公众责任险扩展条款(英)
保险附加条款中英文对照
Indemnity to Principal Clause Independent Contractors Liability Clause
赔偿委托人条款 独立承包人责任条款
Landlord’s Furniture, Fixtures & Fittings under Care Custody & Control of Insured Landlord’s Liability Clause Leased Staff Residence Clause
and Retaining Wall Works
Testing Of Machinery and Installations Clause 机器设备试车考核条款
Time Adjustment Clause
时间调整特别条款
Time Schedule Clause Tunnels and Galleries Clause
承包人及分包人连带责任条款 契约责任条款
Cross Liability Defective Sanitary Installation
交叉责任条款 缺陷卫生设施条款
Delivery Risk Clause Displayed Merchandise Extension
运送货物扩展条款 商品展示条款
Defective Sanitation Liability Clause
Unarmoured Seawall Clause
Vibration, Removal or Weakening of Support 震动、移动或减弱支撑扩展条款 Clause
Waiver of Subrogation Clause against Subsidiary or Parent Company
公众责任险树枝折断折断扩展条款
公众责任险树枝折断扩展条款一、引言公众责任险是一种重要的商业保险，它主要针对企业在经营活动中可能对第三方造成的人身伤害或财产损失进行保障。
其中，树枝折断扩展条款是公众责任保险中的一项重要内容，它在特定情况下对树木折断所造成的损失进行保险赔偿。
本文将对公众责任险树枝折断扩展条款进行深入探讨，为您详细解读这一保险条款的意义和适用范围。
二、树枝折断扩展条款的意义树枝折断扩展条款是公众责任险中的一项重要保障内容，其意义主要在于对树木折断所造成的损失进行保险赔偿。
树木因年久失修、天灾等原因可能存在折断损坏的风险，在这种情况下，如果树木在公众场所折断并导致第三方人员受伤或财产损失，公众责任险的树枝折断扩展条款将承担相应的赔偿责任。
这一条款的设立有助于保障企业在经营活动中可能发生的树木折断事故所引发的第三方索赔事件，为企业提供了一定的风险保障。
三、树枝折断扩展条款的适用范围树枝折断扩展条款在公众责任险中的适用范围主要包括以下几个方面：1. 公共场所树木折断：公众责任险的树枝折断扩展条款通常适用于公共场所的树木折断事故。
公共场所的树木折断，可能导致行人、车辆或附近建筑物受到损害，树枝折断扩展条款将对此类情况提供保险赔偿。
2. 公共设施周围树木折断：除了公共场所，树枝折断扩展条款还适用于公共设施周围的树木折断情况。
一棵老树的枝条折断，恰好砸到了公交站亭顶上，导致亭顶损坏，这种情况也可以在树枝折断扩展条款中进行赔偿。
3. 树木折断导致的人身伤害：树木折断可能导致行人受伤或财产损失，公众责任险的树枝折断扩展条款还包括对此类人身伤害和财产损失的保险赔偿。
四、个人观点和理解公众责任险的树枝折断扩展条款在保险领域中起着非常重要的作用。
树木折断事故可能会给第三方带来不可预测的损失，而公众责任险的树枝折断扩展条款则可以有效地对此类损失进行保障和赔偿。
作为企业经营者，选择适用树枝折断扩展条款的公众责任险，不仅能够降低企业可能面临的风险，也能提升企业的公众形象和社会责任感。
公众责任险扩展条款
公众责任险扩展条款1. xx 天保单取消条款本保单可在任何时候由被保险人申请取消，但被保险人必须书面通知本公司，保险费将根据短期费率标准或最低保费予以调整。
本公司欲取消保单时，须提前xx天将书面取消通知送至被保险人最后为本公司所知之地址，保险费按照日数比例调整。
本保单所载其他条件不变。
Policy Cancellation clauseThis Policy may be terminated at any time at the request of the Insured in writing to the Company, in which case the Company will retain the customary short period rate for the time the Policy has been in force, this Policy may also be terminated at the option of the Company by giving the Insured da ys’ prior notice in writing, in which case the Company shall be liable to repay a rateable proportion of the premium for the unexpired period from the date of cancellation.Subject otherwise to the terms and conditions of this policy.2. 火灾／爆炸／烟熏与水损法定责任条款兹经双方同意，本保单扩展承保在保险期限内，被保险人因保单载明地址内发生火灾／爆炸／烟熏／水损事故导致第三者遭受意外人身伤害及／或意外财产损失而依法应付的赔偿责任，但以保单明细表中列明的赔偿金额为限。
公众责任险 中英文对照
公众责任险中英文对照公众责任险，也被称为公众责任保险，是一种特殊的保险，它涵盖了因公共场所、公共设施或建筑物内的意外事故所导致的法律责任风险。
公众责任险的作用1. 风险转移：公众责任险能够将企业可能面临的法律责任风险转移给保险公司，降低企业的经营压力。
2. 保护企业声誉：在意外事故发生后，保险公司能够为企业在公众中提供积极的形象，有助于维护企业的声誉。
3. 减轻财务压力：如果发生意外事故，公众责任险能够为企业在事故处理、赔偿等方面提供财务支持，减轻企业的财务压力。
对于任何企业来说，公众责任险都是一个重要的保障工具，它能够为企业在面临法律纠纷时提供强大的支持。
适用范围公众责任险适用于各种类型的商业企业，如商场、酒店、餐饮、娱乐场所、学校、医院等。
这些场所可能因为意外事故引发法律纠纷，而公众责任险能够为这些场所提供全面的保障。
对于各种类型的商业企业来说，公众责任险都是一个不可或缺的保障工具。
Public liability insurance, also known as public liability insurance, is a special type of insurance that covers the risk of legal liability arising from accidents in public places,public facilities or buildings.Role of Public Liability Insurance1. Risk transfer: public liability insurance can transfer the risk of legal liability that the enterprise may face to the insurance company and reduce the operating pressure of the enterprise.2. Protection of corporate reputation: After an accident, the insurance company is able to provide a positive image of the company to the public, which helps to maintain the reputation of the company.3. Reduce financial pressure: If an accident occurs, public liability insurance can provide financial support to the enterprise in terms of accident handling, compensation, etc. and reduce the financial pressure of the enterprise.Public liability insurance is an important protection tool for any business, which can provide strong support when facing legal disputes.Scope of ApplicationPublic Liability Insurance is applicable to all types of business enterprises, such as shopping malls, hotels, restaurants, entertainment venues, schools and hospitals. These establishments can be subject to legal disputes due toaccidents and public liability insurance can provide comprehensive coverage for these establishments. Public liability insurance is an indispensable protection tool for all types of commercial enterprises.。
公众责任险附加条款
公众责任险附带条款1、广告招牌及装饰物责任条款兹经两方赞同并商定，本附带险扩展承保被保险人因在本保险单明细表中列明的营业场所范围内或四周地域部署的广告、霓虹灯、装饰物和相像物发买卖外事故造成第三者人身伤亡或财富损失机依照中华人民共和国〔不含香港、澳门、台湾地域〕法律应负的赔偿责任。
被保险人应保证指派合格人员对上述装置按期进行检查和保护。
主险条款与本附带险条款相反抗之处，以本附带险条款为准；本附带险条款未商定事项，以主险条款为准。
每次事故赔偿限额：RMB50万累计赔偿限额：RMB100万2、电梯、机器及自动装置条款〔包含无过失责任〕兹经两方赞同，只管存在相反规定，本保险扩展承保被保险人因有关客货电梯、自动装置、设备及机器设备发买卖外事故致使第三者人身伤亡和财富损失后惹起的经济赔偿责任。
