安联保险公司广州分公司董监事及高级管理人员责任保险
安联保险公司广州分公司
安联保险公司广州分公司电子设备保险条款总则第一条保险单签发义务本保险合同成立后，本公司将及时向投保人签发保险单或其他保险凭证。
第二条保险合同组成部分本保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。
保险条款分为总则、物质损失保险、数据损失保险和额外费用保险四个部分，其中总则部分无论何时均适用于后面三个部分。
投保人可在投保物质损失保险部分的前提下，选择是否投保数据损失保险与额外费用保险。
本公司按照投保人选择的承保险别分别承担保险责任。
第三条保单生效、保险期限和保单终止（一）保单生效的条件为被保险人已足额缴付保单中约定的保险费。
（二）除非另有约定，保险期限为12个月。
（三）本保单在下列情况下自动终止:1、保险标的物灭失（指保险标的物已被拆毁、丢失或失踪）;2、被保险人宣告破产或对其清算程序已经开始;3、解除保险合同通知送达被保险人。
第四条保险合同解除保险合同成立后，被保险人可随时书面申请解除保险合同，本公司亦可提前十五天发出通知解除保险合同。
对保险合同生效期间的保险费，前者按短期费率计收，后者按日计收。
第五条先行赔付义务本公司自收到赔偿或者给付保险金的请求和有关证明、资料之日起六十日内，对其赔偿或者给付保险金的数额不能确定的，会根据已有证明和资料可以确定的数额先予支付；本公司在最终确定赔偿或者给付保险金的数额后，会支付相应的差额。
第六条及时核定与赔付义务本公司收到被保险人的赔偿或者给付保险金的请求后，在30天内作出核定；但是，如有以下情形，则由被保险人和本公司双方协商处理：1. 损失的近因复杂，原因与结果联系不紧密；2. 在技术方面，损失原因的证据不清楚；3. 索赔存在不诚实及欺骗因素本公司会将核定结果通知被保险人，对属于保险责任的，在与被保险人达成赔偿或者给付保险金的协议后十日内，履行赔偿或者给付保险金义务。
保险合同对赔偿或者给付保险金的期限有约定的，本公司会按照约定履行赔偿或者给付保险金的义务。
董监事及高级职员责任保险保单样本(英文)
中国广州农林下路83号广发银行大厦18楼邮政编码：510080电话：（8620）87311888传真：（8620）87310166BusinessGuard – For Directors & OfficersNOTICE: THE POLICY PROVIDES COVERAGE ON A CLAIMS MADE BASIS. COVERAGE IS LIMITED GENERALLY TO LIABILITY FOR ONLY THOSE CLAIMS THAT ARE FIRST MADE AGAINST THE INSURED S AND REPORTED TO THE INSURER DURING THE POLICY PERIOD. PLEASE READ THE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER.SchedulePolicy Number: DOGZxxxxxxItem 1. Policyholder xxxxx Co., LtdAddress xxxItem 2. Policy Period From xxxTo xxx(bothdaysinclusive)Item 3. Limit of Liability XXXA ny one claim and in the annual aggregate for all loss,arising out of all claims made against all insureds underall insurance covers combined (including defense costs) Item 4. Retention Insurance cover B and indemnifiable loss:XXXFor any one claim including any judgments, settlementsor final agreementsAs specified in 5.4 Retention, only one retention shallbe applied for loss arising from any claim or claimsalleging a single wrongful act.Item 5. Premium XXXItem 6. Continuity Dates(i) Pending & Prior litigation: XXX(ii)Pollutionclaims: XXXXItem 7. New Subsidiary XX% of the policyholder’s total assets CoverItem 8. Territorial Scope/ Worldwide including U.S.A./Canada JurisdictionSIGNED FOR AND ON BEHALF OF THE INSURERBY AUTHORIZED REPRESENTATIVE:AMERICAN INTERNATIONAL UNDERWRITERS, LIMITED DATE: XXDIRECTORS & OFFICERS LIABILITY INSURANCEIn consideration of the payment of the premium, the Insurer agrees as follows:Cover1. InsuranceA: Directors and Officers LiabilityInsurer shall pay the Loss of each Insured resulting from any Claim first made against Thethe Insured during the policy period for any Wrongful Act in the Insured’s capacity as a director, officer or employee of the Company except for and to the extent that the Company has indemnified the Insured.B: CorporateReimbursementThe Insurer shall pay the Loss of the Company resulting from any Claim first made against the Insured during the policy period for any Wrongful Act in the Insured’s capacity as a director, officer or employee of the Company but only when and to the extent that the Company has indemnified the Insured for the Loss.Subject to the terms and conditions of this Policy, the Insurer shall advance defense costs resulting from any Claim before its final resolution.2. Definitions2.1 Associated Company means any Company of which the policyholder owns on or before theinception of the policy period more than 20 percent but less than or equal to 50 percent of the issued and outstanding voting shares either directly or indirectly through one or more of its subsidiaries.2.2 Claim means:(i) any suit or proceeding brought by any person or organization against an Insured formonetary damages or other relief, including non-pecuniary relief;(ii) any written demand from any person or organization that it is the intention of the person or organization to hold an Insured responsible for the results of any specifiedWrongful Act;(iii) any criminal prosecution brought against an Insured;(iv) any administrative or regulatory proceeding or official investigation regarding any specified Wrongful Act of an Insured;Any Claim or Claim s arising out of, based upon or attributable to a single Wrongful Act shall be considered to be a single Claim for the purposes of this Policy.2.3 Company means the policyholder specified in Item 1 of the Schedule and any subsidiary,division, sector, region, product group or other internal company structure or segment detailed in an organization chart or similar document and which has been granted this status by the policyholder or any subsidiary before the date of the Wrongful Act.2.4 Continuity date(s)means the date(s) specified in Item 6 of the Schedule. The pending andprior litigation continuity date shall be the date from which the policyholder has maintained uninterrupted cover with the Insurer, or with any other Insurer