明后，保险人可以但无义务对索赔进行抗辩。

二、该承保范围不适用于 1) 评估、监控或控制污染物或污染物质的成本； 2) 清除被保险人拥有、租用或控制的财产中的污染物或污染物质的费用； 3) 针对故意违反有关环境保护方面的法律、条例或法规而造成损失的人员（被保险人或共同被保险人）提出的索赔； 4) 针对故意不遵守指导方针、生产商根据适用的科技发展水平制订的使用说明、日常控制、检测或维护，或故意不执行至关重要的修理而造成损失的人员（被保险人或共同被保险人）提出的索赔； 5) 与处理、临时或永久储存、清理或处置废弃物或类似废弃物的物质的地点或场所有关的索赔； 6) 由于地表之下的运营、操作或由地表之下物质（如石油、天然气或类似物质）引起的损害或损失导致的索赔； 7) 由致癌物引起的损失导致的索赔； 8) 罚款、罚金，惩罚性、惩戒性赔偿或多重补偿赔偿； 9) 在美国/加拿大的运营引起的索赔； 10)根据美国/加拿大的法律作出的判决、和解（包括在世界任何地区全部或部分实施该判决或和解）。

三、该扩展条款项下的责任限额为分项限额，每次事故及保险期间内累计赔偿限额为XXXXX

四、被保险人应承担该承保项下每次索赔的起始XXXXXX部分。

本保险单所载其他条件不变。 35. 医药费条款

对于因为人身伤害接受治疗的一切合理医药费用，只要是在伤害事故发生后一年内的本公司给予赔付。（伤害发生：a、在被保险人营业场所且 b、本保单下被保险人应承担的导致人身伤害赔付的相关行为） 36. 停车服务责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人在执行停车服务工作时造成客人车辆的损失。

本保险的赔偿责任是以每次事故赔偿限额 RMB （或美元）为限，并只在累计赔偿限额内，每次事故免赔额为 RMB （或美元）。

在此约定，停车服务工作应由被保险人指定的代为泊车的雇员执行，同时这些雇员必须持有有效的驾驶证。

本保险单所载其它条件不变。 37. 提供物品及服务条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人因出售物品及提供服务，包括作为其正常经营过程中的运输服务，造成第三者人身伤亡或财产损失时应负的赔偿责任。本条款项下承担的赔偿责任不超过以下列明的限额。

本保险单所载其它条件不变。 38. 客人财产责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人照管和控制下的客人财产损失，并按下列限额负责赔偿： 1、对每一客人的赔偿责任以为限； 2、对每一客人保存在营业场所之内的安全保管箱内财产损失的赔偿责任以为限。本保障中客人财产包括客人送洗的衣物。

本条款项下保险期限内承担的赔偿责任不超过以下列明的限额。

本保险单所载其他条件不变。 39. 急救费用条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保在保险场所内发生的属于保险责任的意外事故造成第三者人身伤亡时，被保险人支付的合理急救费用。

本保险单所载其它条件不变。 40. 机动车超赔责任条款

本保单扩展承保被保险人应当承担的由于被保险人所有或使用的机动车辆（包括任何取得公路行驶执照的轮式或履带式机械）引起他人的伤、病、损失或损害，被保险人应负的赔偿责任。本条款对每次事故仅负责超出 RMB (or $ )部分或机动车辆保险已承担部分，以金额较大者为准。 41. 锅炉爆炸条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保在本保险单明细表中列明地点范围内，被保险人按照相关使用说明正常使用锅炉及压力容器过程中，由于其本身内部蒸气压力产生爆炸，造成第三者人身伤亡或财产损失，被保险人依法应负的赔偿责任，以不超过保单列明的赔偿限额为限

被保险人应保证对锅炉由合格技术人员定期进行检查和维修。

本保险单所载其它条件不变。 42. 公共卫生缺陷责任条款

兹经双方同意并约定，本保单扩展承保由于卫生缺陷引起污染物的意外排放、疏散、释放或泄漏，从而造成第三方的人身伤害或财产意外损坏，被保险人应付的赔偿责任。 43. 独立承包人责任条款

兹经双方同意,本保险扩展承保被保险人因对拥有、占用或管理的场所进行改建或扩建，引致第三者人身伤亡或财产损失时，被保险人应负的所有赔偿责任。特别约定：修造、更新和改建的合同价格不超过 RMB (或$ ) 本保险赔偿限额为 RMB （$ ）. 44. 董事及高级管理人员个人第三者责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人的董事及高级管理人员于保险期限内外出公干时因意外造成第三者人身伤亡或财产损失应负的赔偿责任。本条款项下承担的赔偿责任不超过以下列明的限额。

本保险单所载其它条件不变。

45. 出租人责任条款

兹经双方同意并约定，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人因出租的房屋建筑发生火灾造成第三者人身伤亡及（或）财产损失时应负的赔偿责任。

本保险单所载其它条件不变。 46. Fire, Explosion, Smoke, Water Damage Legal Liability Clause

It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured’s liability for claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises caused by fire and/or explosion and/or its consequential smoke subject to the limit of liability specified in the Schedule of the Policy during the period of insurance.

It is hereby declared and agreed that notwithstanding anything contained herein to the contrary, this Policy is extended to indemnify the Insured against all sums which the Insured shall become legally liable to pay as compensation for claim made in respect of damage to the property of third parties arising out of the use of water or chemical by the Fire Services Department to extinguish a fire in the Insured’s described premises subject to the limit of liability specified in the Schedule of the Policy during the period of insurance.

This Clause is subject otherwise to the terms, conditions and exclusions of this policy. 47. 交叉责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，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。本保险保障将适用于保险单明细表中列明的每一个被保险人，如同本公司对每一个被保险人签发独立的保险单。但本公司的累计责任不得超过明细表中列明的限额。

本保险单所载其他条件不变。 48. Defense Cost In Addition

It is hereby declared and agreed that any costs or expenses as well as payment of interest on compensation amounts awarded against the Insured in an action for damages in respect of claims falling under the scope of this policy shall be covered in addition to the limits of liability for Rest of the World but within limit for USA/Canada as defined in the schedule. Subject otherwise to the terms exception and conditions of this policy. 49. Accidental Pollution Liability Clause

The liability of the insurer for all compensation payable in respect of all pollution or contamination which is deemed to have occurred during the period of insurance shall not exceed the sum of ×××× for any one occurrence and in aggregate for policy period.