包含被保险方无过失造成第三者不测伤害依法应担当的赔偿责任。
被保险人应保证：(一) 由受权承包商进行按期检查与维修；(二) 除非制造商或发证机构介绍其投入运转，否那么本保险不合用。
本保单所载其余条件不变。
3、装卸责任条款〔含叉车装卸〕兹经两方赞同，本保险扩展承保被保险人因其拥有的车辆〔含叉车、手推车等流动机械设备〕在营业场所内进行与经营有关的装卸过程中发买卖外事故造成第三者人身伤亡或财富损失机应负的赔偿责任。
本保单所载其余条件不变。
4、烟熏责任条款兹经两方赞同，本保险扩展承保因烟熏造成第三者人身伤亡或财富损失机被保险人应负的赔偿责任，但不得超出本保险限期内保险单明细表中列明的责任限额。
本保单所载其余条件不变。
5、火灾、水灾和爆炸责任条款兹经两方赞同，本保险扩展承保因火灾或爆炸。
水灾造成第三者人身伤亡或财富损失机被保险人应负的赔偿责任，但不得超出本保险限期内保险单明细表中列明的责任限额。
本保单所载其余条件不变。
6、自动承保新地址条款兹经两方赞同，本保险的赔偿将自被保险人新置财富建成或获取，或其转移至被保险人名下，或被保险人开始对其负责〔除非有其余保险存在〕时起，自动合用于和〔或〕包含其所引致的被保险人的法律赔偿责任。
公众责任险条款
公众责任险条款公民在公共场所发⽣意外伤害时，该公共场所的拥有者应该对此事负责，这就是公共责任。
那么公共责任险条款⾥包含了保险责任、责任免除、责任限额与免赔额(率)、保险期间、保险费等内容，关于公众责任险条款的更多内容，下⾯由店铺⼩编为你解答。
公众责任险条款⼀、总则第⼀条公众责任保险合同(以下简称本保险合同)由保险条款、投保单、保险单、保险凭证以及批单等组成。
凡涉及本保险合同的约定，均应采⽤书⾯形式。
第⼆条凡依法设⽴的企事业单位、社会团体、个体⼯商户、其他经济组织及⾃然⼈，均可作为本保险合同的被保险⼈。
⼆、保险责任第三条在保险期间内，被保险⼈在本保险合同载明的场所内依法从事⽣产、经营等业务时，因该场所内发⽣的意外事故造成第三者⼈⾝伤亡或财产损失，依照中华⼈民共和国法律(不包括港澳台地区法律)应由被保险⼈承担的经济赔偿责任，保险⼈按照本保险合同约定负责赔偿。
第四条被保险⼈的下列费⽤，保险⼈按照本保险合同约定也负责赔偿：(⼀)发⽣保险责任事故后，被保险⼈因保险事故⽽被提起仲裁或者诉讼的，对应由被保险⼈⽀付的仲裁或者诉讼费⽤以及事先经保险⼈书⾯同意⽀付的其他必要的、合理的费⽤(以下简称“法律费⽤”);(⼆)发⽣保险责任事故后，被保险⼈为缩⼩或减少对第三者⼈⾝伤亡或财产损失的赔偿责任所⽀付的必要的、合理的费⽤(以下简称“施救费⽤”)。
三、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、被保险⼈及其代表的重⼤过失或故意⾏为;(⼆)战争、敌对⾏动、军事⾏为、武装冲突、罢⼯、骚乱、暴动、恐怖活动、盗窃、抢劫;(三)⾏政⾏为或司法⾏为;(四)核辐射、核爆炸、核污染及其他放射性污染;(五)地震及其次⽣灾害、海啸及其次⽣灾害、雷击、暴⾬、洪⽔、⽕⼭爆发、地下⽕、龙卷风、台风、暴风等⾃然灾害;(六)烟熏、⼤⽓污染、⼟地污染、⽔污染及其他各种污染;(七)锅炉爆炸、空中运⾏物体坠落。
第六条出现下列任⼀情形时，保险⼈不负责赔偿：(⼀)被保险⼈因在本保险合同载明的场所范围内所拥有、使⽤或经营的游泳池发⽣意外事故造成的第三者⼈⾝伤亡或财产损失;(⼆)被保险⼈因在本保险合同载明的固定场所内布置的⼴告、霓虹灯、灯饰物发⽣意外事故造成的第三者⼈⾝伤亡或财产损失;(三)被保险⼈因在本保险合同载明的场所范围内所拥有、使⽤或经营的停车场发⽣意外事故造成的第三者⼈⾝伤亡或财产损失;(四)被保险⼈因出租房屋或建筑物发⽣⽕灾造成第三者⼈⾝伤亡或财产损失的赔偿责任;(五)使⽤未经有关监督管理部门验收或经验收不合格的固定场所或设备。
公众责任险特约条款(英文)
01Cross Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this insurance shall apply to each insured party as if a separate policy had been issued to each party.Provided always that the aggregate liability of the Company for any one accident shall not exceed the limit of indemnity stipulated in the schedule.This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional premium:02Contractual Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium,the Company shall indemnify the Insured against any claim made in respect of liability assumed by the Insured under any contract or agreement for bodily injury of and/or property damage to any third party subject to the limit of liability stipulated in this policy provided that such contract or agreement has been declared to and approved by the Company.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:03Strike,Riot,Civil Commotion orMalicious Damage Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the insurer's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises directly caused by strike, riot,civil commotion or malicious damage.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:04Act of Terrorism Extension ClauseIt 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 claim made against the Insured for the bodily injury of and/or property damage to any third party at the specified premises directly caused by any terrorist or terrorism organization.This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:05Elevator and Escalator ClauseIt 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 in the normal operational use of the elevators or escalators at the premises specified in the Policy subject to the limit of liability stipulated in this Policy.It is warranted that the Insured shall see to it that regular inspection and maintenance of the elevators and escalators shall be carried out by qualified engineers.The amount of indemnity shall not exceed the following limit of liability.Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:06Explosion of Boilers clauseIt 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 accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises resulting from boiler explosion due to its internal steam pressure subject to the limits of liability stipulated in this policy that the Insured has complied with all operating regulations laid down specifically for such boiler.It is warranted that the Insured shall see to it that regular inspection and maintenance of the boiler shall be carried out by qualified engineers.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:07Fire&/or Explosion legal liability clauseIt 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 accidents bodily injury of and/or accidental property damage to any third party occurring at the specified premises caused by fire or explosion subject to the following limits of liability during the period of insurance.Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:08Food and Drinks Poisoning ClauseIt 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 which occurs during the period of insurance and arises out of poisoning by or foreign or deleterious matter in food or drink consumed in or about the premises specified in the Policy provided always that the Insured shall at all times take every possible precaution to prevent the sale or supply of any condition or free from contamination or for human consumption subject to the following limits of liability during the period of insurance.Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:09Goods and Services ClauseIt 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 foraccidental bodily injury or accidental property damage which occurs during the period of insurance and arises out of goods and/or services sold or supplied including transportation provided by the Insured in the normal course of the business as hold proprietor,subject to the following limits of liability during the period of insurance:Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:10Guest's Property ClauseIt 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 loss of or damage to the property belonging to guests or customers of the Insured whilst such property is under the custody or control of the Insured subject to a limit of Liability of_______any one guest,with the exception of losses of guests'property from safe deposit boxes contained at the premises where the maximum liability of any one guest is agreed to be_____.For the purpose of this extension the guests' property shall include clothing of such guests'sent for laundry,dry cleaning or pressing at the premises, subject always to the following limits during the period of insurance:Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:11Tenants'Liability ClauseIt 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 legal liability for the claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party caused by fire to the buildings leased.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:12Building Alterations ClauseIt 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 the claims made against the Insured for accidental bodily injury of and/or property damage to any third party occurring at the premises resulting from the alterations,structural repairs,decorations and the like operations of the insured building。
公众责任险英文版
公众责任险英⽂版The public liability insurancefor the operation of the enterprise to support the umbrellaIn our daily life, we often go to public places such as hotels, supermarkets, shopping malls, movie theaters and office buildings to enjoy the convenience of life and fun.But often seemingly safe places, there are many unexpected accidents that we can't predict.Such as ground water slip fall, elevator parts, downhill, falling objects such as "outrageous fortune" the biggest security hidden danger, has become a public place and business managers will directly facing a lawsuit or claim.Another high-risk place that we often overlook is education training school. Due to the concentration of people and the relative isolation of the environment, it is more likely to cause widespread damage if accidents occur.Training object training schools for children, because children lack of self-protection ability, the school must have a comprehensive and effective safety protection measures, and after the accident will also unavoidable legal and ethical responsibility.But accidents are often unpredictable, and whether there is a better option for the site operator before an accident or casualty. It is particularly important to insure public liability insurance for the place in advance, which can be an effective way to pass on risks and make up for losses in the face of highcompensation or great loss.What is public liability insurance?Public Liability Insurance is also called general liability insurance or comprehensive liability insurance. It takes the public liability of the insured as the object of the insurance, and is the most independent and applicable insurance category in the liability insurance.Public responsibility refers to the damage of the person's property or personal property caused by the fault behavior of the victim in the public place of action, and the economic compensation responsibility of the victim should be borne by the victim according to law.The constitution of public responsibility is based on the legal responsibility of economic compensation, and its legal basis is the civil law and all kinds of relevant laws and regulations. In addition, in some places which are not public activities, if the public is injured