平安保险董事及高级职员责任险保单、条款、投保单.doc
董事、监事及高级管理人员职业责任保险条款
董事、监事及髙级管理人员职业责任保险条款总则第一条本保险合同山保险条款、投保单、保险单、保险凭证以及批单组成。
凡涉及本保险合同的约定，均应采用书面形式。
第二条凡依照中华人民共和国法律（以下简称'‘依法”）设立的上市公司的董事、监事及公司章程中规定的高级管理人员，均可作为本保险的被保险人。
保险责任第三条在本保险单明细表中列明的保险期限或追溯期及承保区域范围内，被保险人在履行董事、监事及高级管理人员的职责时，因过失导致在公司公告招股说明书、公司债券募集办法、财务会计报告、上市报告文件、定期报告（年报、中报、季报）、临时报告中，存在虚假记载、误导性陈述或者有重大遗漏，致使投资者（股东）在证券交易中遭受损失，在本保险期限内，山投资者（股东）首次向被保险人提岀索赔申请，依法应山被保险人承担民事赔偿责任时，保险人根据本保险合同的约定负责赔偿。
发生保险责任范围内的事故后，被保险人为控制或减少损失所支付的必要的、合理的费用，保险人依照本条款规定负责赔偿。
第四条保险责任范圉内的事故发生后，事先经保险人书面同意的法律费用, 包括事故鉴定费、查勘费、取证费、仲裁或诉讼费、案件受理费、律师费等，保险人在约定的限额内也负责赔偿。
责任免除第五条下列原因造成的损失、费用和责任，保险人不负责赔偿：（一）投保人.被保险人的故意行为或非执业行为；（二）由被保险人或以被保险人名义提出的索赔；（三）被保险人以受托人.管理人的身份在管理或经营退休金.年金、分红、职工福利基金或其他职工福利项目时违反职责或合同义务的行为引起的索赔；、’（四）被保险人在所属公司以外的其他组织兼任职务时引起的索赔；（五）在中华人民共和国境外以及港、澳、台地区提起的诉讼；（六）被保险人因获知其他交易者无法得知的内幕消息，而买卖本公司证券的行为；（七）为获取不当利益，而对政府职能部门.社会团体及利益关系人支付款项、佣金.赠与S贿赂的行为；（八）担保行为。
第六条下列各项损失.费用和责任，保险人也不负责赔偿：（一）被保险人对投资者（股东）的身体伤害及有形财产的毁损或灭失;（二）对投资者（股东）的精神伤害；（三）罚款或惩罚性赔款；<H）被保险人与他人签直协议所约定的责任，但不包括没有该协议被保险人仍应承担的民事赔偿责任。
董(监)事及高级职员责任保险条款
华泰财产保险股份有限公司董（监）事及高级职员责任保险条款（如遇争议，以英文条款为准）鉴于本保险合同承保明细表中列明的投保人/被保险公司或被保险人向华泰财产保险股份有限公司（以下简称“华泰”）提交投保单和有关资料（该投保单及其所附资料中的陈述被视为本保险合同的有效组成部分），并向华泰缴付保险合同保险费，华泰同意按本保险合同的条款、条件、除外责任和责任限额的约定负责赔偿在本保险合同承保明细表中列明的保险期间内被保险人依法对第三者应承担的经济赔偿责任。
1.保险责任在保险期间内，被保险人因本保险合同承保的不当行为而首次被他人提出赔偿请求，被保险人由此依法应负经济赔偿责任时，华泰同意依照本保险合同的约定对被保险人负赔偿责任。
被保险公司如根据有关公司补偿的法律、法规、规则或协议必须先行支付或赔偿被保险人的损失时，华泰对被保险公司的相应损失也负赔偿责任。
2. 定义(a) 行政机关指任何国家、省级或地方政府，政府性或行政性机构、机关或委员会。
(b) 赔偿请求指被保险公司或被指控实施不当行为的被保险人收到任何个人或组织要求被保险人应对其不当行为的结果承担责任的通知，包括被保险人收到将被保险人列为被告而要求其支付金钱或履行义务的请求、或针对被保险人的法律、仲裁、或行政程序。
(c) 被保险公司指保险合同承保明细表第（二）项所载的被保险公司及其任何子公司。
(d) 免赔额指保险合同承保明细表第（五）项所载的金额。
(e) 抗辩费用指经华泰事先书面同意，由被保险人或为被保险人利益而支出的为本保险合同所承保的赔偿请求进行抗辩或上诉所必需且合理的律师费、成本和支出（但不应包括被保险人及被保险公司雇员的工资、薪水或其它任何报酬）。
(f) 发现期间指第三条（f）款中应于本保险合同期限届满后立即起算的12个月期间。
(g) 雇佣行为责任指与被保险公司任何过去、现在或将来的雇员有关的任何事实的或被指控的下列责任：(1) 与雇佣有关的性骚扰或其他非法骚扰；(2) 非法的终止雇佣关系；(3) 与雇佣有关的非法歧视；(4) 违反与雇佣有关的公平公正原则；(5) 涉及被保险公司雇佣条款的不真实或误导性的广告或陈述；(6) 与雇佣有关的诽谤；(7) 不予雇佣、升迁或授予职位；(8) 不公平的剥夺职业发展机会；(9) 不公平的公司规章制度或不公平的工作绩效评估；(10) 未提供或遵循适当的雇佣政策或程序；(11) 违反任何规范雇佣行为的法律或法规；(12) 违反雇佣合同；(13) 与雇佣有关的侵犯隐私。