if the initial proposal form submitted to such Insurer is provided to and accepted by the Insurer at the inception of this policy, or such other date(s) as agreed with the Insurer.2.5 Defense costs means reasonable and necessary fees, costs and expenses incurred with thewritten consent of the Insurer (including premiums for any appeal bond, attachment bond or similar bond, but without obligation to apply for or furnish any bond) resulting solely from the investigation, adjustment, defense and appeal of any Claim but shall not include the salary of any Insured.2.6 Director or officer means any natural person duly appointed or elected as a director or officerof the Company.2.7 Discovery period means the period of time specified in Extension 4.3, immediately followingthe termination of this Policy during which written notice may be given to the Insurer of any Claim first made against the Insured during such period of time for any Wrongful Act occurring prior to the end of the policy period and otherwise covered by this Policy.2.8 Employment Practice Claim means any Claim or series of related Claim s relating to a past,present or prospective employee of the Company and arising out of any actual or alleged unfair or wrongful dismissal, discharge or termination, either actual or constructive, of employment, employment-related misrepresentation, wrongful failure to employ or promote, wrongful deprivation of career opportunities, wrongful discipline; failure to furnish accurate job references; failure to grant tenure or negligent employee evaluation; or sexual or workplace or racial or disability harassment of any kind (including the alleged creation of a harassing workplace environment); or unlawful discrimination, whether direct, indirect, intentional or unintentional, or failure to provide adequate employee policies and procedures.2.9 Full annual premium means the annual premium level in effect immediately prior to the endof the policy period.2.10 Insured means any natural person who was, is, or shall become a director or officer of theCompany, or any natural person who is a trustee of a pension, retirement or provident benefit fund established for the benefit of the employees of the Company.Cover will automatically apply to any natural person who becomes a director or officer after the inception date of this Policy. Insured shall include any employee of the Company, but only for a Claim or Claim s alleging Wrongful Act(s) committed by the employee in a managerial or supervisory capacity. With respect to an Employment Practice Claim only, Insured shall include any past, present or future employee of the Company.2.11 Insurer means AIU Insurance Company Guangzhou Branch.2.12 Loss means damages, judgments, settlements and defense costs; however, Loss shall notinclude civil or criminal fines or penalties imposed by law, non-compensatory damages including punitive or exemplary damages, taxes, any amount for which the Insured is not legally liable or matters which may be considered uninsurable under the law pursuant to which this policy shall be construed. Damages, judgments, settlements and defense costs incurred in more than one Claim against the Insured but resulting from a single Wrongful Act shall constitute a single Loss.2.13 No liability means:(i) a final judgment of no liability obtained prior to trial in favor of all Insured s by reasonof a motion to dismiss or a motion for summary judgment after the exhaustion of allappeals; or(ii) a final judgment of no liability obtained after trial in favor of all Insured s, after the exhaustion of all appeals.In no event shall the term no liability apply to a Claim made against an Insured for which a settlement has occurred.2.14 Not-for-profit entity means an entity registered with the Registrar of Companies underSection 21(1) of the Companies Ordinance (Cap.32) or any similar entity organized under the laws of any other jurisdiction, or a trade association which for the purposes of this policy shall mean a body of persons, whether incorporated or not, which is formed for the purpose of furthering the trade interests of its members, or of persons represented by its members.2.15 Outside entity means any associated Company, any not-for-profit entity or any othercorporation, partnership, joint venture or other organization which has been listed by endorsement to this policy.2.16 Policyholder means the organization specified in Item 1 of the Schedule.2.17 Policy period means the period of time from the inception date to the expiry date specified inItem 2 of the Schedule.2.18 Pollutants include (but are not limited to) any solid, liquid, gaseous or thermal irritant orcontaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes (but is not limited to) material to be recycled, reconditioned or reclaimed.2.19 Security