Contract
核准文號
103.01.07 富保業字第 1030000010 號函備查
承保範圍
承保被保險人因經營業務之行為或被保險人之產品於保險期間內發生之事故所致人身傷害、財物毀損及廣告責任，依法應負之賠償責任；包括所有關於處理賠償請求事故所產生之訴訟上或訴訟外之必要費用。
不保事項
保險人對下列事項所致之賠償請求，不負賠償之責：
1. 僱 主 責 任
2. 戰 爭
3. 放射性污染
4. 污 染
5. 加重賠償、懲罰性賠償、多倍賠償、示範賠償及預定之損害賠償
6. 罰金及罰鍰
7. 石 棉
8. 專 業 責 任
9. 自 負 額
10. 蓄意傷害或毀損
11. 航水及航空載具
12. 陸上交通工具
13. 照料、管領及控制財物之財損
14. 工程活動
15. 航空器
16. 產品修理、重置或回收
17. 實體財物之不能使用
保險期間 | 年繳保險費比 |
一個月以下 | 15% |
一個月以上至二個月期間 | 25% |
18. 滲漏、污染及放射性污染短期費率係數表
二個月以上至三個月期間 | 35% |
三個月以上至四個月期間 | 45% |
四個月以上至五個月期間 | 55% |
五個月以上至六個月期間 | 65% |
六個月以上至七個月期間 | 75% |
七個月以上至八個月期間 | 80% |
八個月以上至九個月期間 | 85% |
九個月以上至十個月期間 | 90% |
十個月以上至十一個月期間 | 95% |
十一個月以上 | 100% |
免費申訴電話：0000-000-000
富邦產物商業綜合責任保險(含乘客責任保險)
103.01.07 富保業字第 1030000010 號函備查
Comprehensive General Liability & Passenger Liability Insurance Policy OPERATIVE CLAUSE INSURERS will pay to or on behalf of The Insured all sums which The Insured shall become legally liable to pay for compensation (including claimants＇ costs, fees and expenses and amounts owing or liability incurred in respect of or arising out of a claim for recovery or contributions made pursuant to any legislation) in accordance with the law of any country or assumed under contract or agreement in respect of: (a) Personal Injury; (b) Property Damage; (c) Advertising Liability; happening during the Period of Insurance as a result of an Occurrence within the Territorial Limits as stated herein and happening in connection with the Business of the Insured named in the Schedule. |
Supplementary Payments The INSURERS in addition to the Limits of Liability stated in the Schedule will pay : (a)all expenses incurred by The Insured, and all interest on the entire amount of any judgment therein which accrues after entry of the judgment and before INSURERS have paid or tendered or deposited in court that part of the judgment which does not exceed the limit of Insurers＇ liability hereon; (b)premiums on appeal bonds and/or security for costs required in any such suit and pay premiums on bonds to release attachments in any such suit for an amount not in excess of the applicable Limit of Liability of this Policy, but INSURERS shall have no obligation to apply for or furnish any such bonds and/or security for costs; |
(c)all charges, costs or expenses (including actual loss of earnings) incurred by The Insured either at INSURERS＇ request or with INSURERS＇ consent or reasonably in the investigation, defense or settlement of any claim or suit; (d)all legal costs incurred by The Insured with the consent of INSURERS for
representation of The Insured at:
(i) any coroner＇s inquest or similar enquiry or court of criminal justice or the like;
(ii) any proceedings in any court in connection with liability insured by this Policy;
(iii) any royal commission or government enquiry or the like;
(iv) the appeal of any judgment referred to in (i) to (iii) above;
(e)all legal costs incurred by The Insured with the consent of INSURERS arising out of the defense of any proceedings in any court arising out of any alleged breach of statutory duty resulting in Personal Injury or Property Damage or Advertising Liability which may be the subject of indemnity under this Policy; (f)expenses incurred by The Insured for first aid rendered to others arising out
of an Occurrence (unless prohibited by law).
Wherever INSURERS＇ consent to The Insured incurring an expense or taking a step which is required herein, INSURERS＇ consent must not be unreasonably withheld.
Provided however that, in the event of a claim being made against The Insured in any court or before any other legally constituted body in the United States of America and/or Canada, or any other territory coming within the jurisdiction of courts of the United States of America and/or Canada, arising from export of The Insured＇s Products to the United States of America and/or Canada or business visits to the United States of America and/or Canada by traveling executives and salespersons, the Limit of Liability shall apply to such claim inclusive of all Supplementary Payments.