平安保险董事及高级职员责任险保单、条款、投保单
鉴于本保险单明细表中所列明的投保人向中国平安保险股份有限公司（以下简称“本公司”）提交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），并向本公司缴付了本保险单明细表中列明的保险费，本公司将根据本保险单或与本保险单有关的批单中规定的条款、责任免除、限额和条件事项，负责赔偿在本保险单明细表中列明的保险期限内被保险个人依法对第三者应承担的经济赔偿责任，特立本保险单为凭。
董事及高级职员责任保险单明细表1、被保险公司/投保人：2、被保险个人：3、被保险公司地址：4、每次事故赔偿限额：每次事故诉讼费用包含在每次事故赔偿限额内，不另行计算。
5、累计赔偿限额：累计诉讼费用包含在累计赔偿限额内，不另行计算。
6、每次事故免赔额：适用于保险责任第二条项下发生的索赔（包括诉讼费用）。
7、保险费：8、保险期限：自年月日中午十二时起到年月日中午十二时止9、付费日期：10、溯及日：除非另有约定，本保险承担赔偿责任时，以被保险董事及高级职员引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险董事及高级职员提出索赔为前提。
11、争议解决方式：有关本合同的争议，协商解决不成的，可选择仲裁或依法向人民法院起诉。
如选择仲裁的，应列明指定的仲裁委员会。
日期：_______________________ 中国平安保险股份有限公司（盖章）签单公司地址及电话：__________________（本保单加盖保单专用章后生效）复核：制单：公司董事及高级职员责任保险条款保险责任第一条董事及高级职员责任保险被保险个人在以其被保险个人的身份执行职务的过程中，由于单独或共同的过错行为导致第三者遭受经济损失，依法应由被保险个人承担的经济赔偿责任，且被保险个人不能从被保险公司获得赔偿的，本公司按本保单的约定负责赔偿。
但本公司承担上述赔偿责任时，以被保险个人引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险个人提出索赔为前提。
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.。
中国平安各人员责任保险ppt(共30页)
除外责任
增发或其它再融资行为须另行通知 被保险人向被保险人提出的索赔 持股20％以上的大股东提出的索赔 贿赂行为引起的索赔 金融机构职业行为引起的索赔
除外责任
欺诈、犯罪、恶意行为 内幕交易行为 环境污染、核辐射 人身伤害、财产损失 任何罚款或惩罚性赔偿
责任范围
被保险人－特别注意
影子董事－shadow director 即指实际履行董事职责的人，无论其title是什么
雇员－作为被保险人仅适用于以下三种情况 1、作为公司的管理者 2、作为雇佣行为诉讼的对象 3、作为共同被告
责任范围
责任范围一 董事及高管责任险
（一）董事、监事和高级管理人员的赔偿责任
平安董事、监事和高级管理 人员责任保险保险 D&O Insurance
2010年10月
被保险人
投保人为公司 被保险人为公司的董事及高管； 包括各级子公司的董事及高管；
被保险人
现任、前任及继任董事，独立董事 高级管理人员 董事及高管的配偶 董事及高管的继承人 董事及高管的法定代理人 扩展承保监事扩展 承保外部董事 扩展承保代表公司履行管理职责的员工 在承保范围三项下，公司也是被保险人
附加保障范围－－调查和监管程序法律费用扩 展条款
兹经合同双方同意并约定，如果政府相关部门、监 管机构、公诉人在本保险期间内向被保险个人提起调查、 监管程序或罚款主张，且其首次提起该调查、监管程序 或罚款主张的时间是在本保险期间内，则保险人负责在 限额内赔偿被保险个人发生的、经保险人事先同意的合 理必要的法律费用。如果该调查、监管程序或罚款主张 涉及被保险个人的刑事责任，则保险人赔偿法律费用的 前提条件是被保险个人最终被宣告无罪。
如果第三方以被保险个人在自追溯日起至保险期间终 止日止的期间内以被保险个人的身份执行职务时的错误 行为为由，在本保险期间内向被保险个人提出索赔，且 其首次提出索赔的时间是在本保险期间内，对于被保险 个人的损失，在被保险公司无义务或无能力补偿被保险 个人时，保险人在被保险公司无法补偿的范围内负责赔 偿。
平安投保单
Herein apply to the Company for Transportation Insurance of following cargo:
Description:
Marks & Nos.:N/M
Quantity:CARTONS
请将保险货物项目、标记、数量及包装注明此上.