This Clause is subject otherwise to the terms, conditions and exclusions of this policy. 50. 医药费条款

对于因为人身伤害接受治疗的一切合理医药费用，只要是在伤害事故发生后一年内的本公司给予赔付。（伤害发生：a、在被保险人营业场所且 b、本保单下被保险人应承担的导致人身伤害赔付的相关行为）

本保险单所载其它条件不变。 51. 合同责任条款

保险人负责赔偿

在合同、协议或保证条款下承担的责任，除非被保险人在无此合同、协议或保证条款下同样负担的责任被保险人本可以从其他方得到赔偿，但因为被保险人同该方签订了协议同意放弃、免除或弃权对该方的任何追索的权利而产生的责任。

本保险单所载其它条件不变。

52. Waiver of Subrogation

In the event of a claim arising under this Policy, the Company agree to waive any rights remedies or relief to which they might become entitled by subrogation against:

1) any company associated or joint venture with the Insured; 2) any of the Insured's subsidiary or holding companies, or any directors, partners, officers and employees; 3) the tenants and its partners, and its employees.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy. 53. 人身侵害责任条款

兹经双方同意，鉴于被保险人已缴付了附加保险费，本保险扩展承保被保险人因本保险单明细表中列明地点范围内由于下列情况造成第三者人身侵害时应负的赔偿责任： 1、非法的拘捕、扣押、监禁或诬告； 2、侮辱、诽谤或侵犯私人权利行为； 3、非法侵犯或驱逐私人占有物权；

遵守中华人民共和国法律法规将是本公司承担任何责任的先决条件。

本保险单所载其他条件不变。 54. 职业责任条款

兹经双方声明并同意,本保单扩展承担被保险人雇员在被保险人公司提供服务、建议和指示过程中发生的过失行为及(或)责任的赔偿。以下属除外责任： 1）每次事故免赔额； 2）任何犯罪行为或任何与法律或法令相抵触的行为； 3）含酒精饮料或麻醉剂影响之下进行的服务； 4）各种罚款、惩戒和惩罚性赔偿. 本保险单所载其它条件不变。

55. Lifts, Hoist, Cranes and/or Unregistered Vehicles Liability Clause

This is Policy is extended to cover third party claims made against the Insured for accidental bodily injury or accidental damage to property which occurs during the Period of Insurance and in the normal operational use of the hoists, cranes &/or unregistered vehicles at the premises specified in this Policy. Warranted that the Insured shall see to it that regular inspection and maintenance of the hoists, cranes /or unregistered vehicles shall be carried out by qualified

engineers. The limit of liability shall not exceed XXXX in the aggregate during the period of insurance.

规范类： 56. XX 天撤消保单条款

被保险人有权在任何时候取消保险单，而保险人依照惯例对保单生效期限收取短期保费。保险人也有权在任何时候取消保险单，但需要在取消保险单前 XX 天以书面形式通知被保险人，保费按未满期限与保险期限的比例退还被保险人。本保险单所载其它条件不变。 57. XX 天支付保费保证条款

被保险人保证在保单出具后 30 天内支付所有保费。如在此 30 天内被保险人未能支付此保费，保险人将立即取消保单，被保险人有责任支付从保单生效日至取消日期间的保险费。

本保单所载其他条件不变。 58. XX 天支付保费保证条款

被保险人保证在保单生效后 30 天内支付所有保费。如在此 30 天内被保险人未能支付此保费，保险人将立即取消保单，被保险人有责任支付从保单生效日至取消日期间的保险费。

本保单所载其他条件不变。

本保单所载其他条件不变。 59. 指定公估人条款

兹经双方同意，本保单承保范围内的损失公估人由被保险人与保险人双方事先协商确定.

兹经双方进一步同意，公估费用由保险公司承担。

本保单所载其他条件不变。 60. 世界司法管辖权条款

兹经同意并约定，本保单提供的赔偿可采用世界上任何一家有资格的法院首次送达或从上述法院取得的判决结果。 61. 错误和遗漏条款

兹经双方同意，鉴于被保险人已经缴付了附加保险费，本保险项下的赔偿责任不因被保险人非故意地疏忽或过失而延迟或遗漏向本公司申报新获取的场地、被保险财产价值的变更而拒负。但被保险人一旦明白其疏忽或遗漏应即向本公司申报上述情况，否则本公司不负赔偿责任。

62. 保险费调整条款

如果本保单的保费是按被保险人提供的预估销售额计算的，被保险人应该保存包含相关详细资料的纪录，并且允许本公司在任何时候查阅此纪录。

被保险人应该自本保单期满后一个月内按照本公司要求提供此详细资料和信息。每一期限内的保费应被调整，差额由被保险人支付，或者退还给被保险人，此情况遵循保单明细表中的最低保费。

本保险单所载其它条件不变。 63. 诉讼费用包括于承保限额内条款

兹经双方同意，在本保单承保范围内的索赔而产生的任何成本、花费和要求被保险人支付的赔偿数额包含在赔偿限额内。

本保单所载其他条件不变。 64. 非限额下拉条款批单

(批单中之分限额耗尽并不启动超赔下拉)

本保险单双方当事人同意在本保险单中加入本批单，并就下列事项达成一致（本保险单的条款、条件、除外责任、赔偿限额和除外责任另有约定的除外）：

如果基层保险单或下层保险单包含分项（sub－limit），无论该分项限额已经存在或是将来附加，则该分项限额所保障的保险责任不属于本保险单的保险责任。

尽管存在上述约定，如果发生了属于基层保险单或下层保险单的保险责任，但因上述约定而为本保险单除外的保险责任，安联将认可基层保险单及下层保险单因此减少或耗尽的赔偿限额。