In jurisdictions where INSURERS may be prevented by law or otherwise from carrying out this provision, INSURERS shall pay any expense incurred with its written consent for others to carry out such actions and payments on its behalf.
DEFINITIONS
For the purpose of determining the indemnity granted by this Policy and when used in this Policy (including Endorsements thereof), the following Definitions shall apply:
1. Personal Injury means
(a) bodily injury, death, sickness, disease, disability, shock, fright, mental anguish or mental injury including loss of consortium or services, at any time resulting therefrom;
(b) false arrest, false imprisonment or detention, discrimination (unless insurance thereof is prohibited by law), malicious prosecution or humiliation, breach of confidentiality;
(c) the publication or utterance of libel or slander, unless arising out of The Insured's advertising activities, or of other defamatory or derogatory material, or a publication or utterance in violation of any individual＇s right of privacy;
(d) wrongful entry or wrongful eviction or other invasion of the right to private occupancy;
(e) assault and/or battery committed by or at the direction of The Insured only for the purpose of preventing Personal Injury, Property Damage or eliminating danger to persons or property.
(f) discrimination as a result of race, religion, sex, martial status, age, intellectual impairment, disability or otherwise (unless insurance thereof is prohibited by law) not committed by or at the intentional direction of The Insured, but only with respect to liability other than fines and penalties imposed by law.
2. Property Damage means
(a) loss of, physical damage to or destruction of tangible property including the loss of use thereof resulting therefrom;
(b) loss of use of tangible property which has not been physically damaged, lost or destroyed, which is caused by physical damage or destruction or loss of other tangible property which happened during the Period of Insurance. All such loss of use shall be deemed to first happen at the time of the physical damage that caused it.
(c) Nuisance, trespass or interference with any right of way or right of light, air or water, easement or quasi easement or the like.
3. Insured's Product means
anything manufactured, grown, extracted, treated, produced, processed, sold, handled, supplied, distributed, imported, exported, repaired, serviced, installed, assembled, altered, erected or constructed, by or on behalf of The Insured (including their predecessors in business), including packaging or containers thereof, the design, formula or specification of The Insured＇s Products and directions, instructions or advice given or omitted to be given in connection with The Insured＇s Products and any other thing The Insured is “deemed＂ to have manufactured in the course of the business including discontinued products.
4. Occurrence
In the context of any claim made on this Policy, “Occurrence＂ means an event, including continuous or repeated exposure to substantially the same general conditions.
All events of a series consequent on or attributable to one source or original cause will be deemed one Occurrence.
With regards to Advertising Liability, all liability arising out of the same injurious material or act regardless of the number or kind of media used, the frequency or repetition thereof and number of claimants shall be deemed to be one Occurrence.
5. The Insured
Each of the following is an Insured to the extent set forth below.
(a) The parties described in the Schedule. This shall include any subsidiary or controlled corporation entity or other organisation now existing or hereafter constituted or acquired (subject to General Condition 4).
(b) Any officer, director, commissioner, employee or voluntary helper of THSRC and any officer, member, employee or voluntary helper of THSRC＇s canteen, social, sports, first aid/medical/ambulance or fire fighting services, welfare and/or child care facilities, while acting in their respective capacities.
(c) Members of and volunteers to (including work services/placement programs entered into with Government departments) THSRC.
(d) Any partner, person, principal, organisation or entity for whom or for which THSRC is obligated by written contract to have named as an Insured under this policy PROVIDED THAT such partners, persons, principals, organisations and entities are insured by this Policy;
(i) only to the extent required by the written contract and;
(ii) only in respect of Occurrences (as defined by this Policy) happening in connection with the performance of the written contract
(e) If The Insured is declared in the Schedule as a partner or joint venture with any other organisation(s), any partner(s) or joint venture(s) but only in respect to liability incurred in the operation of such partnership or joint venture.
6. Vehicle means
any type of machine designed to travel on wheels or on self-laid tracks or skis made or intended to be propelled by other than manual or animal power and any trailer or other attachment made or intended to be drawn by any such machine.
The definition of Vehicle under this policy does not include Trainsets or Worktrains operated by The Insured.
7. Watercraft means
any vessel, craft or thing made or intended to float on or in or travel on or through or under water.
8. Aircraft means
any vessel, craft or thing made or intended to fly or move in or through the air, atmosphere or space.
