（四）火灾、爆炸及各种自然灾害，“自然灾害”指雷电、飓风、台风、龙卷风、风暴、暴雨、洪水、水灾、冻灾、冰雹、地崩、ft崩、雪崩、地震、海啸、火ft爆发、地面下 陷下沉及其他人力不可抗拒的破坏力强大的自然现象；
中国平安财产保险股份有限公司附加延迟启动损失保险条款
保险责任
第一条 x保险单明细表中列明的保险财产在保险期间内遭受主险承保范围内的损失
（以下简称损失），打乱了被保险工程或试车的时间进度，导致预定的被保险商业运营的延迟（以下简称延迟），对由此造成的在赔偿期限内被保险人的利润损失，保险人负责赔偿。
第二条 x部分承保项目如下：
（一）固定费用的损失
燃料和其他材料和供货、维护费、保管费、银行利息和被保险人发生的其他费用。
（二）增加的费用
为减少延误而发生的必要和合理的额外费用
（三）延续合同义务
在赔偿期限内，项目业主由于延误发生的，并依据与主承包商签订的《提货付款协议》应付的费用。
扩展责任
第三条 供货商扩展责任
x条款扩展承保放置在被保险人的组件、原材料或商品的供货商、制造商或加工商的场所，或储存被保险人财产的第三方场所的财产由于遭受主险承保范围内的损失（包括由于港口封锁而未能将工程所需货物运交）造成被保险项目的延迟或中断导致的利润损失。
第四条 供电及公用设施扩展责任
x条款还扩展承保电力、煤气、自来水、污水处理或通讯服务供应商的财产（包括线路、电缆、管道等与被保险人场所连接的供应、服务设施）由于遭受主险承保范围内的损失，造成被保险项目的延迟或中断导致的利润损失。
第五条 场地进出道路受阻扩展责任
x条款还扩展承保由于发生主险承保范围内的损失，使得场地进出道路被阻塞（无论被保险场地或财产是否受损）造成项目延迟从而导致的利润损失。
第六条 延迟加剧扩展责任
x条款扩展承保由于发生本部分承保范围内的损失，导致办理进出口许可证等证件造成的额外延误。此项责任的最长赔偿期限为 30 天。
责任免除第七条 保险人对下列各项不负责赔偿：
（一）由于以下原因发生延误、中断造成的工程费用的减少或增加：
1
1．政府部门采取的限制措施（除非这些措施是针对本保单项下的损失而采取的）；
2．资金不足。
（二）由于未按期完工、未完成订单支付的违约金、赔偿金，或任何性质的惩罚性赔偿造成的损失，本保单另有约定的除外。
（三）由于租约、许可证或订单中止、中断或取消造成的利润损失，但不包括由于遭受主险承保范围内的损失造成的利润损失。
赔偿处理
第八条 可调整条款
被保险人应在每个财务年度结束叁个月后，将新的投保额通知保险人。一旦发生损失，保险人有权核实被保险人的投保金额（特别是审查被保险人的财务资料）。
如果发生本部分承保范围内的损失，若发生损失前申报的财务年度毛利润总额低于被保险人当年实际发生的毛利润总额，保险人的赔偿金额将按调整后的保险费与原保费的比例相应降低，但被保险人仍需补交调整的保险费。
第九条 商业营运开始日期可由被保险方随时书面通知保险人修改。此外，双方约定，此通知有追溯力，但要求此类修改通知不得增加保险人在书面通知前对所发生的损失应承担的责任。
2
中国平安财产保险股份有限公司平安林木火灾保险条款
总则
第一条 保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。凡涉及本保险合同的约定，均应采用书面形式。
保险标的
第二条 凡生长和管理正常的人工林、天然林，均可列入本合同保险标的范围。投保人应将其符合上述条件的林木全部投保。
保险责任
第三条 在保险期间内，由于下列原因造成保险标的的损失，保险人按照本保险合同的
约定负责赔偿：
（一）火灾直接造成的保险林木死亡；
（二）发生火灾时，为抢救保险标的或防止灾害蔓延所采取合理的必要的措施造成的保险林木死亡。
责任免除
第四条 下列原因造成的损失、费用，保险人不负责赔偿：
（一）投保人、被保险人及其代表的故意行为；
（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；