如果基层保险单或下层保险单的保险公司发生财务或偿付能力困难，本保险单仍然保障超过所有下层保险单载明的赔偿限额之和以上的责任。 65. 损失通知条款

兹经双方同意，如被保险人无意拖延、错误，或疏忽通知保险人任何可能导致索赔的情况或事件，被保险人在本保险下的利益将不被影响。

本保险单所载其它条件不变。 66. 不可无效条款

兹经双方同意，在被保险人不知情的情况下，被保财产改变用途或者风险增加，本保险不能无效。但是如果被保险人一旦知情，则应立即通知保险人，并支付从风险增加之日起计算的附加保费。

本保险单所载其它条件不变。 67. Co-Insurers Clause

In consideration of the Insured named in the Schedule hereto having paid or agreed to pay the premium set forth in the said Schedule to the Insurers who have subscribed their Names in the Policy (hereinafter referred to as “the Coinsurers”). The Coinsurers hereby severally agree each for the proportion set against its name to indemnify the Insured or the Insured’s legal personal representatives by payment or at the option of the Coinsurers by reinstatement, repair or replacement in accordance with the terms and conditions contained hereunder or endorsed hereon. Provided that 1. the liability of the Coinsurers shall not exceed the limits of liability expressed below or such other limits of liability as may be substituted therefore by endorsement hereon or attached hereto signed by or on behalf of the Coinsurers. 2. The liability of the Coinsurers individually in respect of such loss shall be limited to the proportion set against its name. Allianz Insurance Company Guangzhou Branch as Lead Coinsurer does elect to conduct, direct, and/or control, the investigation, coverage determinations, adjustment, settlement, and/or recovery proceedings with respect to any claim involving this coinsurance arrangement. Each Coinsurer to follow fully in all respects. Expenses incurred by or at the direction of Allianz Insurance Company Guangzhou Branch shall be borne pro rata by the Coinsurers in direct proportion to their respective coinsurance participation. It is further declared and agreed that any reference to Allianz Insurance Company Guangzhou Branch during the period of insurance shall be deemed to refer to the Coinsurance mentioned in the Schedule for their respective rights and interests and liabilities each for its own proportion of the risk as shown below and not one for another.

Co-insurers and participate share: XXXXX XXXXX XX% XX%

Subject otherwise to the terms, exceptions and conditions of this policy. 68. Payment on Account Clause

It is hereby understood and agreed that in the event of the occurrence of a loss covered under this Policy the Insurer may approve an advance payment in respect of such loss at the request of the Insured and with the loss adjuster's recommendation.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy. 69. 争议条款

因为本保单项下的所有被保险人和保险人之间的争议，双方应首先进行友好协商。协商不成时，双反应将争议提交至人民法院进行诉讼。诉讼地点在中国 XX，并且诉讼语言为中文。

本保单所载其他条件不变。 70. Claim Cooperation Clause

It is hereby declared and agreed that

a) The Reinsured shall give written notice to the Reinsurer as soon as reasonably practicable of any claim made against the Reinsured in respect of business reinsured hereby or of its becoming aware of any circumstances which could give rise to such a claim.

b) The Reinsured shall furnish the Reinsurer with all information known to the Reinsured respecting claims or possible claims notified in accordance with a) above and shall thereafter keep the Reinsurer fully informed as regards all developments relating thereto as soon as they occur.

c) The Reinsured shall cooperate fully with the Reinsurer and any other person or persons designated by the Reinsurer in the investigation adjustment and settlement of any claim notified to Reinsurer.

It is understood and agreed that all Adjusters, Assessors, Surveyors or Experts, appointed in accordance with the provisions of this clause shall be deemed to be acting on behalf of the Reinsured and all Reinsurers and that the fees, expenses, costs and all other disbursements incurred in this connection shall be shared pro-rata by all the interested parties after the loss amount exceeding the deductible and/or excess point. 71. Time Adjustment Clause 72 Hours

In the event of loss damage or destruction to the property caused by typhoon, storm, tempest, flood, earthquake the amount of the Deductible in respect of such loss or damage caused by these perils shall apply afresh and be deducted again

and respect of any loss or damage occurring after seventy two hours freedom from typhoon, storm, tempest, flood or earthquake. 72. Operators of Railroads Exclusion

This insurance does not apply to any actual or alleged liability including any legal costs and/or expenses or fees of the insured arising from, resulting in, are a consequence of or in any way involving the ownership or operation of railroads.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.

限制类： 73. Mining and Related Activities Exclusion

The insurance does not apply to bodily injury and property damage arising out of mining and related activities.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy. 74. Cross Liability Exclusion

This insurance does not apply to any actual or alleged “bodily injury”, “property damage” to

(1) any business enterprise in which any insured owns an interest, is a partner, or which is a parent, affiliate, subsidiary or sister company of any insured;

(2) any business enterprise directly or indirectly controlled, operated or managed by a business enterprise described in 1 above;

(3) a present, former, future or prospective partner, officer, director, stockholder or employee of any insured;

(4) any insured; or

(5) the spouse, child, parent or sibling of any of the above as a consequence of (1),(2),(3) or (4) above.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.