by the responsible person in the place, it can also be attributed to the public responsibility.Therefore, public facilities, places, factories, office buildings, schools, hospitals, shops, exhibition halls, zoos, hotels, hotels, theaters, sports venues, and construction sites are all responsible for the risks of public liability accidents. The owners and managers of these places need to transfer their responsibility through public liability insurance.The responsibility of insurance companies in public liability insurance:1. the liability for economic compensation should be taken according to law when the insured person has made personal casualty or property loss;2. in the event of a responsible accident, if the legal proceedings arise, the insured shall bear the responsibility for the relevant litigation costs.However, the highest liability of the insurance company shall not exceed the limit of compensation for each accident or the limit of cumulative compensation stipulated in the policy.Characteristics of public liability insurance:The object of insurance is invisible: the public liability insurance guarantees the insured's economic compensation liability due to the accident caused by personal injury and property loss due to accident in the scope of his operation.A wide range of applications:this type of insurance can be applied to factories, office buildings, hotels, houses, shops, hospitals, schools, theaters, exhibition halls and other public places of activity.There are rich forms of expression: common responsibility, comprehensive responsibility, place responsibility, elevator responsibility, contractor's responsibility, etc., while China mainly displays public responsibility of the placeWhy should public liability insurance be covered?The public responsibility risk in life is everywhere. With the enhancement of people's awareness of rights protection, the general business places are facing the risk of responsibility disputes. After all, business units have the obligation to protect the basic personal safety of consumers.For example, some schools, educational institutions and other places of public gathering, often occur students during class accidental falls, participation in school activities,accidents, students trouble, fight, traffic accident on the way to school, food poisoning, fire and explosion accidents and other security risks.Once an accident occurs, causing casualties, the school should bear the responsibility for the accident. If the public liability insurance is applied, the commercial means can effectively avoid the economic compensation loss of the operator.The risk of public responsibility in life1. Shift risks for enterprise managementPublic liability insurance coverage so that enterprises can effectively transfer the risks in the process of operation, the relief may face high compensation responsibility and the contradiction between small payment ability, avoid due to inability to compensate thebankruptcy and production disruptions, and maintain the stability of production.In October 8th, Guangxi province Lingshan county junior middle school girl Huang in the classroom lectures, ceiling fans fall suddenly, rotating fan blade scraping to its left cheek, face and corner of the blood DC, constitute disfigurement. Lingshan County People's court sentenced the school to full responsibility, to compensate students for subsequent treatment costs and mental damage solatium. The school seeks compensation insurance with the public liability insurance policy signed by an insurance company in March of that year. After providing the claim data, the insurance company has successfully obtained the claim.By insuring public liability insurance, the school can effectively avoid the responsibility risk disputes and maintain the stability of the normal development of the school.2.Effectively protect the vital interests of the publicManagers in every public place are responsible for the customers and the public who visit your place. Although accidents can be reduced, but can not be completely avoided, operators should protect the public interest as the starting point, so that every public access to adequate security.In March this year, Maria Tung in an education institutions in class, because of the ground water caused Maria Tung slipped and fell, then rushed to hospital for treatment, treatmentcosts 5800 yuan. Maria Tung's parents immediately launched a claim to the educational institution. After contacting the educational institution and the insurance company, Maria Tung finally got the compensation.Public liability insurance through the market risk transfer mechanism, using