9. Advertising Liability means
(a) any libel, slander or defamation;
(b) infringement of copyright, title or slogan, unfair competition, piracy or idea misappropriation under an implied contract;
(c) any infringement of trade mark, service mark or trade name in a title or slogan but only where used on or in connection with goods or services sold, offered for sale or advertised;
committed or alleged to have been committed arising out of the advertising activities conducted by or on behalf of The Insured.
10.General Liability means The Insured＇s legal liability as insured under this Policy, caused by an Occurrence in connection with the Business, other than Product Liability as hereinafter defined. 11.Product Liability means Personal Injury or Property Damage arising out of either The Insured＇s Products or reliance upon a representation or warranty made at any time with respect thereto, but only if the Personal Injury or Property Damage occurs away from premises owned or controlled by or leased or rented to The Insured and after physical possession of such products by The Insured has been relinquished to others. 12.Compensation means Monies paid or agreed to be paid by judgement or settlement for: (a) Personal Injury; (b) Property Damage; or (c) Advertising Liability. Provided that Compensation is only payable in respect of an Occurrence to which this Policy applies. 13.Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including but not limited to smoke, vapour, soot, fumes, acids, alkalis, chemicals or waste. Waste includes materials to be recycled, reconditioned or reclaimed. 14.Tool of Trade means any Vehicle, which has any equipment either forming part of it or as an attachment, which is designed or used for excavating, digging, scraping, grading, drilling, lifting, leveling, pumping, spraying, vacuuming and the like, whilst the equipment is being used, being prepared for use or being decommissioned after use. |
GENERAL EXCLUSIONS INSURERS shall not be liable for claims in respect of : 1. Employers' Liability (a) Liability to any employee of The Insured to the extent imposed by: |
(i) any law relating to workers＇ or employees＇ compensation;
(ii) an industrial award or agreement or determination;
and for which The Insured is entitled to indemnity under any statutory fund, statutory scheme, policy of insurance or self insurance, required by any law relating to workers＇ or employees＇ compensation;
(b) Liability imposed by any law relating to Employment Practices. The term Employment Practices shall mean any wrongful or unfair dismissal, denial of natural justice, defamation, misleading representation or advertising, sexual harassment or discrimination directly related to employment by The Insured;
2. War
a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or confiscation, nationalisation, requisition, destruction of or damage to property by or under the order of any government or public or local authority;
3. Radioactive Contamination
a claim arising directly or indirectly, caused by, contributed to by, or arising from, any ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from nuclear weapons material;
4. Pollution
Personal Injury or Property Damage caused by the discharge, dispersal, release or escape of pollutants into or upon land, the atmosphere or any watercourse or body of water; but this General Exclusion 4 does not apply if such discharge, dispersal, release or escape is caused by a sudden and accidental happening and takes place in its entirety at a specific time and place, and occurs outside of the United States of America or Canada.
It is noted that the expenses for the prevention of such contamination and pollution also forms part of this General Exclusion 4 and shall not be recoverable under this Policy.
Notwithstanding the foregoing, it is noted and allowed that this General Exclusion 4 shall not apply to any liability arising out of the discharge, dispersal, release or escape of legionallae bacteria..
5. Aggravated, Punitive, Multiple, Exemplary and Liquidated Damages Aggravated, punitive, exemplary, liquidated and Multiple, damages imposed by law;
6. Fines and Penalties
Fines and penalties imposed by law;
7. Asbestos
(a) liability directly or indirectly caused by or alleged to be caused by or contributed to in whole or in part by or arising from the existence of or exposure to asbestos and/or any asbestos containing materials;
(b) any obligation to defend any claim or suit against The Insured alleging liability resulting from (a) above nor to INSURERS＇ liabilities for Supplementary Payments arising therefrom;
8. Professional Liability
Liability arising from the rendering of or failure to render professional advice or service by The Insured or any error or omission connected therewith: PROVIDED HOWEVER THAT this General Exclusion 8 does not apply to:
(a) Personal Injury or Property Damage arising therefrom providing such professional advice or service is not given for a fee; or
(b) the rendering of or failure to render professional medical advice by medical persons employed by The Insured to provide first aid and other medical services on The Insured＇s premises;
9. Deductible
The Deductible which is the amount of each and every claim or series of claims arising out of any one Occurrence during the Period of Insurance which shall be borne by The Insured as stated in the Schedule;
10. Intentional Injury or Damage
Personal Injury, Property Damage or Advertising Liability expected or intended from the standpoint of The Insured.