75. 职业责任除外条款

本保险不适用于由于下列原因导致的责任：

1. 不能提供专业的建议或者服务，或者与此相关联的任何错误或遗漏 2. 任何在建议、设计公式或者规格上的错误

本保险单所载其它条件不变。

76. 石棉责任除外条款

本公司不对任何实际或声称的由于石棉或含石棉的物质，不论以何种形式或数量，而引起的损失，伤害，或责任负责。

本保单所载其他条件不变。 77. 雇主责任除外条款

兹经双方同意，本保单不承保被保险人对其雇员在由被保险人雇佣期间由于工作原因任何时候的身体损伤、疾病、职业病、残疾、休克、精神痛苦或者精神伤害，包括死亡。

本保单所载其他条件不变。 78. 法定惩罚性损害赔偿除外条款

兹经双方了解并同意，本保险合同不承保罚款或类似的支付，包括惩罚性赔偿，而不论其是否付给公共当局、民间个人或团体。

本保险单所载其他条件不变。 79. 罚款和惩罚性赔偿除外条款

当法院判决被保险人需以惩罚性款项弥补其责任时，该惩罚性款项须由投保人承担。

不论本保险合同包含任何条款，兹经双方同意对原被保险人惩罚性的和/或惩戒性的和/或多重损害应在本保单除外。

但是，本保险合同不扩展承保被保险人无意识的惩罚、和或惩戒性的、和或若干倍损害，按照有能力胜任的法庭的判决。但是这一扩展：

a). 不适用于在有能力判决的法庭决定的原保险单提供的保障范围内的判决； b). 不适用于本公司提供给特别的惩罚、惩戒或多倍损害的赔偿。

本保单所载其他条件不变。 80. 污染绝对除外条款

兹经双方同意，本保单不承保：

a) 在世界任何地方由于实际的污染物质的流出、分散、释放或者溢出而造成的人身伤害和物质损失； b) 由于任何政府的指示或者要求，被保险人、公司或者任何个人或组织检测、监视、清理、移动、排毒污染物质的任何损失、成本或者花费； c) 政府部门或者任何个人或者组织检测、监视、清理、移动、排毒污染物质的任何损失、成本或者花费，包括但不限于调查成本或者律师费用。

“污染物质”是指任何固体、液体、气体或者热的刺激物或污染物，包括烟、蒸汽、煤烟、烟熏、酸性物质、碱性物质、化学品和废弃物。废弃物包括要被或已经被回收、复原或者再生的物质。

进而，限额被本条款不包括的索赔或者损失理算费用削减或耗尽。本保险提供的保障将不会顺势被削减或者消耗，但是本保险仍会负责保单明细中超过限额的索赔。

本保单所载其他条件不变。 81. 恐怖主义除外条款

兹经双方同意，不论本保险单或其它条款是否有限制或意图限制战争或恐怖活动条款的内容，本保险单不承保直接或间接因以下原因或事件同时或之后引起，导致的损失、损坏和费用：

1) 战争、外敌入侵敌意或类似战争行为，不论其宣战与否，内战、谋反、革命、起义、

骚乱、篡权而采取的行动。

2) 恐怖活动

本扩展条款所指的恐怖主义行为是指包括但不限于任何个人或者团体使用暴力或者威胁的行为，不论该行为是孤立的，还是与任何组织、政府有关，以政治使命、宗教、意识形态或种族目的的名义包括影响任何政府和或使公众处于危险之中的意图。

本批单也除外任何与上述（1）和/或（2）有关联的控制、预防、镇压或任何方式的行动所直接或间接引起、导致的、或相关联的损失、损坏、支出或费用。

如果保险人认定有关的损失、损坏、支出或费用归因于除外责任而不属于本保单的承保范围，而被保险人欲证明该损失、损坏、支出或费用应在保险范围内，则被保险人须负举证之责。

本保单所载其他条件不变。

82. Nuclear Energy Risks Exclusion

1) This Agreement shall exclude Nuclear Energy Risks whether such risks are written directly and/or by way of reinsurance and/or via pools and/or associations. Under this Agreement the term “Nuclear Energy Risks” means any First or Third Party Insurance (other than workers’ compensation or employers’ liability) in respect of:

a. nuclear reactors and nuclear power stations or plant; b. any other premises or facilities concerned with: i) the production of nuclear energy or ii) the production or storage or handling of nuclear fuels or nuclear waste; c. any other premises or facilities eligible for insurance by any local nuclear pool and/or association but only to the extent of the requirements of the local pool and/or association; d. nuclear or radioactive fuel, or nuclear or radioactive waste.

2) However, this exclusion shall not apply

a. to any insurance or reinsurance in respect of the construction, erection or installation of buidings, plant and other property (including contractor’s plant and equipment used in connection therewith): i) for the storage of nuclear fuel – prior to the commencement of storage ii) as regards reactor installations – prior to the commencement of loading of nuclear fuel into the reactor, or prior to the initial criticality, depending on the commencement of the insurance or reinsurance of the relevant local nuclear pool or association; b. to any machinery breakdown or other engineering insurance or reinsurance not coming within the scope of (a) above, nor affording coverage in the “high radioactivity” zone; c. to any insurance or reinsurance in respect of the hulls of ships, aircraft or other conveyances; d. to any insurance or reinsurance in respect of loss or damage to (including any expenses incurred therewith) nuclear or radioactive fuel or nuclear or radioactive waste while in transit or storage as cargo, other than while being processed or while in storage at the reactor installation or any other final destination concerned with production, storage or handling of nuclear fuel or nuclear waste.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy. 83. 纯经济损失除外条款

兹经双方了解和同意，本保险单不承保任何纯经济损失。

纯经济损失系指，被保险人活动，包括但不限于被保险人产品销售或供应活动，造成被保险人之外的任何人非因人身伤害或财产损失而招致的金钱损失、成本或费用。

本保单所载其他条件不变。 84. 污染和爆炸恐怖活动除外条款

兹经双方同意，不论任何贡献条款，本保单不承保任何损失、伤害、成本或者花费，直接或间接由于：

a) b)

生物或者化学污染导弹、炸弹、手榴弹，爆炸

的恐怖行为

本扩展条款所指的恐怖主义行为是指包括但不限于任何个人或者团体使用暴力或者威胁的行为，不论该行为是孤立的，还是以任何组织、政府、政治使命、宗教、意识形态或种族目的的名义包括影响任何政府和或使公众处于危险之中的意图。

a) 中所指“污染”是指污染物、中毒、或者禁止和或限制使用的化学和或生物物质。

如果本公司声明，由于本除外条款的原因，任何损失、损害、成本或者花费不由本保险承担，相反由被保险人负责。

本保单所载其他条件不变。 85. 电子数据除外条款（NMA2914）

1．电子数据除外

如有保单或批单条款与本条款相反, 应以本条款为准。兹经双方同意:

a．本保险单不承保一切由于(但不限于)电脑病毒而引起的电子数据损失, 损害, 破坏, 扭曲, 删除, 腐烂, 改变, 或由此而引致的使用能力的丧失, 功能减损, 成本及费用, 无论是否有其他原因同时或先后造成此损失。