commercial means to solve legal disputes, such as compensation liability, protect the legitimate rights and interests of the public, and maintain social harmony and stability.3.A number of national laws and regulations to encourageThe country has passed many laws and regulations many times, encouraging some public gathering public places to insure public liability insurance, ensuring the public safety, and adopting effective ways to prevent and control the risks actively. For example:"Notice of the general office of the State Council forwarded the Ministry of public security fire control reform and development program" (issued [1995]11) thirtieth:Fire insurance and public liability insurance should be taken in places such as important enterprises, inflammable and explosive dangerous chemicals places, large shopping malls, hotels, restaurants, theaters, dance halls and other public places. The insurance company can give preferential treatment and reward to the fire prevention work and the purchase of fire engines by the fire brigade".Article thirty-third of fire protection law:The State encourages and guides the public to gather places and enterprises that produce, store, transport or sell inflammable and explosive dangerous goods to insure public liability for fire risks.The thirty-seventh article of tort liability law:The organizers or the organizers of mass activities in public places such as hotels, shopping malls, banks, stations, entertainment places, etc., fail to fulfill the obligation of safety protection and cause damage to others, they shall bear the tort liability.How to insure public liability insurance?People in the business of insurance public liability insurance, general insurance business that unlike other fixed premium table, but usually each of the insured risk individually negotiated rates, in order to ensure that the insurer undertakes the responsibility and the risk premium to adapt.Therefore, insuring public liability insurance requires the insurance company to customize the insurance scheme according to the assessment of the enterprise's own risk. As a senior insurance brokerage company, Wachovia has rich experience in planning insurance schemes and claims, and can help enterprises to plan appropriate insurance programs according to the actual needs of enterprises.Public liability insurance coverage, the insurance industry in accordance with international practice, the insurance of public liability insurance according to each accident basic compensation limit and deductible respectively for personal injury and property damage insurance rate two, if the basic compensation limit and deductible or when the insurance premium should be appropriate, but and non proportionally.The calculation methods of public liability insurance premium include the following two situations:1.The compensation limit (accumulated or every accident compensation limit) as the basis of calculation,That is the insurance premium receivable = total amount of compensation * applicable rates2. To calculate the premium according to the size of the place,The insurance premium receivable insurance underwriter = place occupied area (squaremeters) * per square metre of insurance.LastShen zhen myonline insurance brokers reminded everyone ,even if the insured public liability insurance, still need to improve the sense of risk prevention. Business operators shall employ qualified staff, and maintain the use of buildings, roads, factories, machinery, apparatus and equipment for a long time in good condition, immediately to repair the defects have been found, or take temporary measures to prevent the occurrence of accidents.Once the policy insurance accident, insurance companies should contact immediately after, and the extent of the loss occurred in the accident report; without the examination and consent of insurance firms, can not change and repair of the accident related buildings, roads, factories, machinery, apparatus and equipment.For insurance, please contact myonline insurance brokers：400-6007-005。
