富邦產物商業綜合責任保險(索賠基礎)擴大承保專業責任附加條款(SDV)
富邦產物商業綜合責任保險(索賠基礎)擴大承保專業責任附加條款(SDV)
核准文號
101.02.23 富保業字第1010000209 號函備查
承保範圍
在下列前提下，本保險契約擴大承保被保險人因專業行為所致之財務損失賠償責任：
本公司對於被保險人於執行專業行為時，因過失、錯誤或遺漏應負損害賠償責任，且在保險期間內首次受到賠償請求，在保險期間內或保險期間屆滿的12 個月內以書面通知本公司者，本公司負理賠之責。
不保事項
a) 因委託人之缺失所致之賠償請求。
b) 在保險期間開始前，已知由其他保險應負賠償責任之賠償請求。
c) 在保險期間開始前已知之事實或狀況所致之賠償請求。
d) 董監事責任。
e) 任何被保險人之詐欺、犯罪行為、惡意、已知的、故意行為或不誠實行為所致之賠償責任。
f) 被保險人之間之賠償責任。
g) 其他專業責任保險已承保之賠償責任。
h) 直接或間接因為石棉、核子污染或幅射所致之賠償責任。
i) 因建議或安排，或怠於建議或安排，或疏於維持某種形式之保險、保證所致之賠償責任。
j) 因宗教、年齡、性別等歧視所致之僱傭關係損害賠償。
k) 因保證、保固、免責協議或其他契約所承擔之賠償責任。
l) 由被保險人或其授權者設計或製造之商品所致之損失。
保險期間 | 年繳保險費比 |
一個月以下 | 15% |
m) 因第三人違約所致產能中斷或產品營收減損所致之間接損失。短期費率係數表
一個月以上至二個月期間 | 25% |
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
000.00.00 富保業字第 1010000209 號函備查
富邦產物商業綜合責任保險(索賠基礎)擴大承保專業責任附加條款(SDV) Professional Indemnity Endorsement
This Policy is extended to cover pure financial loss resulting from the Insureds’ Professional Activities and Duties subject to following terms and conditions.
Coverage:
The Insurer shall pay on behalf of the Insured those sums of loss which the Insureds shall become legally obliged to pay as damages by reason of a claim first made against the Insureds during the policy period and reported in writing to the Insurer either during the policy period or within 12 months after the expiration of the policy period arising out of any negligent act, error or omission in Professional Activities and Duties by the Insured or any person for whose negligent act, error or omission the Insured is legally responsible. The coverage is irrespective of when the neglect error or omission was or may have been committed or alleged to have been committed.
Exclusions:
The Professional Liability Extension shall not cover claims or claims expenses arising out of:
a) any facts or circumstances in respect of customs clearance claim following a principal failing;
b) any facts or circumstances in respect of which the Insured, prior to the commencement of this policy has given notice to any insurer of any other policy whether or not indemnified or collectible in whole or in part under such a policy;
c) any facts or circumstances known to the Insureds prior to commencement of this Policy which a reasonably prudent person if aware of said facts or circumstances might expect to give rise to a claim against the Insured;
d) any Insured acting in his capacity as a director or officer of any entity other than the Insured;
e) any fraudulent, criminal, malicious or knowingly or intentionally wrongful or dishonest acts, errors or omissions of any Insured;
f) any liability of one or more Insureds under this Policy to any other one or more Insureds under this Policy;
g) any projects where project specific professional liability insurance has been purchased and is in force unless specifically endorsed hereon;
h) any liability of whatsoever nature directly or indirectly arising out of asbestos in any form or quantity, nuclear fuel or other radioactive substances or radiation in general;
i) the advising or requiring of or failure to advise or require or failure to maintain any form of insurance, surety ship or bond either with respect to the Insured or any other person;
j) discrimination by the Insured on the basis of race, creed, religion, age, handicap, disability, sex or marital status against a past or present employee or officer of or applicant for employment with the Insured;
k) express warranties, guarantees, hold harmless agreements or any liability assumed under contract, other than standard contracts used in Insured’s business which would not have existed in the absence of such contract;
l) the design or manufacture of any goods or products which are sold or supplied by the Insured or by others under license from the Insureds.
m) any consequential loss such as a decrease or an interruption in production or turnover or other loss of income due to a contract with a third party having become void or not being fulfilled.
Definitions:
Claim shall mean the Insured’s receipt of a written demand for money or services or a request for arbitration or the Insured’s receipt of a suit seeking relief against it, which is covered under the terms of this Endorsement. Two or more claims arising from a single or related series of negligent acts, errors or omissions shall be considered as a single claim for the purposes of this Policy irrespective of the number of claimants and all such multiple claims shall be deemed to have been made at the time of the first claim.
Claim Expenses shall mean those fees, costs and expenses incurred by attorney consented to by the Insured to represent the Insured and all other costs, charges and expenses incurred for the investigation, adjustment, settlement, arbitration, defense or appeal or a claim which is covered under the terms of the Endorsement. Claims expenses do not include salaries of Insureds’ employees, representatives or officials or fees and expenses of independent adjusters or supervisory counsel.
Damages shall mean a judgement, award or settlement including any interest thereon. The term damages shall not include sanctions, fines, penalties, taxes, return of fees, multiple damages, exemplary damages, punitive damages and any matters uninsurable under the law under which this policy shall be construed.
By Professional Activities and Duties is meant research or measurement findings, calculations, drawings, work specifications or reports, advice or instructions issued, whether this is done for a fee or not.
Pure Financial Loss means pecuniary loss measurable in money that is not a consequence of bodily injury or property damage.
All other terms and conditions remain unchanged.