电子数据系指一切转化成可被电子或电子机械数据处理仪器或利用电子控制的仪器传送, 解释, 处理的事实, 概念, 以及信息。电子数据包括程序, 软件, 以及其他关于数据处理和操纵的代码指使。

电脑病毒系指通过电脑系统, 网络, 或其他方式传播的腐蚀性, 损害性, 和恶意引入的未经授权的指使。电脑病毒包括(但不限于)木马程序, 蠕虫, 时间炸弹或逻辑炸弹。

b．但是, 如果由于在 a 自然段中描述的事件而引起火灾或爆炸, 该保险单在遵守所有条款, 条件, 和排除条款的前提下, 将会赔偿在保单有效期内由火灾或爆炸所直接造成的对受保财产的物质伤害。

列明危险：火灾爆炸

2. 电子数据处理媒介的价值

即使保单条款或批单有相反的规定，兹经双方同意适用本条：

如本保单项下承保的电子数据处理媒介遭受物质损失，对其定价以修复，替代，或恢复其在损失发生前的状态所产生的费用为准，包括在此电子媒介中所储存的电子数据，前提为此媒介物被对其定价以修复，替代，或恢复。重新制作费用包括合理的和必要的金额，此金额不能超过每一次损失而引起的重新创作，收集或组合这些电子数据。如果此媒介物没有进行修复，替代，或恢复，定价基础应为空白媒介的成本。但是本保单不承保其他方的电子数据对于被保险人的价值，即使这些数据不能被重新创作，收集或组合。

本保单所载其他条件不变。 86. 电磁辐射除外条款

本保险不适用于因声称暴露在或接触了“电磁辐射”而导致的“身体伤害”， “财产损毁”，或“个人伤害”。在本条款中“电磁辐射”包括，但不局限于：因电流的充电，电流，电频率，电能量产生，输送，分配或保留的磁性能量，磁性波，磁场。

本保单所载其他条件不变。 87. 电磁辐射/电磁兼容除外条款

本保单不适用于由于暴露于或者接触电磁辐射/电磁兼容而造成身体伤害、财产损失、人身伤害。

本保单所载其他条件不变。

88. 铅责任除外条款

本保险不适用于：

1. 2. 3. 4.

由于任何还有铅或者铅混合物的有毒或病理的模具而引起、产生、导致造成的责任；铅、铅的混合物或含有铅的物质的减少、减轻、移动或者处理的任何成本或花费；与本条款 1、2 相关联的任何监督、指导、建议、警告或者通知；与本条款 1、2 相关联的任何分担损失或者返还给那些必须赔付损失的其他人的义务。

本保单所载其他条件不变。 89. 霉变除外条款

A. 除外责任本保险不承保： 1）任何用于清理或移除菌类的成本或费用。 2）任何用于检测、监视、评估菌类的存在或影响的成本或费用。

B. 定义真菌系指任何形式的菌类，包括但不限于，由当前或过去存在的真菌所产生、释放的酵母菌、霉菌、白粉病、锈病、黑穗病、孢子、真菌毒素、气味或任何其他物质、产品或副产品。

本保险单所载其他条件不变。 90. 误用产品除外条款

兹经双方同意，本保单不适用因误用产品而导致的身体伤害和财产损失。

本保单所载其他条件不变。

91. 2000 年除外责任条款

本条款"2000 年问题"系指，因涉及 2000 年日期变更，或此前、期间、其后任何其他日期变更，包括闰年的计算，直接或间接引起计算机硬件设备、程序、软件、芯片、媒介物、集成电路及其他电子设备中的类似装置的故障，进而直接或间接引起和导致保险财产的损失或损坏问题。

本公司对由于下列原因，无论计算机设备是否属于被保险人所有，直接或间接导致、构成或引起保险财产损失或损坏由此产生的直接损失或间接损失不负责赔偿责任：

（一）不能正确识别日期；

（二）由于不能正确识别日期，以读取、存储、保留、检索、操作、判别、处理任何数据或信息，或执行命令和指令；

（三）在任何日期或该日期之后，由于编程输入任何计算机软件的操作命令引起的数据丢失，或不能读取、储存、保留、检索、正确处理该类数据；

（四）因涉及 2000 年日期变更，或任何其他日期变更，包括闰年的计算而不能正确进行计算、比较、识别、排序和数据处理；

（五）因涉及 2000 年日期变更，或任何其他日期变更，包括闰年的计算，对包括计算机、硬件设备、程序、芯片、媒介物、集成电路及其他电子设备中的类似装置进行预防性的、治疗性的、或其他性质的更换、改变、修改。

本保单所载其他条件不变。

92. 海运责任除外

兹经了解和同意，本保险不适用于任何海事和/或水上责任引发的直接或相应的任何索赔，这些责任包括但不限于：

承租人的责任保护和赔偿碰撞责任吊装责任运输责任

码头经营者责任泊位安全责任码头管理者责任装卸责任

兹经进一步同意，本保险不适用于： a) 因任何船舶所有权、加油、装载或卸载活动而起的赔偿责任；或者 b) 任何船坞、码头、港口、桥梁、航标、灯塔、电缆、防波堤结构或灯塔遭到损坏或摧毁的赔偿责任； c) 清除任何船只残骸所发生或附带的成本或费用的赔偿责任； d) 被保险人操纵或负责操纵的任何船只上的任何乘客受伤产生的赔偿责任。

本保单所载其他条件不变。 93. 传染病除外

兹经双方同意，本保单不承保由任何传染病直接或间接引起的人身伤亡（包括疾病）的责任。

本保单所载其他条件不变。 94. 雇佣关系相关责任除外 (EPLI)

兹经双方同意，本保单不适用于雇佣关系相关责任。

本保单所载其他条件不变。 95. 可传播海绵状脑病除外 (可传播海绵状脑病, 疯牛病, 科罗伊茨费尔特－雅各布氏病)