This General Exclusion 10es not apply to Personal Injury resulting from the use of reasonable force to protect persons or property;
11. Watercraft, Aircraft
Personal Injury or Property Damage caused by or arising out of the ownership, maintenance, use or operation by The Insured of:
(a) any Watercraft whilst afloat or any conveyance designed to travel on water supported by air pressure. This General Exclusion 11(a) shall not apply to:
(i) Watercraft whose length does not exceed 12 meters;
(ii) The Insured＇s liability arising from operations by independent contractors whilst operating Watercraft on inland and territorial waters;
(iii) atercraft (whose length does not exceed 12 meters) owned by others and used by The Insured for business entertainment;
(iv) anually propelled or sailing craft whose length does not exceed 12 meters; (b)any Aircraft. This General Exclusion 11(b) shall not apply with respect to
unmanned inflatable balloons used for advertising purposes;
12. Vehicles
Personal Injury or Property Damage arising out of the ownership, operation, maintenance or use by The Insured of any Vehicle which is registered or which is required under any legislation to be registered and in respect of which compulsory liability insurance or statutory indemnity is required by virtue of any legislation (whether or not that insurance is effected).
Provided however that this General Exclusion 12 does not apply to:
(a) Personal Injury where such compulsory liability insurance or statutory indemnity does not provide indemnity; or
(b) Property Damage arising out of and during the loading or unloading of goods to or from any Vehicle and / or any delivery or collection of goods to or from any Vehicle; or
(c) Property Damage arising out of the use of any Vehicle as a Tool of Trade; or
(d) Property Damage arising from the use of any Vehicle (not belonging to or used on behalf of The Insured) in the physical or legal control of The Insured where such Property Damage occurs in, or adjacent to, a car xxxx whether or not owned or operated by The Insured;
13. Care, Custody or Control Property Damage to:
(a) property owned by The Insured; or
(b)hired/leased rolling stock in the physical or legal control of The Insured; or
(c) other property in the physical or legal control of The Insured, other than;
(i) premises (including landlord＇s fixtures and fittings) which are leased or rented to The Insured or premises temporarily occupied by The Insured for work therein or thereon;
(ii) Vehicles (not belonging to or used by or on behalf of The Insured) in the
physical or legal control of The Insured where such damage Occurs whilst any such vehicle is in a car xxxx owned or operated by The Insured. Cover under this Clause (c)(ii) also applies if The Insured as part of the Business description is a car xxxx owner/operator for reward;
(iii) employees or visitors property;
14. Construction Activities
Personal Injury or Property Damage arising directly or indirectly out of or caused by or in connection with the construction activities by or on behalf of The Insured, except such construction activities where the total contract value does not exceed
.
15. Aircraft
the manufacture and/or supply of parts and/or products that are used with The Insured's knowledge in any Aircraft or aerial device, where such product is essential to the flying capabilities of such Aircraft or aerial device, unless otherwise expressly accepted by INSURERS;
16. Repair, Replacement or Recall of Products
(a) Property Damage to The Insured＇s Products if such damage is attributable to any defect therein or the harmful nature or unsuitability thereof;
(b)damages, costs or expenses claimed for the inspection, repair, replacement, loss of use or recall of The Insured's Products;
17. Loss of Use of Tangible Property
loss of use of tangible property which has not been physically damaged or destroyed resulting from:
(a) a delay in or lack of performance by or on behalf of The Insured in respect of any contract or agreement; or
(b)the failure of The Insured＇s Products or work performed for and on behalf of The Insured to meet the level of performance, quality, fitness or durability warranted or represented by The Insured provided this General Exclusion 18 (b) does not apply to loss of use of other tangible property resulting from physical damage to or destruction of The Insured＇s Products after such products or work have been put to their intended use by any person, organisation or entity other than The Insured;
18. Industries, Seepage, Pollution and Contamination This General Exclusion 18 applies in respect of any claim made against The Insured in any court or before any other legally constituted body in the United States of America and/or Canada, or any other territory coming within the jurisdiction of courts of the United States of America and/or Canada only: (a) Personal Injury or Property Damage directly or indirectly caused by seepage, pollution or contamination; (b) the cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances; |
GENERAL CONDITIONS 1. Severability and Non-Imputation This Policy, including any amendment, renewal or variation or Endorsement of it, shall be construed as if each person, corporation, entity or other organisation entitled to indemnity, whether a party to the contract of insurance or not, had made a proposal, application or request for the Policy, amendment, renewal, variation or Endorsement in respect of their interest only. Further any information or knowledge possessed by a person, corporation, entity or other organisation entitled to claim on this Policy, whether possessed before or after the contract was entered into, shall not be imputed to any other person, corporation, entity or other organisation. Further, neither the inclusion of more than one Insured under this Policy nor any act, omission, breach or default by an Insured shall in any way prejudice the rights of any other Insured to indemnity as may be provided by this Policy unless INSURERS would have been entitled to that relief had the person claiming been the only person covered by the Policy. 2. Cross Liability Where more than one party comprises The Insured each of the parties shall be considered as a separate and distinct unit and the words The Insured shall be considered as applying to each party in the same manner as if a separate policy had been issued to each of the said parties provided that nothing in this clause shall result in the increase of Insurers＇ Limits of Liability in respect of any Occurrence or Period of Insurance. Further, this Cross Liability clause is not intended to and shall not broaden or extend the insurance provided to any party described in paragraph (d) of the definition of “The Insured＂ and the limitations |
on such insurance cover imposed by paragraph (d) of the definition of “The Insured＂ continue to apply despite this clause.