投保人兹声明上述所填内容属实,同意以投保单元作为订立保险合同的依据,对贵公司就货物运输保险条款及附加条款(包括责任免除和投保人及被保险人义务部分)的内容及说明已经了解.
I declare that above is true to the best of my knowledge and belief, and hereby agree that the application be incorporated into the policy .I have read and understand the Company’s cargo transportation insurance clauses and extensions (including the Exclusions and the applicant’s or insured’s Obligations).
Please state items, marks, quantity and packing of cargo insured here above.
请将投保险别和信用证条款注明如下：
Please state risks insured against and conditions:
运输工具(船名/车号):WAN HAI 505
集装箱运输:是□否■
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。
平安雇主责任保险(A条款)投保单
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鉴于本保险单明细表中所列明的投保人向中国平安保险股份有限公司（以下简称“本公司”）提交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），并向本公司缴付了本保险单明细表中列明的保险费，本公司将根据本保险单或与本保险单有关的批单中规定的条款、责任免除、限额和条件事项，负责赔偿在本保险单明细表中列明的保险期限内被保险个人依法对第三者应承担的经济赔偿责任，特立本保险单为凭。
董事及高级职员责任保险单明细表1、被保险公司/投保人：2、被保险个人：3、被保险公司地址：4、每次事故赔偿限额：每次事故诉讼费用包含在每次事故赔偿限额内，不另行计算。
5、累计赔偿限额：累计诉讼费用包含在累计赔偿限额内，不另行计算。
6、每次事故免赔额：适用于保险责任第二条项下发生的索赔（包括诉讼费用）。
7、保险费：8、保险期限：自年月日中午十二时起到年月日中午十二时止9、付费日期：10、溯及日：除非另有约定，本保险承担赔偿责任时，以被保险董事及高级职员引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险董事及高级职员提出索赔为前提。
11、争议解决方式：有关本合同的争议，协商解决不成的，可选择仲裁或依法向人民法院起诉。
如选择仲裁的，应列明指定的仲裁委员会。
日期：_______________________ 中国平安保险股份有限公司（盖章）签单公司地址及电话：__________________（本保单加盖保单专用章后生效）复核：制单：公司董事及高级职员责任保险条款保险责任第一条董事及高级职员责任保险被保险个人在以其被保险个人的身份执行职务的过程中，由于单独或共同的过错行为导致第三者遭受经济损失，依法应由被保险个人承担的经济赔偿责任，且被保险个人不能从被保险公司获得赔偿的，本公司按本保单的约定负责赔偿。
但本公司承担上述赔偿责任时，以被保险个人引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险个人提出索赔为前提。
第二条公司补偿保险被保险个人在以其被保险个人的身份执行职务的过程中，由于单独或共同的过错行为导致第三者遭受经济损失，依法应由被保险个人承担的经济赔偿责任，且被保险个人依照法律要求或许可可以从被保险公司获得赔偿的，本公司按本保单的约定，代表被保险公司在被保险个人所受损失范围内负责赔偿。