means any note, stock, bond, debenture, evidence of indebtedness, share or otherequity or debt security of the Company, and shall include any certificate of interest or participation in, receipt for, warrant or other right to subscribe to or purchase, voting trust certificate relating to, certificate of deposit for, or other interest in any of the foregoing.2.20 Single Wrongful Act means a Wrongful Act or any related, continuous or repeated WrongfulAct s, whether committed by the Insured individually or by more than one Insured and whether directed to or affecting one or more than one person or legal entity.2.21 Subsidiary means companies in which the policyholder, either directly or indirectly throughone or more of its subsidiaries;(i) controls the composition of the board of directors; or(ii) controls more than half of the voting power; or(iii) holds more than half of the issued share capital.Cover for any Claim against any of the director s, officer s and employees of any subsidiary shall apply only for Wrongful Act(s) committed while such company is a subsidiary of the policyholder. However, upon written request by the policyholder, the Insurer shall consider, after assessment and evaluation of the increased exposure, granting cover for Wrongful Act(s) committed prior to the acquisition of the subsidiary by the policyholder.2.22 Transaction means anyone of the following events:policyholder consolidates with or merges into or sells all or substantially all of its (i) theassets to any other person or entity or group of persons and/or entities acting inconcert; or(ii) any person or entity, whether individually or together with any other person or persons, entity or entities acquires an amount of the outstanding shares representingmore than 50 percent of the voting power for the election of director s of thepolicyholder, or acquires the voting rights for such an amount of the shares.2.23 Wrongful Act means any actual or alleged breach of duty, breach of trust, neglect, error,misstatement, misleading statement, omission, breach of warranty of authority or other act by the director s, officer s or employees in their respective capacities as a director, officer or employee of the company or as a director, or officer of any outside entity, or any matterClaim ed against them solely because of their status as a director , officer or employee of the Company .3. ExclusionsThe Insurer shall not be liable to make any payment for Loss in connection with any Claim made against the Insured :3.1 arising out of, based upon or attributable to:(i) the gaining in fact of any personal profit or advantage to which the Insured was notlegally entitled;(ii) profits in fact made from the purchase or sale by the Insured of securities of theCompany within the meaning of Section 16(b) of the Securities Exchange Act of 1934(USA) and any amendments thereto or similar provisions of any state statutory law;(iii) the committing in fact of any dishonest or fraudulent act.For the purpose of determining the applicability of these exclusions, the Wrongful Act of anyInsured shall not be imputed to any other Insured . These exclusions shall only apply if it is established through a judgment, or any other final adjudication adverse to the Insured , or any admission by an Insured that the relevant conduct did in fact occur;3.2 arising out of, based upon or attributable to the facts alleged or to the same or relatedWrongful Act (s) alleged or contained in any Claim which has been reported or in any circumstances of which notice has been given under any policy of which this policy is a renewal or replacement or which it may succeed in time;3.3 arising out of, based upon or attributable to any pending or prior litigation as of the pendingand prior litigation continuity date specified in Item 6(i) of the Schedule, or alleging or deriving from the same or essentially the same facts as alleged in the pending or prior litigation;3.4 which are brought by or on behalf of any Insured or the Company ; provided, however, thatthis exclusion shall not apply to:(i) any Employment Practice C laim brought by any Insured ;(ii) any Claim brought or maintained by an Insured for contribution or indemnity, if theClaim directly results from another Claim otherwise covered under this Policy;(iii) any shareholder derivative action brought or maintained on behalf of the Company without the solicitation, assistance or participation of any Insured or the Company;Claim brought or maintained by a liquidator, receiver or administrative receiver any(iv)either directly or derivatively on behalf of the Company without the solicitation,assistance or participation of any Insured or the Company;anyClaim brought by an Insured or employee of the Company in their capacities as (v)members or beneficiaries of any pension, retirement