3. Notification of Change
The indemnity provided by this Policy shall not be prejudiced by any change in the name of The Insured in accordance with an application under legislation permitting the change in the name of The Insured.
4. Acquisitions of Properties or Companies
The indemnity granted by this Policy extends to properties, assets, companies, firms or other bodies formed or acquired by The Insured or of which The Insured assumes management responsibility and which undertakes activities:
(a) consistent with the description of the Business in The Schedule, and
(b) the estimated turnover for the forthcoming financial year of the entity acquired, formed or for which assumption of management responsibility takes place is or less, or its equivalent in another currency.
Provided that:
（i） where existing insurance applies to the acquired entity, until expiry or cessation of the existing insurance, this Policy will act as a Difference in Conditions/Difference in Limits Policy only;
（ii）where the estimated turnover for the forthcoming financial year of the entity acquired, formed or for which assumption of management responsibility takes place is more than or its equivalent in another currency, The Insured reserves the right to accept such terms and additional premiums as INSURERS may reasonably require.
Provided this Policy will not grant any broader coverage had this proviso
(ii) not been incorporated herein;
（iii） no indemnity shall be granted for claims arising out of circumstances known by The Insured or which occurred prior to the date of such acquisition, formation or assumption of management responsibility, unless specifically agreed to in writing by INSURERS.
5. Cancellation
This Policy may be terminated at any time by The Insured tendering notice in writing to INSURERS and shall be effective immediately from the date of receipt of the
notice or such other time mutually agreed to by the parties. Upon the happening of such an event, the Premium will be adjusted for the time the Policy has been in force and a refund of premium will be allowed pro rata for the unexpired Period of Insurance.
This Policy may only be cancelled by the INSURERS under the following circumstances:
（i） non payment of Premium by The Insured in accordance with the Premium payment requirements.
（ii） following a merger or consolidation of The Insured with another organisation or party in which the Insured is not the surviving or controlling entity.
（iii） willfully or by gross negligence by The Insured during the Period of Insurance.
In the above circumstances, cancellation may be effected by the INSURERS by sending written notice to The Insured at the address shown in the Policy Schedule or at the last known address of The Insured and any additional Insured＇s stating the circumstances under which notice is being given and providing a cancellation date that is not less than 90 (ninety) days from the date of such notice, unless The Insured and the INSURERS mutually agree otherwise. In the event of such cancellation, the Insurers shall pay a pro rata return premium within 30 days. Notwithstanding that the 90 (ninety) day cancellation notice period is reduced to 10 (ten) days with respect to non payment of Premium and that cover is reinstated immediately upon receipt of the new (pro rata) Premium by the INSURERS.
6. Insured＇s Duties
(a) In the event of an identified Occurrence the Insured shall promptly take at its own expense all reasonable steps to prevent Personal Injury or Property Damage or Advertising Liability arising or continuing out of such Occurrence.
(b) The Insured shall give notice in writing to INSURERS as soon reasonably practicable of every Occurrence which would be reasonably expected to exceed 50 of the Deductible, and shall forward to INSURERS all information relevant to such Occurrences that INSURERS may reasonably require, in particular every demand, writ, summons, proceeding, impending prosecution or inquest.