兹经双方同意，本保单的赔偿责任不适用于可传播海绵状脑病 (可传播海绵状脑病, 疯牛病, 科罗伊茨费尔特－雅各布氏病)引起的“人身伤害”或“财产损失”。

本保单所载其他条件不变。 96. 排除所有由于 GMOs（转基因生物）的使用或者散射造成的，或者由于分销全部或部分由 GMOs（转基因生物）制造的产品导致的破坏和损失

兹经双方同意，本保单的赔偿责任不适用于所有破坏和损失由于GMOs（转基因生物）的使用或者散射造成的，或者由于分销全部或部分由GMOs（转基因生物）制造的产品导致的“人身伤害”或“财产损失”。

本保单所载其他条件不变。 97. 排除持久性的有机物染物，例如艾氏剂，氯丹，滴滴涕，戴奥辛，狄氏剂，异狄氏剂，呋喃，七氯，六氯苯，灭蚊灵，聚氯联苯，毒杀芬

兹经双方同意，本保单的赔偿责任不适用于持久性的有机物染物，例如艾氏剂，氯丹，滴滴涕，戴奥辛，狄氏剂，异狄氏剂，呋喃，七氯，六氯苯，灭蚊灵，聚氯联苯，毒杀芬。

本保单所载其他条件不变。 98. 因甲基叔丁基醚（METHYLTERTIARYBUTYLETHER）导致任何损害除外条款

兹经双方同意，本保单的赔偿责任不适用于或者包括任何由于甲基叔丁基醚（METHYLTERTIARYBUTYLETHER）造成的损失。

本保单所载其他条件不变。 99. 硅除外

本保单不承保任何与硅有关或者由硅引起的所有的直接或间接的责任，包括任何损失和费用，而无论是否还存在其他原因导致该责任。本保险单所载其他条件不变。 100.海上风险除外条款

兹经双方同意，不论任何其他促成原因，本保单不承保任何损失、伤害、成本或者花费，直接或间接关于海上风险。

本保单所载其他条件不变。 101.专利权、版权等侵犯责任除外条款

本保险赔偿责任不适用于因声称专利权、版权等被侵犯而导致的 “身体伤害” ， “财产损失” ， “个人伤害” 或 “言论伤害”。

本保单所载其他条件不变。 102.合同责任除外

本保险不适用于被保险人在任何合同或协议中对第三者的“人身伤害”或“财产损失”承担的责任。

本保险单所载其它条件不变。

103.保管、托管货物或财产损失除外条款兹经双方同意，本保单的赔偿责任不适用于保管、托管货物或财产的损失。

本保单所载其他条件不变。 104.被保险产品或工作损坏除外条款

兹经双方同意，本保单的赔偿责任不适用于被保险产品或工作损坏。

本保单所载其他条件不变。 105.产品失效除外条款

兹经双方同意，本保单的赔偿责任不适用于产品失效相关责任。

本保单所载其他条件不变。 106.汽车责任除外

兹经双方同意，本保险不适用于因任何被保险人拥有、操作、租用或借用的“汽车”的所有权、维护、使用或委托给他人而造成的“人身伤害”或“财产损失”。使用包括操作和“装卸”。

本保险单所载其它条件不变。 107.战争及恐怖活动除外条款

本保单对于由以下情况直接或间接导致、产生或引起之灭失、毁坏及损毁不负责赔偿： a 战争、侵略、外敌入侵行为、敌对行动或类似战争行为（无论宣战与否）、内战； b 叛变、民众骚乱而假定该骚乱足以引致军事暴乱、起义、军事革命、权力篡夺等； c 任何个人或代表任何组织的恐怖活动，

本条款中“恐怖活动”之定义为：任何以政治目的为理由所使暴力包括使用暴力令公众或部分公众人士受到恐惧；

在诉讼过程中若本公司认定有关之灭失、毁坏及损毁涉及本除外责任条款而不应列为本保险单受保范围内，而被保险人欲证明该损失、毁坏及损毁应在保险范围内者则被保险人须负该项证明之全责。

本保单所载其他条件不变。 108.船舶除外条款兹经双方同意，本保单的赔偿责任不适用于船舶引起的责任。

本保单所载其他条件不变。 109.劳工赔偿责任除外条款

兹经双方同意，本保单的赔偿责任不适用于被保险人在劳工赔偿法、伤残补助法、失业补偿法或任何类似的法律下承担的责任。

本保单所载其他条件不变。 110.制药和化工业的特殊材料（包括疫苗、硅、橡胶等）责任除外条款兹经双方同意，本保单的赔偿责任不适用于制药和化工业的特殊材料（包括疫苗、硅、橡胶等）引起的责任。

本保单所载其他条件不变。 111.设计和/或建造房屋责任除外条款

兹经双方同意，本保单的赔偿责任不适用于或者包括设计和/或建造房屋引起的责任。

本保单所载其他条件不变。 112.供货不到责任除外条款

兹经双方同意，本保单赔偿责任不适用于供货不到而引起的损失。

本保单所载其他条件不变。 113.遗传工程责任除外条款兹经双方同意，本保单赔偿责任不适用于遗传工程所产生的任何责任。

本保单所载其他条件不变。 114.艾滋病除外条款

兹经双方同意，本保单赔偿责任不适用于艾滋病。

本保单所载其他条件不变。 115.重复性的身体伤害责任除外条款兹经双方同意，本保单的赔偿责任不适用于或者包括重复性的身体伤害。

本保单所载其他条件不变。 116.飞行器/飞行器零件责任除外条款

本保险不扩展承保由于 “飞行器产品” 或任何飞行器的 “着陆” 所引起的 “人身伤害” 或 “财产损失” 。

“飞行器产品”是指航行器（包括导弹或太空船以及任何由地面支持或控制的设备）、由被保险人提供和安装在航行器或与航行器相关的产品或为航行器备用零件，或为生产加工所使用的设备，包括地面操作工具和设备，亦指教具，用法说明，指南，蓝图，工程或其他数据，工程或其它建议，以及与航行器或物品相关的服务和劳动。

“着陆”是指由于飞行器或其零部件已知的、声称的或可疑的任何缺陷，将一个或多个飞行器从飞行状态或限速中收回。该飞行器由被保险人销售、处理或由任何个人或组织依照被保险人的说明，设备，建议，命令、制图或使用被保险人提供的工具，机器或其它设备而制造、组装、加工的，无论飞行器是否由同一人或组织拥有或操作。

本保单所载其他条件不变。 117.雇佣关系相关责任除外 (EPLI)

兹经双方同意，本保单不适用于雇佣关系相关责任。

本保单所载其他条件不变。

118.预期或预谋理赔除外条款兹经双方同意，本保单的赔偿责任不适用于预期或预谋理赔。

本保单所载其他条件不变。

119.Damage to Impaired Property or Property not Physically Injured Exclusion

This insurance does not apply to Property damage to “impaired property” or property that has not been physically injured, arising out of:

(1) or

A defect, deficiency, inadequacy or dangerous condition in “your product”;

(2)

A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.