or provident benefit fundestablished for the benefit of any director, secretary, executive officer or employee ofthe Company;Claim brought or maintained by any former director, officer or employee of the (vi)anyCompany.3.5 arising out of, based upon or attributable to or in any way involving, directly or indirectly, theactual, alleged or threatened discharge, dispersal, release or escape of pollutants; or any direction or request to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, nuclear material or nuclear waste.Provided, however, that the exclusion shall not apply to any Claim made against the Insured by any shareholder of the Company either directly or derivatively, alleging damage to the Company or its shareholders, unless on or before the pollution continuity date specified in item 6(ii) of the Schedule, the Company, the Insured or any employee of the Company with managerial responsibilities over environmental affairs, control or compliance, knew or could have reasonably foreseen that there existed any situation, circumstance or Wrongful Act which could have given rise to a Claim against the Company, or the Insured.3.6 arising from the actual or alleged violation of any responsibilities, obligations or dutiesimposed by the Employee Retirement Income Security Act of 1974 (USA) or any amendment thereto;3.7 arising out of, based upon or attributable to any act or omission in the Insured’s capacity as adirector or officer of any entity other than the Company, or by reason of the Insured’s status as a director, officer or employee of the other entity, other than as provided in Extension 4.2;3.8 for bodily injury, sickness, disease, death or emotional distress of any person, or damage to ordestruction of any tangible property, including Loss of use thereof; provided, however, that any Claim for emotional distress shall not be excluded with respect to an Employment Practice C laim.4. ExtensionsSubject to all of the terms and conditions of this policy, cover is extended as follows:4.1 New SubsidiariesCover under this policy is extended to any subsidiary which the policyholder acquires or creates after the inception date of this policy provided that the subsidiary has total gross assets which are less than the amount specified in Item 7 of the Schedule(i) either in the United States of America or Canada; and(ii) does not have a listing of any of its securities on any exchange in the United States of America or Canada.If a newly acquired or created subsidiary fails to meet conditions (i) and (ii) above, the policyholder may request an extension of this policy for such subsidiary provided that the policyholder shall give the Insurer sufficient details to permit the Insurer to assess and evaluate the Insurer’s potential increase in exposure. The Insurer shall be entitled to amend the policy terms and conditions, during the policy period, including by the charging of a reasonable additional premium.Unless otherwise agreed, cover as is afforded to the director s, officer s or employees of any subsidiary by virtue of this extension shall only apply for Wrongful Act(s) committed while such company is or was a subsidiary of the policyholder.4.2 Outside DirectorshipsCover includes Loss arising from any Claim made against any Insured who was, is or may become, at the specific request of the Company, a director or officer of any outside entity for any Wrongful Act in the Insured’s capacity as a director or officer of the outside entity.This cover shall be specifically excess of any insurance in force in respect of the outside entity as well as any indemnification provided by the outside entity. If the other insurance is provided by the Insurer or any member company of American International Group (or would be provided except for the application of the retention amount or the exhaustion of the limit of liability), then the total aggregate limit of liability for all Loss covered by virtue of this extension shall be reduced by the limit of liability specified in the schedule of the other American International Group insurance provided to the outside entity.The cover provided by this clause shall not apply in connection with any Claim made against any Insured by the outside entity, any of its director s or officer s or any shareholder of the outside entity holding more than 20 percent of the issued and outstanding voting share capital of the outside entity.4.3 Discovery PeriodIf the policyholder refuses to renew this policy, then the policyholder shall have the right, upon payment of an additional premium of 50 percent of the full annual premium to a discovery period of 12 months following the effective date of non-renewal.If the Insurer refuses to offer any terms or conditions to renew this policy, then the policyholder shall have the right to purchase