(c) The Insured shall not without INSURERS＇ consent, make any admission, offer, promise or payment in connection with any Occurrence.
(d) The Insured shall use its best endeavours to preserve all property, products, appliances, plant and all other things which may assist in the investigation or defence of a claim or in the exercise of rights of subrogation and so far as may be reasonably practicable no alteration or repair shall be effected
without the consent of INSURERS until INSURERS shall have had an opportunity of inspection.
7. Claims Co-Operation
(a) In respect of Occurrences covered under this Policy, INSURERS will defend any suit against The Insured seeking Compensation on account of an Occurrence even if any of the allegations of the suit are groundless, false or fraudulent, and will make such investigation and settlement of any claim or suit as it deems expedient.
Provided that INSURERS shall not be obliged to pay any claim or judgement or to defend any suit after INSURERS＇ Limit of Liability has been exhausted by the payment of judgements or settlements.
(b) The Insured shall co-operate with all INSURERS reasonable requests and shall comply with the terms and Conditions of this Policy, and shall enforce any right of contribution or indemnity against any person, corporation, organisation or entity who may be liable to The Insured because of Personal Injury, Property Damage or Advertising Liability with respect to which insurance is afforded.
8. Subrogation
In the event of payment for loss under this Policy to or on behalf of The Insured, INSURERS shall be subrogated to all The Insured＇s rights of recovery against all persons and organisations.
INSURERS agree to waive all rights of subrogation under this Policy against any Insured named or described in the Schedule.
INSURERS further agree to waive all rights of subrogation against any other party as required under contract or otherwise agreed to by THSRC.
9. Bankruptcy or Insolvency
In the event of bankruptcy or insolvency of The Insured or any of the parties or entities comprising The Insured, INSURERS shall not be relieved of the payment of any claim hereunder because of such bankruptcy or insolvency.
10. Excess Coverage
If at the time of any claim arising under this Policy there is any other valid and collectible insurance covering all or part of the same loss, this Policy will apply only to the amount of any loss in excess of that recoverable under the other insurance.
The amount of any claim, including the amount of any deductible, paid under such other insurance will not be deemed to have been paid under this Policy for the purpose of determining INSURERS Limit of Liability under this Policy, but will be deemed to have been paid in respect of the Deductible (if any) under this Policy. Further surplus and/or excess insurance beyond the Limits of Liability expressed in this Policy is permitted.
11. Jurisdiction/Proper Law
This insurance shall be governed by R.O.C. (Republic of China) Law unless any other legal code shall be mutually agreed between The Insured and INSURERS as more appropriate.
Each party agrees to submit to the jurisdiction of Taipei District Court, R.O.C. and will comply with all requirements necessary to give such court jurisdiction. All matters arising thereunder shall be determined in accordance with the Law and practice of such court.
Service of process in such suit in a territory outside R.O.C. may be made upon the accredited representative of INSURERS in that territory, who is duly authorised to accept service of process on behalf of INSURERS of this Policy.
It is further agreed that INSURERS will abide by the final decision of such court or of any appellate court in the event of an Appeal.
12. Statutory Requirements
The Insured shall take reasonable measures to comply with all statutory obligations and regulations imposed by any statutory or governmental authority.
13. Policy Issuance in Different Languages
Unless the local law dictates otherwise, in the event that this Policy is issued in more than one language, and English is one of those languages, the cover provided and interpretation of the English version will prevail over all other language versions.
14. Claim Adjuster Clause
In the event of a loss, one from the following adjusters shall be appointed as claim adjuster for the loss:
1. ｏｏｏ
2. ｏｏｏ
Memorandum CGL004
INCIDENTAL MEDICAL MALPRACTICE LIABILITY
The definition of Bodily Injury is amended to include Incidental Medical Malpractice Injury.
Incidental Medical Malpractice Injury shall mean injury arising out of the rendering of or failure to render, during the Policy Period, the following services:
(a) medical, dental, x-xxx or nursing services or treatment or the furnishing of food or beverage in connection therewith; or
(b) the furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances.
This coverage does not apply to:
1. expenses incurred by the Insured for first-aid to others at the time of an accident
2. injury caused by any Indemnitee, not an employee of the Insured, if such Indemnitee is engaged in the business or occupation of providing any of the services described under (a) or (b) above
EXCEPT AS OTHERWISE STATED ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.