（三）核辐射、核爆炸、核污染及其他放射性污染；
（四）行政行为或司法行为；
（五）爆炸、雷击、飞行器坠落。
第五条 下列损失、费用，保险人也不负责赔偿：
（一）间接损失；
（二）不在保险标的范围以内的财产损失；
（三）本保险合同中载明的免赔额。
第六条 其他不属于本保险合同责任范围内的损失和费用，保险人不负责赔偿。
保险金额与免赔额
第七条 保险金额由投保人参照林木的实际价值自行确定，并在保险合同中载明。
第八条 x保险合同所适用的免赔额可采用免赔亩数或免赔金额两种约定方式，由投保人与保险人在订立保险合同时协商确定，并在保险合同中载明。
保险期间
第九条 除另有约定外，保险期间为一年，以保险xxx的起讫时间为准。
保险人义务
第十条 x保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。
第十一条 保险人按照第二十条的约定，认为被保险人提供的有关索赔的证明和资料不
完整的，应当及时一次性通知投保人、被保险人补充提供。
第十二条 保险人收到被保险人的赔偿保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做出核定。
保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成赔偿保险金的协议后十日内，履行赔偿保险金义务。保险合同对赔偿保险金的期限有约定的，保险人应当按照约定履行赔偿保险金的义务。保险人依照前款的规定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。
第十三条 保险人自收到赔偿保险金的请求和有关证明、资料之日起六十日内，对其赔偿保险金的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定赔偿的数额后，应当支付相应的差额。
投保人、被保险人义务
第十四条 订立保险合同，保险人就保险标的或者被保险人的有关情况提出询问的，投
保人应当如实告知。
投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。
前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。
投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担
赔偿保险金的责任，并不退还保险费。
投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对
于合同解除前发生的保险事故，不承担赔偿保险金的责任，但应当退还保险费。
保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。
第十五条 投保人投保时须如实提供投保林木基本情况和生产技术管理的资料。林场同时须提供投保林木所在地一定比例的地形图（或平面图），并在图上标出主要树种、树龄、郁闭度、林相图、森林资源档案、四至和明显地物标。
第十六条 除另有约定外，投保人应当在保险合同成立时交付保险费。
约定一次性交付保险费的，投保人在约定交费日后交付保险费的，保险人对交费之前
发生的保险事故不承担保险责任。
约定分期交付保险费的，保险人按照保险事故发生前保险人实际收取保险费总额与投保人应当交付的保险费的比例承担保险责任，投保人应当交付的保险费是指截至保险事故发生时投保人按约定分期应该缴纳的保费总额。
第十七条 被保险人应当遵守《中华人民共和国森林法》及其他有关法规，遵守国家有
关林业生产技术规范和管理规章，维护保险标的的安全。
保险人可以对被保险人遵守前款约定的情况进行检查，向投保人、被保险人提出消除不安全因素和隐患的书面建议，投保人、被保险人应该认真付诸实施。但前述检查并不构成保险人对被保险人的任何承诺。
投保人、被保险人未按照约定履行其对保险标的的安全应尽责任的，保险人有权要求
增加保险费或者解除合同。