但本公司承担上述赔偿责任时，以被保险个人引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险个人提出索赔为前提。
第三条被保险个人配偶的赔偿责任被保险个人因上述过错行为被提起索赔时，其配偶如因配偶身份或与因与被保险人共同拥有财产而被连带提起索赔或被执行财产，本公司对其配偶的损失视同被保险个人的损失，按本保险单规定负责赔偿。
但因被保险个人的配偶本人的过错行为所致的赔偿责任，则不在本保单保障范围内。
第四条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诉讼发生的经本公司事先书面同意的诉讼费用，本公司在保单约定的范围内负责赔偿，但该诉讼费用包含在保单载明的赔偿限额内，不另外计算。
经被保险人申请，本公司在认为必要时，对已书面同意的诉讼费用可先行垫付。
第五条继承人或法定代理人保障若被保险个人死亡、失去完全民事行为能力、破产、财务困难时，第三者对其继承人或法定代理人提出索赔，索赔原因是由于被保险个人在执行职务过程中的过错引起的，本公司将该索赔视同第三者对被保险个人的索赔，适用于本条款的规定。
责任免除第六条本公司对下列各项针对被保险个人的索赔不负赔偿责任：一、由被保险人或以被保险人名义提出的索赔，但以下情况不在此限：（一）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；且被保险人就该索赔并未参予或提供协助；（二）由被保险个人因本保险承保的损失个案向其他被保险个人提出责任分摊或损害补偿的索赔；或（三）被保险个人基于其他被保险个人的下述行为而提出的索赔请求：1、不当解雇或被指控不当解雇；2、涉及解雇的诽谤；3、歧视；4、性骚扰。
二、被保险个人因获知其他交易者无法得知的内幕消息，而买卖被保险公司的证券获得不当得利的行为；三、为获取利益，而对政治团体、政府或军方官员、客户、债权人或债务人或其代表、利益关系人支付款项、佣金、赠与、贿赂的行为；四、对外担保。
五、任何罚款或惩罚性赔偿。
第七条本公司对于针对被保险个人由于下列行为被提起的索赔或与此等行为有直接或间接关系，又或系由此等行为引申或衍生而成的索赔事故不负赔偿责任：一、被保险个人以受托人、管理人的身份在管理或经营退休金、年金、分红、职工福利基金或其他职工福利项目时违反职责或合同义务的行为所导致的索赔；二、欺诈、犯罪、恶意或故意行为；三、直接或间接造成任何人的疾病、伤残、死亡、精神伤害，或任何有形财产的损失，包括财产不能使用的损失或任何间接损失；四、（一）实际或被指称或威胁将污染源释出、渗漏或处理污染源时污染动产、不动产、大气或水源；（二）被保险人受指示或受请求或自行进行测试、监控、清除、处理污染源或予以解毒或中和；包括但不限于上述（一）或（二）情况导致被保险公司或其相关机构，其证券持有人或其债权人发生财务损失而被提起的索赔。
五、核辐射、核污染、核反应或其它同位素、废弃物的污染。
第八条本公司对基于下列情况或事实，又或与此等情况或事实有直接或间接关系，又或系由此等情况或事实引申或衍生而成的索赔事故不负赔偿责任：一、在本保单生效日前被保险个人已知悉或应知悉的第三者索赔，或已被威胁或暗示提出的索赔；二、在本保单生效日前，已经发生且被保险个人亦已知悉或应当知悉的过错行为；三、对于属于以往保险单的承保责任范围，在以往保险单下已提出索赔，但因索赔金额超出原保险单的最高赔偿限额而未获赔偿的部分；第九条本公司对基于下列情况或事实，又或与此等情况或事实有直接或间接关系，又或系由此等情况或事实所引申或衍生而成的索赔事故不负赔偿责任：一、由本保险单列明的主要股东向其他被保险个人提出的任何索赔事故；二、由任何第三者针对被保险公司提出的索赔事故。
赔偿限额和免赔额第十条不论对本条款第一条和第二条提起的索赔是分别发生还是同时发生，本公司承担的赔偿责任以保单明细表中载明的每次事故赔偿限额及总赔偿限额为限，诉讼费用包含在赔偿限额内。
第十一条本公司只对本保险单规定的每次事故免赔额以上的被保险个人或被保险公司损失负责赔偿，免赔额以内的损失由被保险个人或公司承担。
赔偿处理第十二条被保险人在接到第三者就其过错行为提出的索赔请求时，应在保险有效期内，及时通知本公司，并按本公司的要求提供索赔文件或材料。