This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to “your product” after it has been put to its intended use.

For the purpose of this exclusion, “Impaired property” means tangible property, other than “your product” that cannot be used or is less useful because:

(a) It incorporates “your product” that is known or thought to be defective,

deficient, inadequate or dangerous; or

(b) You have failed to fulfil the terms of a contract or agreement;

if such property can be restored to use by:

(a) The repair, replacement, adjustment or removal of “your product”

(b) Your fulfilling the terms of the contract or agreement.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy. 120.North American Operation Exclusion Clause

This contract excludes all claims arising out of operations (as herein defined) located in the U.S.A. and/or Canada.

However, this exclusion shall not apply to

(a) Sales and/or Distribution Office(s)

The products liability risk of sales and/or distribution office(s) (as herein defined), provided all products sold and/or distributed therefrom are manufactured outside of the U.S.A. and/or Canada, and are supplied to the sales and/or distribution office(s) by the original insured.

(b) Temporary Work

The public liability and/or products liability risk of work performed solely by the original insured’s employees and/or directors resident outside the U.S.A. and Canada, who are temporarily visiting the U.S.A. and/or Canada.

The employees’ liability risk of the original insured’s employees and/or directors resident outside the U.S.A. and Canada, who are temporarily visiting the U.S.A. and/or Canada in the course of their employment.

Provided always (i) the policy otherwise protects operations wholly located outside the U.S.A. and/or Canada (ii) the policy is issued outside of the U.S.A. and/or Canada.

DEFINITIONS Operations An operation located in the U.S.A. and/or Canada shall be defined as a legal or physical presence in the U.S.A. and/or Canada (whether incorporated or not) of an original insured. The physical presence of a product in the U.S.A. and/or Canada manufactured and/or supplied by an original insured outside the U.S.A. and/or Canada shall not alone constitute an operation.

Sales and/or Distribution Office(s)

Sales and/or Distribution Office(s) shall be defined as a sales, marketing or distribution operation of an original insured not otherwise excluded, including associated.

(i)

storage

(ii)

final product preparation (i.e. re-packing, packing, labeling, cleaning or the provision of operating instructions prior to sale) (iii) office accommodation

but always excluding liability arising from (i) manufacture (ii) final assembly (iii) repair, service, maintenance (iv) amendment, enhancement, alteration 121.Oil Industries Limitation Endorsement

It is understood and agreed that this insurance shall not apply to:

Injury to or destruction of property located on or above the surface of the earth or ocean floor arising out of the blowout or cratering of any well;

2. Any cost or expense incurred by or at the request of the Insured or any co-owner of the working interest in bringing under control any oil, gas or water well which becomes out of control. A well shall be deemed “out of control” only so long as there is a continuous flow of drilling fluid, oil, gas or water above the surface of the ground or ocean floor which is uncontrollable;

Loss of or damage to any property directly or indirectly resulting from subsidence caused by subsurface operations of the Insured, including any consequential loss or loss of use arising therefrom;

4. Loss of hole or loss of in-hole equipment, including fishing costs or other costs of recovery, or to any consequential loss or loss of use arising therefrom;

5. Removal of debris or wreck;

6. Loss of or damage to any drilling rigs, drilling or producing platforms, workover rigs, service rigs, and/or equipment of speciality contractors in the Insured’s care, custody or control;

7. Injury to or destruction of property arising out of the “Underground Resources and Equipment Hazard” as defined below, or any consequential loss or loss of use arising therefrom;

8. The cost of reducing any property included within the “Underground Resources and Equipment Hazard” to physical possession above the surface of the earth or above the surface of any body of water, or to expense incurred

or rendered necessary to prevent or minimize property damage to other property resulting from acts or omissions causing property damage included within the “Underground Resources and Equipment Hazard.”

9. Injury to or destruction of property arising out of the “Saline Substances Contamination Hazard” as defined below;

10. Injury to or destruction of marine life, material, resources or vegetation.

“Underground Resources and Equipment Hazard” includes property damage to any of the following:

A. Oil, gas water or other mineral substances which have not been reduced to physical possession above the surface of the earth or above the surface of any body of water; B. Any well, hole, formation, strata or area in or trough which exploration for or production of any substance is carried on; C. Any casing, pipe, bit, tool, pump or other drilling or well servicing machinery or equipment located beneath the surface of the earth in any such well or hole or beneath the surface of any body of water.

“Saline Substances Contamination Hazard” includes property damage to any of the following:

A. Oil, gas water or other mineral substances, if the property damage is caused directly or indirectly by a saline substance;

B. Any other property, if the property damage arises out of property damage described in subvision (A) of this hazard. 122.Sanction Clause

This policy does not provide coverage related to any business, including but not limited to this insurance and the fulfillment of any obligation thereunder, to the extend it would violate any applicable economic or trade sanction law or regulations of the UN and/or the EU/EEA and/or any applicable national economic or trade sanction law or regulations. 123.Government Action and Nuclear Hazard Exclusions

The first group of exclusions applies whether the loss event results in widespread damage or affects a significant geographical area or not and are essentially absolute. Subject to specific exceptions, each is totally excluded, regardless of any other cause or event that contributes to a loss, either concurrently or in any other

sequence. The insurance company does not pay for any direct or indirect loss or damage caused by or resulting from any of these events.