第十八条 保险标的转让的，被保险人或者受让人应当及时通知保险人。
因保险标的转让导致危险程度显著增加的，保险人自收到前款规定的通知之日起三十日
内，可以根据费率表的规定增加保险费或者解除合同。
被保险人、受让人未履行本条规定的通知义务的，因转让导致保险标的危险程度显著
增加而发生的保险事故，保险人不承担赔偿保险金的责任。
第十九条 在合同有效期内，如保险林木面积等重要事项变更导致保险标的的危险程度显著增加的，被保险人应当及时通知保险人，保险人可以根据费率表的规定增加保险费或者解除合同。
被保险人未履行前款约定的通知义务的，因保险标的的危险程度显著增加而发生的保险事故，保险人不承担赔偿保险金的责任。
第二十条 知道保险事故发生后，被保险人应该：
（一）尽力采取必要、合理的措施，防止或减少损失，否则，对因此扩大的损失，保险人不承担赔偿责任；
（二）及时通知保险人，并书面说明事故发生的原因、经过和损失情况；故意或者因重大过失未及时通知，致使保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担赔偿保险金的责任，但保险人通过其他途径已经及时知道或者应当及时知道保险事故发生的除外；
（三）保护事故现场，允许并且协助保险人进行事故调查；对于拒绝或者妨碍保险人进行事故调查导致无法确定事故原因或核实损失情况的，保险人对无法确定或核实的部分，不承担赔偿责任；
（四）涉及违法、犯罪的，应立即向公安部门报案，否则，对因此扩大的损失，保险人不承担赔偿责任。
第二十一条 被保险人请求赔偿时，应向保险人提供下列证明和资料：
（一）保险单正本；
（二）被保险人或其代表填具的索赔申请书；
（三）财产损失、费用清单；
（四）事故证明书（林业、气象、消防部门的证明）；
（五）投保人、被保险人所能提供的与确认保险事故的性质、原因、损失程度等有关的其他证明和资料。
被保险人未履行前款约定的索赔材料提供义务，导致保险人无法核实损失情况的，保险人对无法核实的部分不承担赔偿责任。
赔偿处理
第二十二条 保险事故发生时，被保险人对保险标的不具有保险利益的，不得向保险人请求赔偿保险金。
第二十三条 保险林木在保险期限内，发生保险责任范围内的损失，保险人在保险金
额内按下列规定承担赔偿责任：
（一）全部损失
保险区域范围内的林木发生保险责任内的火灾成为烧毁木并全部死亡的，为全部损失，保险人按如下公式计算赔偿。
按照投保人与保险人约定的免赔方式，赔款计算公式为：赔款＝保险金额（元/ 亩）×（损失面积－免赔亩数）
或：赔款＝保险金额（元/ 亩）×损失面积－免赔额
全部损失经一次性赔偿后，保险责任即行终止。
（二）部分损失
保险林木发生保险责任内的火灾损失，凡未达到全部损失标准的为部分损失。部分损失根据损失程度的比例赔偿。
按照投保人与保险人约定的免赔方式，赔款计算公式为：
赔款=保险金额（元/ 亩）×（损失面积－免赔亩数）×损失程度或 赔款＝保险金额（元/ 亩）×损失面积×损失程度－免赔额
损失程度 = 单位面积平均死亡株数 −
残值
×100%
单位面积平均实际株数 实际价值
（三）保险林木面积小于实有林木面积时，如无法区分未保险面积部分，则按保险林
木面积与实有林木面积的比例赔偿。
第二十四条 保险林木发生保险责任范围内的火灾后，一时难以确定是否死亡的，可
请有关专家鉴定，或设立观察期，以观察期后的定损结论为依据。
第二十五条 保险事故发生时，如果存在重复保险，保险人按照本保险合同的相应保险
金额与其他保险合同及本保险合同相应保险金额总和的比例承担赔偿责任。
其他保险人应承担的赔偿金额，本保险人不负责垫付。若被保险人未如实告知导致保险人多支付赔偿金的，保险人有权向被保险人追回多支付的部分。
第二十六条 保险标的发生部分损失，保险人履行赔偿义务后，本保险合同的保险金额自损失发生之日起按保险人的赔偿金额相应减少，保险人不退还保险金额减少部分的保险费。如投保人请求恢复至原保险金额，应按原约定的保险费率另行支付恢复部分从投保人请求的恢复日期起至保险期间届满之日止按日比例计算的保险费。