a discovery period of 12 months for 25 percent of the full annual premium.The Insured shall be entitled to a 30 day discovery period at no additional premium if this policy is not renewed by either the policyholder or the Insurer. If the policyholder elects to purchase a discovery period, this 30-day discovery period shall be part of and not in addition to the purchased discovery period.To purchase the discovery period, the policyholder must request its purchase in writing within15 days of the termination date of the policy and must tender the additional premium within30 days of the termination date. The additional premium is not refundable and the discoveryperiod is not cancelable.If a transaction takes place, then the policyholder shall not have the right to purchase a discovery period as set out above. However, the policyholder shall have the right within 30 days of the end of the policy period to request an offer from the Insurer of a discovery period for up to 72 months. The Insurer shall offer a discovery period with terms, conditions and premium as the Insurer may reasonably decide.4.4. Heirs, Estates and Legal RepresentativesIf an Insured dies, becomes incompetent, insolvent or bankrupt, this policy shall cover Loss arising from any Claim made against the estate, heirs, or legal representatives of the Insured for any Wrongful Act of such Insured.4.5 Joint Property LiabilityThis Policy shall cover Loss arising from any Claim made against the lawful spouse (whether that status is derived by reason of the statutory law, common law or otherwise of any applicable jurisdiction in the world) of an Insured for any Claim arising out of his or her status as the spouse of an Insured including any Claim that seeks damages recoverable from marital community property or property jointly held by the Insured and the spouse; provided, however, that this extension shall not afford cover for any Claim for any Wrongful Act of the spouse and that this policy shall apply only to Wrongful Act(s) of an Insured.Provisions5. General5.1 Representation and SeverabilityIn granting cover to any one Insured, the Insurer has relied upon the material statements and particulars in the proposal together with its attachments and other information supplied.These statements, attachments and information are the basis of cover and shall be considered incorporated and constituting part of this policy.The proposal shall be construed as a separate proposal by each of the Insured s. With respect to statements and particulars in the proposal, no statements made or knowledge possessed by any Insured shall be imputed to any other Insured to determine whether cover is available for any Claim made against such other Insured.5.2 Changes in Risk During Policy period(i) If during the policy period a transaction takes place, then the cover provided underthis policy is amended to apply only to Wrongful Act(s) committed prior to theeffective date of the transaction.policy period, the Company decides to make an initial offering of itsthe(ii) Ifduringsecurities in any jurisdiction, whether its securities are already traded or not, by anymeans, public or private, then as soon as the information is publicly available, theCompany shall provide the Insurer with any prospectus or offering statement for theInsurer’s evaluation and assessment of the increased exposure of the Insured and theInsurer shall be entitled to amend the terms and conditions of this policy and/orcharge a reasonable additional premium reflecting the increase in exposure. At thepolicyholder’s request, prior to the public announcement of such securities offering,the Insurer shall evaluate and assess the increased exposure and advise of allnecessary amendments to the terms and conditions of this policy and additionalpremium. In this event and at the request of the policyholder, the Insurer will enterinto a confidentiality agreement with the policyholder relating to any informationprovided regarding the proposed securities offering.5.3 Limit of LiabilityThe limit of liability specified in Item 3 of the Schedule is the total aggregate limit of the Insurer’s liability for all Loss, arising out of all Claims made against all Insured s under all insurance covers under this policy combined. The limit of liability for the discovery period shall be part of and not in addition to the total aggregate limit of liability for the policy period.Loss arising from any Claim which is made subsequent to the policy period or discovery period which pursuant to General Provision 5.5 is considered made during the policy period or discovery period shall also be subject to the same total aggregate limit of liability. Defense costs are not payable by the Insurer in addition to the total aggregate limit of liability.Defense costs are part of Loss and