在保险期限内，被保险人如果得悉可能引起索赔或损失的状况后，及时书面通知本公司的，则在此以后因该状况引起的索赔视作第三者在保险期限内提出的索赔。
第十三条被保险人索赔时，应向本公司提供下列文件或材料：一、保险单正本;二、第三者索赔的书面文件或有关法律文书；三、被保险个人的过错或被第三者推定为过错的行为性质及情况说明；四、实际的或潜在的提出索赔的第三者姓名；五、本公司要求提供的其它材料。
第十四条发生本保险单项下的索赔时，未经本公司书面同意，被保险人或其代表方不得作出任何承诺、出价、付款、约定、承认责任或赔偿。
在必要时，本公司有权以被保险人的名义接办对诉讼的抗辩或索赔的处理，被保险人应提供必要的资料和帮助。
第十五条发生保险事故时，如存在重复保险的情况，本公司仅负按比例分摊赔偿的责任。
第十六条若被保险个人明知是虚假的事故而向本公司索赔，或伪造事故向本公司索赔，本公司有权解除保险合同，被保险个人自动丧失在本保险单项下的权利。
第十七条被保险个人破产，不影响本保险单的效力。
投保人和被保险人义务第十八条投保人应向本公司如实告知与其业务有关的情况。
第十九条投保人应当按约定缴付保险费。
第二十条被保险人应当遵守国家法律、法规，谨慎行事，防止责任事故的发生。
第二十一条在保险期间内，被保险公司发生合并、兼并、分立、收购、资产置换事宜或成立新的子公司，应自该事件开始发生之日起30日内书面通知本公司，本公司有权根据风险状况决定是否予以扩展承保；如本公司决定扩展承保，将办理有关批改手续，并根据风险状况补收相应的保险费。
第二十二条被保险人接到第三者的索赔申请或获得可能引起索赔的信息时，应自收到索赔申请或知悉该信息之日起30日内书面通知本公司，并尽力采取一切合理措施以避免或者减小损失程度，包括搜集有关材料和证据，积极抗辩。
第二十三条被保险个人对本保险的存在负有保密义务，即不得向被保险公司以外的无关人员透露本保险合同的存在。
第二十四条在保险期间内若被保险公司被其他公司全面收购、兼并或取得被保险公司直接或间接控股50%，或享有50%以上的表决权，本保单仍会继续生效至保单载明的截止日期为止。
但在此等情况下，本公司仅对被保险个人在该兼并、收购或股权转移生效日之前的过错行为承担赔偿责任。
被保险人必须在该兼并、收购或股权转移等发生之日起30日内以书面方式知会本公司，并向本公司提交一切有关文件材料。
第二十五条在保险期间内若被保险人在投保单中列明之大股东的持股数量发生变化，或者被其他当前存在的、新增的大股东所取代，或者有新的按照投保单要求必须列明的大股东产生，被保险人应自知悉该交易之日起30日内以书面方式知会本公司并提交一切与该交易有关的资料。
本公司有权根据风险状况补收相应的保险费。
第二十六条投保人或被保险人如不履行本条款第十八条至第二十五条规定的义务，本公司有权依据实际情况决定是否给予赔偿，或者自书面通知之日起终止保险合同。
其它事项第二十七条本保险合同在发生下列情况时终止:一、保人未按约定缴纳保险费的，本公司发出解约通知书（以邮寄日期为准）后十五天内，保险合同终止；二、发生保险法规定的保险公司可以解除保险合同的情况，自本公司发出解约通知书（以邮寄日期为准）后十五天内，保险合同终止；三、投保人要求解除保险合同的，保险合同自投保人提交申请之日终止。
投保人要求解除保险合同的，本公司按短期费率表收取已生效期间的保险费；本公司要求解除保险合同的，按日比例收取已生效期间的保险费，剩余部分退还投保人。
第二十八条本保险单及其相关权利未经本公司书面同意不得转让。
第二十九条被保险公司同意代表全部被保险人提出损失及接受保单终止的通知，缴付保险费、协商保险条件；并且所有被保险个人均同意授权被保险公司为其代理人。
第三十条中华人民共和国法律对本保险单项下的所有争议有排他管辖权。
第三十一条本公司仅受理同时符合以下两个条件的索赔请求：一、被保险个人在中华人民共和国境内的过错行为引致索赔请求；且二、索赔请求在中华人民共和国境内提出。
本公司不受理不符合上述约定的索赔请求。
第三十二条被保险人与本公司发生争议不能达成协议时，可选择仲裁或诉讼解决争议。