第二十七条 发生保险责任范围内的损失，应由有关责任方负责赔偿的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利，被保险人应当向保险人提供必要的文件和所知道的有关情况。
被保险人已经从有关责任方取得赔偿的，保险人赔偿保险金时，可以相应扣减被保险人
已从有关责任方取得的赔偿金额。
保险事故发生后，在保险人未赔偿保险金之前，被保险人放弃对有关责任方请求赔偿权利的，保险人不承担赔偿责任；保险人向被保险人赔偿保险金后，被保险人未经保险人同意放弃对有关责任方请求赔偿权利的，该行为无效；由于被保险人故意或者因重大过失致使保险人不能行使代位请求赔偿的权利的，保险人可以扣减或者要求返还相应的保险金。
第二十八条 保险人受理报案、进行现场查勘、核损定价、参与案件诉讼、向被保险人
提供建议等行为，均不构成保险人对赔偿责任的承诺。
第二十九条 被保险人向保险人请求赔偿保险金的诉讼时效期间为二年，自其知道或者
争议处理和法律适用
第三十条 因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险xxx的仲裁机构仲裁；保险单未载明仲裁机构且争议发生后未达成仲裁协议的，依法向人民法院起诉。
第三十一条 与本保险合同有关的以及履行本保险合同产生的一切争议，适用中华人民共和国法律（不包括港澳台地区法律）。
其他事项
第三十二条 投保人和保险人可以协商变更合同内容。
变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投
保人和保险人订立变更的书面协议。
第三十三条 投保人可随时书面申请解除本保险合同，本保险合同自保险人收到投保人的书面申请之日的二十四时起终止。保险责任开始前，投保人要求解除合同的，保险人扣除 3%手续费后，剩余部分的保险费退还投保人；保险责任开始后，投保人要求解除合同的，对保险责任开始之日起至合同解除之日止期间的保险费，按短期费率计收，剩余部分退还投保人。
保险人亦可解除本保险合同。保险责任开始前，保险人要求解除合同的，不得向投保人收取手续费并应退还已收取的保险费；保险责任开始后，保险人可提前十五天通知投保人解除合同，对保险责任开始之日起至合同解除之日止期间的保险费，按日比例计收，剩余部分退还投保人。
第三十四条 保险标的发生部分损失的，自保险人赔偿之日起三十日内，投保人可以解除合同；除合同另有约定外，保险人也可以解除合同，但应当提前十五日通知投保人。
保险合同依据前款规定解除的，保险人应当将保险标的未受损部分的保险费，按照合同
约定扣除自保险责任开始之日起至合同解除之日止应收的部分后，退还投保人。
释义
第三十五条
【四至】指东南西北四个方向的边界。
附录
短期费率表
保险期间已经过月数（个 月） | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
年费率的比例（％） | 10 | 20 | 30 | 40 | 50 | 60 | 70 | 80 | 85 | 90 | 95 | 100 |
（注：保险期间已经过月数不足一月的按一月计算）。
中国平安财产保险股份有限公司平安林木火灾保险附加险条款
1．附加爆炸保险条款一、投保范围
x保险为林木火灾保险的附加险，投保人只有在投保主险的基础上方可投保本附加险。
二、保险责任
在保险期间内，由于下列原因造成保险标的损失，保险人负责赔偿：
（一）爆炸直接造成的保险林木死亡；
（二）发生爆炸时，为抢救保险标的或防止灾害蔓延所采取合理的必要的措施造成的保险林木死亡。
三、其他事项
x附加险条款与主险条款内容相悖之处，以本附加险条款为准；未尽之处，以主险条款为准。
2．附加飞行器坠落保险条款一、投保范围
x保险为林木火灾保险的附加险，投保人只有在投保主险的基础上方可投保本附加险。
二、保险责任
在保险期间内，由于下列原因造成保险标的损失，保险人负责赔偿：