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PUBLIC LIABILITY INSURANCE ENDORSEMENTS01 Cross Liability Clause02 Contractual Liability Clause03 Strike, Riot, Civil Commotion or Malicious Damage Extension Clause04 Act of Terrorism Extension Clause05 Elevator and Escalator Clause06 Explosion of Boilers07 Fire & Explosion Extension Clause08 Food and Drink Clause09 Goods and Services Clause10 Guest's Property Clause11 Tenant's Liability Clause12 Building Alterations Clause13 Motor Contingent Liability14 Personal Injury Liability Clause15 First Aid Treatment Clause16 Swimming Pool Liability Clause17 Advertising Signs and Decorations Liability Clause18 Loading and Unloading of Vehicles Clause19 Extinguishing Expenses Clause20 Third Party Liability of Directors and Executives Clause01 Cross Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this insurance shall apply to each insured party as if a separate policy had been issued to each party.The Insurers' total liability in respect of the insured parties shall not however exceed in the aggregate for any one accident or series of accidents arising out of one event the limit of indemnity stated in the Schedule.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:02 Contractual Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, the Company shall indemnify the Insured against any claim made in respect of liability assumed by the Insuredunder any contract or agreement for bodily injury of and/or property damage to any third party subject to the limits of liability stipulated in this policy provided that such contract or agreement has been declared to and approved by the Company.This Clause is subject otherwise to the terms , conditions and exceptions of this Policy.Additional Premium:03 Strike, Riot, Civil Commotion or Malicious Damage Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Polity shall be extended to cover the Insider's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises directly caused by strike, riot, civil commotion or malicious damage.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:04 Act of Terrorism Extension ClauseIt 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 the bodily injury of and/or property damage to any third party at the specified premises directly caused by any terrorist or terrorism organization.This clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:05 Elevator and Escalator ClauseIt 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 in the normal operational use of the elevators or escalators at the premises specified in the Policy subject to the limits of liability stipulated in this Policy.It is warranted that the Insured shall see to it that regular inspection and maintenance of the elevators andescalators shall be carried out by qualified engineers.The amount of indemnity shall not exceed the following limits of liability.Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:06 Explosion of BoilersIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insider's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises resulting from boiler explosion due to its internal steam pressure subject to the limits of liability stipulated in this policy that the Insured has complied with all operating regulations laid down specifically for such boiler.It is warranted that the Insured shall see to it that regular inspection and maintenance of the boiler shall be carried out by qualified engineers.This clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional premium:07 Fire & Explosion Extension ClauseIt 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 accidents bodily injury of and/or accidental property damage to any third party occurring at the specified premises caused by fire or explosion subject to the following limits of liability during the period of insurance:Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:08 Food and Drink ClauseIt 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 legal liability for claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party which occurs during the period of insurance and arises out of poisoning by or foreign or deleterious matter in food or drink consumed in or about the premises specified in the Policy provided always that the Insured shall at all times take every possible precautionto prevent the sale or supply of any condition or free from contamination or for human consumption, subject to the following limits of liability during the period of insurance.Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:09 Goods and Services ClauseIt 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 or accidental property damage which occurs during the period of insurance and arises out of goods and/or services sold or supplied including transportation provided by the Insured in the normal course of the business as hold proprietor, subject to the following limits of liability during the period of insurance:Limit of Indemnity a.o.a.:Aggregate Limity of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:10 Guest's Property ClauseIt 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 loss of or damage to the property belonging to guests or customers of the Insured whilst such property is under