are subject to the total aggregate limit of liability for Loss.5.4 RetentionThe Insurer shall only be liable for the amount of Loss arising from a Claim which is in excess of the retention amount specified in Item 4 of the Schedule with regard to all Loss under all insurance covers under this policy for which the Company has indemnified or is permitted or required to indemnify the Insured. The retention amount is to be borne by the Company and shall remain unInsured. A single retention amount shall apply to Loss arising from all Claim s alleging a single Wrongful Act.Provided, however, that no retention shall apply and the Insurer shall thereupon reimburse any defense costs paid by the Company, in the event of:(i) a determination of no liability of all Insured s, or(ii) a dismissal or a stipulation to dismiss the Claim without prejudice and without the payment of any consideration by any Insured.Provided, however, that in the case of (ii) above, such reimbursement shall occur 90 days after the date of dismissal or stipulation as long as the Claim is not re-brought (or any other Claim which is subject to the same single retention by virtue of this General provision 5.4 is not brought) within that time, and further subject to an undertaking by the Company in a form acceptable to the Insurer that such reimbursement shall be paid back by the Company to the Insurer in the event the Claim (or any other Claim which is subject to the same single retention by virtue of this General Provision 5.4) is brought after such 90 day period.5.5 How to Give Notice and Report a Claim(i) Notice of a Claim or of circumstances which may result in a Claim shall be given inwriting to Financial Lines Claims, at the head office of the Insurer as shown on thedeclarations page. If posted the date of posting shall constitute the date that noticewas given, and proof of posting shall be sufficient proof of notice.Company or the Insured shall, as a condition precedent to the obligations of the (ii) TheInsurer under this policy, give written notice to the Insurer of any Claim made againstan Insured as soon as practicable and either:(a) any time during the policy period or during the discovery period; or(b) within 30 days after the end of the policy period or the discovery period, aslong as such Claim(s) is reported no later than 30 days after the date suchClaim was first made against an Insured.(iii) If, during the policy period or during the discovery period written notice of a Claim against an Insured has been given to the Insurer pursuant to the terms and conditionsof this policy, then any Claim arising out of, based upon or attributable to the factsalleged in the Claim previously notified to the Insurer or alleging a single WrongfulAct which is the same as or related to any Wrongful Act alleged in the previouslynotified Claim, shall be considered made against the Insured and reported to theInsurer at the time the first notice was given.(iv) If during the policy period or during the discovery period, the Company or the Insured shall become aware of any circumstances which may reasonably be expected to giverise to a Claim being made against an Insured and shall give written notice to theInsurer of the circumstances and the reasons for anticipating a Claim, with fullparticulars as to dates and persons involved, then any Claim which is subsequentlymade against an Insured and reported to the Insurer arising out of, based upon orattributable to the circumstances or alleging any Wrongful Act which is the same as orrelated to any Wrongful Act alleged or contained in those circumstances, shall beconsidered made against the Insured and reported to the Insurer at the time the noticeof the circumstances was first given.5.6 Advancement of CostsThe Insurer shall advance to the Insured or the Company defense costs under all insurance covers under this policy before the final disposition of the Claim. The advance payments by the Insurer shall be repaid to the Insurer by the Company or the Insured, severally according to their respective interests, in the event and to the extent that the Company or the Insured shall not be entitled to payment of the Loss under the terms and conditions of this policy.In the event and to the extent that the Company is permitted or required to indemnify the Insured but for whatever reason fails to do so, the Insurer will advance all defense costs to the Insured on behalf of the Company. In this case, however, the retention amount specified in Item 4 of the Schedule shall be repaid by the Company to the Insurer, unless the Company is insolvent.5.7 How Defense Will Be ConductedThe Insured shall have the right and duly to defend and contest any Claim. The Insurer shall have the right to effectively associate with the Insured and the Company in the defense and settlement