（一）飞行器坠落直接造成的保险林木死亡；
（二）发生飞行器坠落后，为抢救保险标的或防止灾害蔓延所采取合理的必要的措施造成的保险林木死亡。
三、责任免除
由于飞行器产生的压力波造成的损失，保险人不负责赔偿。四、其他事项
x附加险条款与主险条款内容相悖之处，以本附加险条款为准；未尽之处，以主险条款
为准。
3．附加雷击保险条款一、投保范围
x保险为林木火灾保险的附加险，投保人只有在投保主险的基础上方可投保本附加险。
二、保险责任
在保险期间内，由于下列原因造成保险标的损失，保险人负责赔偿：
（一）雷击直接造成的保险林木死亡；
（二）发生雷击后，为抢救保险标的或防止灾害蔓延所采取合理的必要的措施造成的保险林木死亡。
三、其他事项
x附加险条款与主险条款内容相悖之处，以本附加险条款为准；未尽之处，以主险条款为准。
中国平安财产保险股份有限公司
机器损坏综合险条款
总则
第一条 保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。凡涉及本保险合同的约定，均应采用书面形式。
保险标的
第二条 x保险合同的保险标的为保险单中列明的被保险机器及附属设备。
保险责任
第三条 在保险期间内，由于下列原因造成保险标的的损失，保险人按照本保险合同的
约定负责赔偿：
（一）设计、制造或安装错误、铸造和原材料缺陷；
（二）离心力引起的断裂；
（三）经考核合格的操作人员操作错误、缺乏经验、技术不善以及疏忽、过失行为；
（四）电器短路和供电、供水、供气的突然中止；
（五）物理性爆裂。
第四条 保险事故发生后，被保险人为防止或减少保险标的的损失所支付的必要的、合理的费用，保险人按照本保险合同的约定也负责赔偿。
责任免除
第五条 下列原因造成的损失、费用，保险人不负责赔偿：
（一）投保人、被保险人及其代表的故意行为；
（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；
（三）核辐射、核爆炸、核污染及其他放射性污染；
（四）火灾、爆炸及各种自然灾害，“自然灾害”指雷电、飓风、台风、龙卷风、风暴、暴雨、洪水、水灾、冻灾、冰雹、地崩、ft崩、雪崩、地震、海啸、火ft爆发、地面下陷下沉及其他人力不可抗拒的破坏力强大的自然现象；
（五）行政行为或司法行为；
（六）公共设施部门的限制性供应及故意行为引起的停电、停气、停水；
（七）水箱、水管爆裂。
第六条 下列损失、费用，保险人也不负责赔偿：
（一）机器设备运行必然引起的后果，如自然磨损、氧化、腐蚀、锈蚀、锅垢等物理性变化或化学反应；
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（二）各种传送带、缆绳、金属线、链条、轮胎、可调换或替代的钻头、钻杆、刀具、印刷滚筒、套筒、活动管道、玻璃、磁、陶及钢筛、网筛、毛毡制品、一切操作中的媒介物（如润滑油、燃料、催化剂等）及其他各种易损、易耗品；
（三）超负荷运行引起的损失；
（四）被保险人及其代表已经知道或应该知道的被保险机器及其附属设备在保险期间
开始前已经存在的缺点或缺陷；
（五）根据法律或合同应由供货方、制造人、安装人或修理人负责的损失或费用；
（六）间接损失；
（七）本保险合同中载明的免赔额。
第七条 其他不属于本保险合同责任范围内的损失和费用，保险人不负责赔偿。
保险金额与免赔额
第八条 x合同承保机器设备的保险金额，应为该机器设备的重置价值，即重新换置同一厂牌或相类似的型号、规格、性能的新机器设备的价格，包括出厂价格、运保费、税款、可能支付的关税以及安装费用等。
第九条 免赔额由投保人与保险人在订立保险合同时协商确定，并在保险合同中载明。
保险期间
第十条 除另有约定外，保险期间为一年，以保险xxx的起讫时间为准。
保险人义务
第十一条 x保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。
第十二条 保险人按照第二十一条的约定，认为被保险人提供的有关索赔的证明和资料