the custody orcontrol of the Insured subject to a limit of liability of ______any one guest, with the exception of losses of guests' property from safe deposit boxes contained at the premises where the maximum liability of any one guest is agreed to be__________. For the purpose of this extension the guests. property shall include clothing of such guests' sent for laundry, dry cleaning or pressing at the premises , subject always to the following limits during the period of insurance:Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional premium:11 Tenant's Liability ClauseIt 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 legal liability for the claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party caused by fire to the buildings leased.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:12 Building Alterations ClauseIt 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 property damage to any third party occurring at the premises resulting from the alterations, structural repairs, decorations and the like operations of the insured building provided that the Insured shall give provided that the Insured shall give previous notice to the Company to that effect and the Company may charge an additional premium if the risk exposure is increased.The Insured shall take all practicable safety measures to prevent accidents from happening while the insured building is undergoing the aforesaid process.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:13 Motor Contingent LiabilityIt 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 the claims made against the Insured for third party liability including passenger risk in respect of any motor car neither owned nor provided by the others while being used in connection with the business.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:14 Personal Injury Liability ClauseIt 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 the claims made in respect of personal injury to third parties arising out of the following offenses:1. false arrest, detention or imprisonment, or malicious prosecution2. libel, slander, defamation or violation of rights of privacy3. wrongful entry or eviction or other invasion of rights of private occupancy.The observance of the regulations and laws of the People's Republic of China shall be a condition precedent to any liability of the Company.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:15 First Aid Treatment ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured for reasonable costs or expenses of first aid treatment given or administered by the Insured to a third party injured at the premises upon an occurrence falling within the scope of this Policy.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:16 Swimming Pool Liability ClauseIt 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 accidents happening in or around or arising out of the ownership, use or operation of the Insured's swimming pool.It is warranted that life-guards are on duty whenever the swimming pool is open for use.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:17 Advertising Signs and Decorations Liability ClauseIt 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 or property damage to any third party resulting from the Insured's advertising signs, neon signs, decorations and the like in or about the premises.It is Warranted that the Insured shall see to it that regular inspection and maintenance of such property shall be carried out by qualified persons.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:18 Loading and Unloading of Vehicles ClauseIt 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 the claims arising from the loading and unloading of the Insured's vehicles in connection with the business at the specified premises.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:19 Extinguishing Expenses ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured for extinguishing expenses which should be necessarily andreasonably incurred in extinguishing fires at the premises, subject to the following limits of liability during the period of insurance.Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:20 Third Party Liability of Directors and Executives ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the third party liability of the Insured's directors and executives for accidents happening in their business travelling or business trips, subject to the following limits of liability during the period of insurance.Limit of Liability a.o.a.:Aggregate Limit of Liability:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:PUBLIC LIABILITY INSURANCE ENDORSEMENTS。