of any Claim that appears reasonably likely to involve the Insurer, including but not limited to effectively associating in the negotiation of any settlement.The Insured shall not admit or assume any liability, enter into any settlement agreement, stipulate to any judgment or incur any defense costs without the prior written consent of the Insurer as a condition precedent to the Insurer’s liability for Loss arising out of the Claim.Only those settlements, stipulated judgments and defense costs which have been consented to by the Insurer shall be recoverable as Loss under the terms of this policy. The Insurer’s consent shall not be unreasonably withheld, provided that the Insurer shall be entitled to effectively associate in the defense and the negotiation of any settlement of any Claim in order to reach a decision as to reasonableness.。
安联保险公司广州分公司
安联保险公司广州分公司安顺企业综合保险条款总则第一条本保险合同由火灾及附加保险、租金损失保险、盗抢保险、现金保险、公众责任保险和通用条件六部分组成。
火灾及附加保险、租金损失保险、盗抢保险、现金保险、公众责任保险的约定适用于各自部分，通用条件的约定适用于整个保险合同。
保险人在本保险合同中承担的保险责任以保险合同明细表中载明的相应部分保险金额或赔偿限额为限。
第一部分火灾及附加保险保险责任第二条承保风险保险人将赔偿被保险人由以下事故所致保险标的的意外物质损失或损坏(一)火灾；(二)雷击；(三)爆炸；(四)台风；(五)风暴；(六)暴雨；(七)洪水。
第三条保险标的第一部分中，保险标的是指被保险人所有的财产或被保险人因信托或委托而持有的财产，且当该财产处于被保险场所时，被保险人负有法律上的责任。
(一)建筑物，包括其固定附着物及装置，但不包括基础和排水系统；(二)库存的商品或原材料；(三)商业办公家具，附属装置及设施，机器，设备和所有其它物品。
第四条保险金额/责任限额保险人将在本保险合同第一部分下对被保险人进行赔偿，最高以保险合同明细表中该部分所列明的保险金额/责任限额为限，同时须扣除保险合同明细表中所列明的每项事故相对应的免赔额，除非另有约定。
责任免除第五条保险人对下列各项不负责赔偿(一)露天或在建筑、装配、安装、拆卸、迁移或重改位置时的财物（不包括招牌或霓虹灯招牌）；(二)毛皮、毛皮饰衣、珠宝（包括珍珠、嵌与未嵌宝石）、手表、金、银、白金或其它珍贵金属和合金；(三)现金、现金支票和其他有价证券。
本合同另有约定的除外；(四)动物或植物；(五)因工业用锅炉、废气预热器、涡轮机或使用压力的其他容器或其容纳之物的爆炸或破裂引致自身的损失；(六)由以下事故直接或间接造成的任何损失1. 地震及其次生灾害、火山爆发或其他自然灾害所引致的火灾或爆炸；2. 保险标的的本身特性所引致的自然发热，燃烧或酵燃；3. 保险标的正处于任何形式的加热过程；4. 树林、树丛、草原、丛林或森林的燃烧，无论意外与否，或以火烧来开垦土地；5. 非本保险合同所承保风险引致的污染或感染；6. 火灾发生时或事后的盗窃所致的损失；7. 冰雹，无论其是否由风力驱使；8. 经建筑物开口而进入的雨水，除非该开口是由于台风/风暴/暴雨的直接作用而成；9. 被保险人可以但是未能采取合理措施防范而导致的积水所造成的损失；10. 地陷或山崩。
安联财产保险(中国)有限公司安联产品责任及完工操作责任保险条款(索赔发生制)
产品责任及完工操作责任保险（索赔发生制）本保单中的各条款对承保范围做出限制。
请仔细阅读保单全文，以便确定相关权利、义务以及适用范围和不适用范围。
在本保单中，“被保险人”和“被保险人的”是指“明细表”所载的指定被保险人以及在本保单项下符合被保险人资格的任何其他人或组织。
“本公司”和“本公司的”是指提供本保险的公司。
“被保险人”是指在第二部分-“被保险人”项下符合被保险人资格规定的任何人或组织。
带引号的其他词汇具有特殊含义，详见第六部分-“定义”。
第一部分 承保范围产品责任及完工操作“人身损害”及“财产损失”责任一、 保险责任(一)被保险人依法对因产品责任及完工操作风险内导致的第三人受到的“人身损害”及“财产损失” 应承担的损害赔偿责任，由本公司依本保险单的约定负赔偿责任。
本公司有权利及义务协助被保险人就该请求损害赔偿的“诉讼”进行抗辩。
但是，本公司对于不属于本保险单承保范围内的"人身损害"或"财产损失"所提出的损害赔偿请求无抗辩义务。
同时本公司有权自行对任何“意外事故”进行调查并对其产生的索赔或“诉讼”进行处理。
但是：1.本公司所负的赔偿责任总额以本保险单第三部分－责任限额的约定为限；且2.当本公司所支付的赔偿金额或和解金额达到本保险单承保范围所规定适用的责任限额时，本公司的抗辩权利或义务终止；除上述规定外，本公司无责任或义务支付其它任何金额、费用或提供其它服务，除非附加赔付部分另有明确规定。
(二)本保险单所承保的“人身损害”或“财产损失”必须符合下列条件：1.造成“人身损害”或“财产损失”的“意外事故”须发生于“承保区域”内；且2.并非在“明细表”页所载的追溯日（如有）之前、或者保险期限结束之后发生的“人身伤害”或“财产损失”；以及3.在保险期限内或者第五部分– “延长报告期”下规定的“延长报告期”内，根据下文的第（三）段，就“人身伤害”或“财产损失”而首次针对任何被保险人提出的索赔。
安联保险公司广州分公司
安联保险公司广州分公司商业综合责任保险保单（产品或已完成作业责任险）（索赔发生制）本保险单内容主要包括明细表、责任范围、除外责任、赔偿处理、被保险人义务、总则、特别条款等。
本保险单还包括投保申请书及其附件，以及保险人今后以批单方式增加的内容。
鉴于本保险单明细表中列明的被保险人向安联保险公司广州分公司（以下简称“保险人”）提出书面投保申请和有关资料（该投保申请及资料被视作本保险单的有效组成部分），并向保险人缴付了本保险单明细表中列明的保险费，保险人同意按本保险单的规定负责赔偿在本保险单明细表中列明的保险期限内被保险人依法对第三者应承担的经济赔偿责任，并特立本保险单为凭。
本保险提供索赔发生制保险，请仔细阅读全部保险单。
本保险单中各种条款限定了保险范围，请仔细阅读整套保险单以明确权利、义务以及承保与未承保范围。
本保险单中任何地方出现的“被保险人”和“被保险人的”两词均指声明中的指定被保险人以及在本保险下有资格作为指定被保险人的任何其他个人或组织。
“保险人”、和“保险人的”均指提供本保险的公司。
“被保险人”一词是指任何有资格作为本保险单下被保险人的个人或组织。
其他标有引号的词或短语具有特殊含义，请参照第六部分——定义。
第一部分保险范围产品/已完成作业引起的人身伤害和财产损失赔偿责任1. 承保协议a. 被保险人因任何适用于本保险单下“产品或已完成作业危险”，致使第三者受到“人身伤害”或“财产损失”，依照中华人民共和国法律（不包括港澳台地区法律）应由被保险人负赔偿责任时，保险人对被保险人负赔偿责任。
保险人有权利和义务为被保险人遇到的就寻求上述损失赔偿的任何“诉讼”进行抗辩。
但保险人没有义务对本保险不适用的“人身伤害”和“财产损失”引起的损失赔偿为被保险人进行抗辩。
保险人可以自行决定调查任何“意外事件”并处理任何索赔或可能引起的“诉讼”。
然而，(1) 保险人对损失的赔付金额以保险单第三节——“保险赔偿限额"中列明的金额为限(2) 当保险人就判决或双方商定的赔付金额达到适用的赔偿限额后，保险人抗辩的权利与义务中止；本保险不承担其他支付赔偿金、采取行动或提供服务的义务或责任，但补充费用条款明确规定的除外。
安联保险保险公司广州分公司
安联保险保险公司广州分公司安联家居保险第一部分家居物品全险1. 释义1.1 家庭居所在保险单明细表中详细列明的您的私人住所所在地，包括任何以家用为目的的建筑物及其附属建筑物（如车库等）。
1.2保险财产所有属于您的或由您负责保管的家具、摆设、家用及个人物品、家用电器。
不包括：a.以商业、贸易和或其他盈利为目的的财产；b.通常存放在居所以外其他处所的财产；c.需要特别保险的财产；d.动物；e.隐形眼镜；f.手提电话及手提电脑；g.钱币，包括现金、银行券及代币券、支票、汇票、划线银行汇票、流通的邮票；h.机动车辆(家用园艺器械除外)、摩托车、篷车、拖车，及已安装在这些车辆上的配件及附件；i.船及安装在船舷外侧的马达，或其配件及附件；j.飞机及其他飞行或航空装置及其附件和配件；k.房屋结构中需要在楼宇全险下投保的部分；l.贵重物品，包括但不仅限于珠宝、宝石、金银等贵重金属、手表、望远镜、艺术品、古玩、毛皮和乐器。
1.3个人物品属于您或属于与您一起常住的家庭成员的、特别设计用以穿戴或随身携带的个人用品。
2.保险责任本公司对您所投保财产的不可预见的、突发的物质损失予以赔偿，除外责任列明的情况除外。
赔偿限额本部分项下本公司所承担的赔偿限额不超过下列规定：a.家庭电器用品及设备，包括但不仅限于电冰箱、空调、洗衣机、微波炉、烤炉等，每单件赔偿限额为5,000元人民币；b.每一保险期间内发生的所有损失，赔偿金额以保险单明细表所列明的保险金额／责任限额为限，除非另有约定。
若物品为部分损坏，理赔将以修理的方式进行；若为完全损毁，则理赔将按照该物品损毁发生时的市场价值支付赔偿金。
若遭损坏的物品能够被修理但未进行修理，本公司将赔偿由于损坏所造成的物品价值损失，但数额不超过预计的修理费用。
对于套件或组件中的部分，或具有相似特性、色调、图案以及设计风格的一组物品中的部分，本公司对其中未损坏或残留的物品将不作重置赔偿或其他处理。
安联保险公司广州分公司公司董事及高级职员责任保险
安联保险公司广州分公司公司董事及高级职员责任保险一、董事及高级管理人员责任基于发生在保险期间开始前或在该期间内的不当行为而提出的索赔，其第一次提出时间是在保险期间内或在延长报告期内，而且被保险个人因此所致的依照中华人民共和国法律（不包括港澳台地区法律）承担的经济赔偿责任不能从被保险公司获得赔偿的，保险人同意代被保险个人给付。
二、公司补偿保险基于发生在保险期间开始前或在该期间内的不当行为而提出的索赔，其第一次提出时间是在保险期间内或在延长索赔通知期限内的，如果被保险公司因法律允许或要求或未禁止对被保险个人予以赔偿的损失，保险人同意代被保险公司给付。