不完整的，应当及时一次性通知投保人、被保险人补充提供。
第十三条 保险人收到被保险人的赔偿保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，保险人将在确定是否属于保险责任的基本材料收集齐全后，尽快做出核定。
保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成赔偿保险金的协议后十日内，履行赔偿保险金义务。保险合同对赔偿保险金的期限有约定的，保险人应当按照约定履行赔偿保险金的义务。保险人依照前款的规定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。
第十四条 保险人自收到赔偿保险金的请求和有关证明、资料之日起六十日内，对其赔偿保险金的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定赔偿的数额后，应当支付相应的差额。
投保人、被保险人义务
第十五条 订立保险合同，保险人就保险标的或者被保险人的有关情况提出询问的，投
保人应当如实告知。
2
投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。
前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。
投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担
赔偿保险金的责任，并不退还保险费。
投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担赔偿保险金的责任，但应当退还保险费。
保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿保险金的责任。
第十六条 除另有约定外，投保人应当在保险合同成立时交付保险费。
约定一次性交付保险费的，投保人在约定交费日后交付保险费的，保险人对交费之前
发生的保险事故不承担保险责任。
约定分期交付保险费的，保险人按照保险事故发生前保险人实际收取保险费总额与投保人应当交付的保险费的比例承担保险责任，投保人应当交付的保险费是指截至保险事故发生时投保人按约定分期应该缴纳的保费总额。
第十七条 在保险期间内，被保险人应当：
（一）遵守有关安全法规，遵守制造厂商制定的关于机器使用的操作规程以及国家有关消防、安全、生产操作等方面的规定，制定安全生产的规章制度并付诸实施，聘用技术及技能合格的工人和技术人员，采取合理的预防措施，尽力避免或减少责任事故的发生，维护保险标的的安全；
（二）对因电压不稳容易造成的损坏的机器部分配备稳压装置；
（三）按照机器的规范要求，对被保险机器定期做好维修和保养工作，使之处于良好的
技术状态。被保险人在机器大修时应及时通知保险人并将修理记录提供给保险人。
保险人可以对被保险人遵守前述约定的情况进行检查，向投保人、被保险人提出消除不安全因素和隐患的书面建议，投保人、被保险人应该认真付诸实施。但前述检查并不构成保险人对被保险人的任何承诺。
投保人、被保险人未按照约定履行其对保险标的的安全应尽责任的，保险人有权要求增加保险费或者解除合同。
第十八条 保险标的转让的，被保险人或者受让人应当及时通知保险人。
因保险标的转让导致危险程度显著增加的，保险人自收到前款规定的通知之日起三十日
内，可以根据费率表的规定增加保险费或者解除合同。
被保险人、受让人未履行本条规定的通知义务的，因转让导致保险标的危险程度显著
增加而发生的保险事故，保险人不承担赔偿保险金的责任。
第十九条 在合同有效期内，保险标的的危险程度显著增加的，被保险人应当及时通知保险人，保险人可以根据费率表的规定增加保险费或者解除合同。
被保险人未履行前款约定的通知义务的，因保险标的的危险程度显著增加而发生的保险事故，保险人不承担赔偿保险金的责任。