· Governmental Action This exclusion applies to the legal and authorized seizure or destruction of property by order of a government entity. It has an exception for loss or damage caused by or resulting from such acts of destruction ordered and done by the governmental entity at the time of a fire in order to prevent the spread of the fire.

· Nuclear Hazard This exclusion applies to any weapon that uses atomic fission or fusion. It also applies to nuclear reaction, radiation or radioactive contaminants from any cause or source. It has an exception for cases where the nuclear reaction, radiation or radioactive contamination results in a fire. If this coverage form covers fire, the insurance company pays for the direct loss or damage caused by the resulting fire. 124.Delay, Loss of Use and Loss of Market, Unexplained Disappearance of Property, Shortage Found upon Taking Inventory, Dishonest or Criminal Acts, Breakdown of Refrigeration Equipment, Forged Bills or Lading, Loading, Shipping or Warehouse Receipts, Strikers, Locked-out Workers or Person Taking Part in Labor Disturbance, or Riot and Civil Commotion, Pollution, Artificially Generated Current, Voluntary Parting, Unauthorized Instructions and Neglect Exclusions

The second group of exclusions applies to loss or damage caused by or resulting from any of the following loss events. Some of these exclusions have exceptions, conditions or limitations that should be noted and reviewed carefully. The insurance company does not pay for any loss or damage caused by or resulting from these events.

· Delay, loss of use and loss of market These are consequential or indirect losses that develop as a result of a direct loss or damage and are not covered. Consequential or indirect losses can be insured using separate coverage forms available for use with this policy.

· Unexplained disappearance Loss due to unexplained or mysterious disappearance of covered property is excluded. This is when covered property is simply gone and there is no obvious cause or explanation of what happened to it.

· Shortage found upon taking inventory Loss as a result of an inventory shortage is similar to unexplained disappearance and is also not covered. In this case, the loss of the property is discovered only

after taking a physical count and finding that the quantity on hand is less than it should be. This is sometimes referred to as "inventory shrinkage." · Dishonest or criminal acts Loss or damage due to dishonest or criminal acts committed by the insured, its partners, employees, directors, trustees, authorized representatives or members and managers of a limited liability company is excluded. This includes anyone with an interest in the property, their employees or their authorized representatives and anyone entrusted with the property for any reason. The exclusion applies whether the persons act alone or in collusion with others or if the acts occur during regular working hours. This exclusion does not apply to covered property entrusted to carriers for hire or to acts of destruction by the insured's employees.

· Breakdown of refrigeration equipment Coverage does not apply to loss or damage caused by or resulting from the breakdown of refrigeration equipment of any kind. Breakdown is the abrupt and unexpected failure of machines, tools or mechanisms to operate or function properly.

· Forged bills of lading, loading, shipping or warehouse receipts Loss caused by or resulting from forged or fraudulent bills of lading, loading, shipping or warehouse receipts is not covered. This exclusion is closely related to, and is an expansion of, the exclusion relating to dishonest or criminal acts but applies to any party, whether or not it has an interest in the covered property.

· Strikers, locked-out workers or persons taking part in labor disturbances, or riot and civil commotion Coverage does not apply to loss or damage to covered property caused by, resulting from or arising out of any of these actions. This exclusion is also closely related to the exclusion relating to dishonest or criminal acts but is broadened to include any public acts involving riot and other civil disturbances.

· Pollution Loss or damage caused by the discharge, dispersal, seepage, migration, release or escape of pollutants not caused by a specified cause of loss is not covered. If a loss or damage from the pollution event causes a specified cause of loss to occur, coverage applies for the resulting loss or damage from the specified cause of loss.

· Artificially generated current Loss or damage caused by or resulting from artificially generated current that creates a short circuit or similar electrical disturbance within covered property is excluded. If the loss event causes a fire or explosion and this insurance covers

fire and explosion, the loss or damage resulting from the fire or explosion is covered. This exclusion only applies to loss or damage to the article in which the disturbance occurs.

· Voluntary parting Losses due to voluntary parting with covered property by the insured, or anyone else entrusted with the property, when induced to do so by any fraudulent scheme, trick, device or false pretense are not covered.

· Unauthorized instructions Unauthorized instructions to transfer covered property to another person or place that results in loss or damage to the property transferred is excluded.

· Neglect Loss or damage due to neglect on the part of the insured to use every means available and at its disposal to first save property and then to preserve it and keep it from further damage at the time of loss and afterwards is not covered. 125.Ware and Tear and Depreciation, Machinery Breakdown, Insects, Vermin or Rodents and Corrosion, Rust, Dampness or Extremes of Temperature Exclusions

The third group of exclusions applies to loss or damage caused by or resulting from any of the following loss events. In every case, if loss or damage by a covered cause of loss occurs as a result of the occurrence of one of these excluded events, coverage applies to the loss or damage caused by the resulting covered cause of loss event. The insurance company does not pay for any loss or damage caused by or resulting from any of these events.

· Wear and tear and depreciation Wear and tear and depreciation that causes loss or damage is not covered. Wear and tear is damage, diminishment in value or erosion due to long or hard use or exposure, including breakdown over time and eventually becoming unusable because of previous use. This includes the tendency of property to pull apart or break down into pieces because of forces applied to it. Depreciation is loss in value, usually as a result of wear or as a function of time.

· Mechanical breakdown Mechanical breakdown is the abrupt and unexpected failure of machines, tools or mechanisms to operate or function properly and loss or damage caused by or resulting from mechanical breakdown is not covered.

· Insects, vermin or rodents Loss or damage to covered property caused by or resulting from insects, vermin or rodents is excluded. Examples are mice, rats, cockroaches, squirrels, beavers, spiders, ants, centipedes and ticks. Each is characterized by destructive habits that cause damage, such as gnawing and nibbling.

· Corrosion, rust, dampness or extremes of temperature Corrosion or rust, dampness or extremes of temperature that cause loss or damage to covered property is excluded. Corrosion and rust are low-temperature oxidation processes that result in deterioration over time due to inactivity or neglect. Dampness and temperature extremes can affect the oxidation process that affects different forms of property and can also have other effects on the same and other forms of property.