三、被保险个人配偶的赔偿责任被保险个人因过失行为被提起索赔时，其配偶如因配偶身份或因与被保险个人共同拥有财产而被连带提起索赔或被执行财产，保险人对其配偶的损失视同被保险个人的损失，按本保险合同的约定负责赔偿。
但因被保险个人配偶本人的过失行为所致的赔偿责任，则不在本保险合同保障范围内。
四、诉讼费用在发生保险责任范围内的事故后，被保险个人因被提起索赔发生的诉讼费用，保险人在保险合同约定的范围内负责赔偿。
经事先书面同意，保险人可在索赔发生时向被保险个人先行支付诉讼费用。
五、继承人或法定代理人责任若被保险个人死亡、失去完全民事行为能力、破产、财务困难时，保险人赔偿因被保险人的不当行为导致第三方对其遗产管理人、法定代理人、继承人或受让人提出的赔偿请求产生的损失。
六、责任免除保险人对下列各项针对被保险个人的索赔不负赔偿责任：（1）由被保险个人、被保险公司或以被保险个人、被保险公司名义提出的索赔，但以下情况不在此限：1、由非被保险个人之一人或数人以被保险公司名义所提出的衍生性索赔案件，且被保险个人、被保险公司就该索赔并未参与或提供协助；2、由被保险个人因第三者索赔向其他被保险个人提出责任分摊或损失补偿；3、被保险个人基于其他被保险个人的不当解雇、涉及不当解雇的诽谤、歧视或性骚扰而提出的索赔。
董(监)事及高级职员责任保险(简称D&O保险)
Endorsement Number:Policy Number:Applicant:Effective Date of Endorsement:Professional Services Exclusion (Failure to Supervise)It is understood and agreed that the Insurer shall not be liable to make any payment under this Policy based on, arising from or attributable to the Company’s performance or the Insured’s performance or attempted performance of professional services for any third party or any act, error or omission relating thereto provided that this exclusion shall not apply to Loss solely based on or arising from any allegation of a failure to supervise any Employee of the Company.In all other respects this Policy remains unaltered.批单号：保险合同号：投保人：批单生效日：专业责任除外条款（不适用于疏于监察）兹经双方了解并同意，保险人不负责赔偿任何基于、起因于或归因于被保险机构或被保险人向第三方提供的专业服务或尝试提供的专业服务的责任，或与提供该专业服务中的行为、错误或不作为有关的责任。
但是，此除外条款并不适用于仅因为疏于监察被保险机构的雇员的任何指控所造成的损失。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
安联保险公司广州分公司
董监事及高级管理人员责任保险
保险单
保险人安联保险公司广州分公司,经投保人投保下列之“董监事及高级管理人员责任保险”并缴付约定保险费,同意在下列保险期间依据本保险合同,对因保险事故导致的赔偿请求而产生的损失承担赔偿责任。
投保人和被保险人已了解并同意,本保险单、保险条款、特别条款、批单,投保书及其它约定书,均为本保险合同的一部分,特立本保险单存证。
董监事及高级管理人员责任保险合同条款
第一条保险责任
一. 董事与高级管理人员责任保险
保险人对任何被保险人因履行被保险公司董事、高级管理人员或雇员职责时的不当行为而在保险期间内首次遭受赔偿请求, 依照中华人民共和国法律(不包括港澳台地区法律)承担的经济赔偿责任”负责赔偿,但被保险公司已经补偿被保险人损失的金额除外。
二. 公司补偿保险
保险人对被保险公司因被保险人履行被保险公司董事、高级管理人员或雇员职责时的不当行为而在保险期间内首次遭受赔偿请求, 依照中华人民共和国法律(不包括港澳台地区法律)承担的经济赔偿责任”所导致的被保险公司的损失负责赔偿,但应以被保险公司已经补偿被保险人损失的金额为限。
保险人依照本保险合同的规定,在赔偿请求最终解决前,预付因此所产生的抗
辩费用。
第二条定义
本保险合同内所使用的名词,其定义如下:
一、“关联企业”:指在保险期间起始日或之前,其已发行的有表决权的股份
中超过百分之二十但少于或等于百分之五十的股份, 为投保人直接持有或经由其一间或多间子公司间接持有的公司。
二、“赔偿请求”:指
1.任何个人或组织因请求给予金钱赔偿或其他救济(包括非金钱的救
济)对被保险人所提起的诉讼或其他法律程序;
2.任何个人或组织要求被保险人对特定不当行为的结果承担责任的书
面请求;
3.任何针对被保险人提起的刑事诉讼;
4.任何针对被保险人的特定不当行为提起的行政程序、监管程序或官方
调查。
可归因于单一不当行为,或由其所产生,或以其为基础的任何单次或多次的赔
偿请求,在本保险合同下应被视为单一赔偿请求。
三、“被保险公司”:指保险单的第一项所载的投保人及在不当行为发生日前,在公
司组织结构图或类似文件中详细载明并经投保人或其子公司认可的子公司、分
部、部门、区域性机构、生产群体或其他的公司内部单位。
四、“连续承保日”:指保险单第六项所记载的日期。
待决及以前的诉讼的连续承保
日是指投保人连续向保险人或其它保险公司投保本类保险的首日,或其它经保
险人同意的日期。
如按向其它保险公司连续投保之首日计算,投保人应在本保
险合同起始日时向保险人提供其向该保险公司提交的首份投保书,且以保险人
接受为条件。
五、“抗辩费用”:指完全因赔偿请求的调查、理算、抗辩及上诉所产生且经保险人
书面同意的合理且必要的费用(包括因提供诉讼保证金, 扣押保证金或类似的
保证金所产生的费用,但保险人无义务申请或提供任何保证金),但不包括被
保险人的薪金。
六、“董事或高级管理人员”:指任何被合法指派或选任为被保险公司董事、监事或
高级管理人员的自然人。
七、“发现期”:指依第四条第三项规定,自本保险合同终止后立即起算的期间;于
该发现期内,若被保险人因发生于保险期间届满前且为本保险合同所承保的不
当行为而首次遭受赔偿请求,被保险人可书面通知保险人。
八、“雇佣行为赔偿请求”:指由下列原因引起的有关被保险公司过去、现在或未来
雇员的赔偿请求或一系列相关联的赔偿请求:
1.事实上或被指称为不公平或不正当的免职,或事实的或推定的雇佣合
同终止行为;
2.与雇佣有关的错误陈述;
3.不当的不予雇佣或提升;
4.不当的剥夺工作机会;
5.不当的惩罚;
6.未提供正确的求职推荐函;
7.对雇员的评估有疏误;
8.任何形式的在性别、工作地点、种族,残障方面的骚扰(包括被指称
营造一种具骚扰性的工作环境);
9.直接或间接,有意或无意的不合法歧视;
10.未能提供充分的雇佣政策及程序。
九、“全额年保险费”:指在保险期间届满前有效的年保险费。
十、“被保险人”:指任何过去、现在或未来担任被保险公司董事或高级管理人员的
自然人,或担任针对被保险公司雇员利益成立的年金、退休金或福利金基金受
托人的自然人。
本保险合同承保范围将自动适用于在保险期间首日后成为董事
或高级管理人员的自然人。
被保险人将包括被保险公司的雇员,但仅以雇员履
行管理或监督职责时的不当行为引起的赔偿请求为限。
仅就雇佣行为赔偿请求
而言,被保险人包括被保险公司过去、现在或未来的雇员。
十一、“保险人”:指承保本保险的安联保险公司广州分公司
十二、“损失”:指判决、裁决或和解的损害赔偿金及抗辩费用,但不包括法律规定的任何罚金或罚款(包括但不限于民事或刑事的罚金)、非补偿性的损
害赔偿金(包括惩罚性赔偿金)、税金、被保险人非依法承担的金额或依
法不得承保的事故。
由单一不当行为引起的数起赔偿请求所发生的损害赔
偿金、判决、和解及抗辩费用,视为单一损失。
十三、“无责任”:指
1.用尽所有救济手段后,由于驳回诉讼请求或申请简易判决,
所有被保险人在审判前获得无责任的最终有利裁决。
2.用尽所有救济手段后,所有被保险人在审判后获得无责任的
最终有利裁决。
若赔偿请求已达成和解,则“无责任”一词不适用于该赔偿请求。
十四、“非营利实体”:指依法登记成立的非营利性实体或行业协会或成立于其他国家境内的,为促进其组成成员所代表的商业利益的多数人的类似实
体,不论是否为法人。
十五、“外部实体”:指任何关联企业,非营利实体或本保险合同的批单所列明的其他法人、合伙、合资企业或组织。
十六、“投保人”:指保险单第一项所记载的公司。
十七、“保险期间”:指保险单第二项所记载起始日起至到期日止的期间。
十八、“污染物质”:包括(但不限于)任何固态的、液态的、气态的或具有热量的刺激物质或污染物质,包括烟、蒸气、煤灰、臭气、酸、化学物质及废
弃物。
废弃物包括(但不限于)回收、修复或再制的物质。
十九、“有价证券”:指被保险公司的任何票据、股票、公债、公司债券、债券凭证、股份或其他股东权益或债务担保品,并包括任何关于上述有价证券的权益凭证、
收据、认购权、表决权信托凭证、存托凭证、或其他利益凭证。
二十、“单一不当行为”:指一个不当行为或任何相关联的、连续的或重复的多次不当行为,不论是单个或多个被保险人所为,亦不论是指向或影响一个或
多个自然人或法人。
二十一、“子公司”:指投保人直接或通过其一间或多间子公司间接:
1.控制其董事会组成的公司;或
2.控制其过半数表决权的公司;或
3.控制其过半数已发行股份的公司。
本保险仅承保子公司的董事、高级管理人员或雇员在该公司作为投保人之子公司期
间的不当行为所引起的赔偿请求。
但是,应投保人的书面请求,保险人对增加的危
险进行评估后,可以将承保范围扩展至投保人购并该子公司前的不当行为。
二十二、“交易”:指下列事件任何一件:
1.投保人与他人合并或被兼并,向他人出售其全部或绝大部分资
产;
2.任何个人或实体,单独或共同取得代表投保人董事选举权总数超
过百分之五十的已发行股份,或取得上述股份的选举权。
二十三.“不当行为”:指董事或高级管理人员或雇员,以被保险公司或外部实体的董事或高级管理人员的身份,在执行其职责时的实际的或被指称
的违反职责、违反信托、过失、错误、错误陈述、误导性陈述、遗漏、
违反授权或其它行为,或其它仅仅因为其作为被保险公司的董事、高
级管理人员或雇员身份而提出的赔偿请求所指称的事宜。
第三条除外责任
保险人对与下列对被保险人提出的赔偿请求有关的损失不负赔偿责任:
一、可归因于下述原因或由其所产生或以其为基础的赔偿请求:
1.被保险人事实上获得依法无权获得的个人利润或利益;
2.如果被保险公司或被保险人受美国法律管辖,被保险人事实上违反美国证
券交易法第十六节(b)项或其修正条款或类似的州法买卖被保险公司的有
价证券所得的利润;
3.被保险人事实上的不诚实、欺诈行为。
为确定是否适用上述除外责任,任一被保险人的不当行为不应被归咎于任何其他
被保险人。
上述除外责任,仅在其事实经判决或裁决确认后,或被保险人承认相
关行为属实后,才能适用。
继续阅读。