第二十条 知道保险事故发生后，被保险人应该：
3
（一）尽力采取必要、合理的措施，防止或减少损失，否则，对因此扩大的损失，保险人不承担赔偿责任；
（二）及时通知保险人，并书面说明事故发生的原因、经过和损失情况；故意或者因重大过失未及时通知，致使保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担赔偿保险金的责任，但保险人通过其他途径已经及时知道或者应当及时知道保险事故发生的除外；
（三）保护事故现场，允许并且协助保险人进行事故调查，对于拒绝或者妨碍保险人进行事故调查导致无法确定事故原因或核实损失情况的，保险人对无法确定或核实的部分，不承担赔偿责任；
（四）涉及违法、犯罪的，应立即向公安部门报案，否则，对因此扩大的损失，保险人不承担赔偿责任。
第二十一条 被保险人请求赔偿时，应向保险人提供下列证明和资料：
（一）保险单正本；
（二）被保险人或其代表填具的索赔申请书；
（三）财产损失、费用清单；
（四）投保人、被保险人所能提供的与确认保险事故的性质、原因、损失程度等有关的其他证明和资料。
被保险人未履行前款约定的索赔材料提供义务，导致保险人无法核实损失情况的，保险人对无法核实的部分不承担赔偿责任。
第二十二条 x在某一保险财产中发现的缺陷表明或预示类似缺陷亦存在其他保险财产中时，被保险人应立即自付费用进行调查并纠正该缺陷。否则，由类似缺陷造成的一切损失应由被保险人自行承担。
赔偿处理
第二十三条 保险事故发生时，被保险人对保险标的不具有保险利益的，不得向保险人请求赔偿保险金。
第二十四条 保险标的发生保险责任范围内的损失，保险人有权选择下列方式赔偿：
（一）货币赔偿：保险人以支付保险金的方式赔偿；
（二）实物赔偿：保险人以实物替换受损标的，该实物应具有保险标的出险前同等的类
型、结构、状态和性能，或更好的状态、性能；
（三）实际修复：保险人自行或委托他人修理修复受损标的。
对保险标的在修复或替换过程中，被保险人进行的任何变更、性能增加或改进所产生的额外费用，保险人不负责赔偿。
第二十五条 保险标的遭受损失后，如果有残余价值，应由双方协商处理。如折归被保险人，由双方协商确定其价值，并在保险赔款中扣除。
第二十六条 保险标的发生保险责任范围内的损失，保险人按以下方式计算赔偿：
（一）可以修复的部分损失——以将被保险机器设备修复至其基本恢复受损前状态的费用扣除残值后的金额为准，修理时需更换零部件的，可不扣除折旧。但若修复费用等于或超过被保险机器设备损失前的价值时，则按下列全部损失或推定全损的规定处理；
4
全部损失或推定全损——以被保险机器设备损失前的实际价值扣除残值后的金额为准，但保险人有权不接受被保险人对受损机器设备的委付；
任何属于成对或成套的设备项目，若发生损失，保险人的赔偿责任不超过该受损项目在
所属整对或整套设备项目的保险金额中所占的比例。
（二）保险金额等于或高于重置价值时，按实际损失计算赔偿，最高不超过重置价值；保险金额低于重置价值时，按保险金额与重置价值的比例乘以实际损失计算赔偿，最高
不超过保险金额；
若本保险合同所列标的不止一项时，应分项按照本条约定处理。
第二十七条 保险标的的保险金额大于或等于其重置价值时，被保险人为防止或减少保险标的的损失所支付的必要的、合理的费用，在保险标的损失赔偿金额之外另行计算，最高不超过被施救保险标的的重置价值。
保险标的的保险金额小于其重置价值时，上述费用按被施救标的的保险金额与其重置价值的比例在保险标的损失赔偿金额之外另行计算，最高不超过被施救保险标的的保险金额。
被施救的财产中，含有本保险合同未承保财产的，按被施救保险标的的实际价值与全部被施救财产价值的比例分摊施救费用。
第二十八条 每次事故保险人的赔偿金额为根据第二十六条约定计算的金额扣除每次事故免赔额（或免赔率）后的金额。
第二十九条 保险事故发生时，如果存在重复保险，保险人按照本保险合同的相应保险
金额与其他保险合同及本保险合同相应保险金额总和的比例承担赔偿责任。
其他保险人应承担的赔偿金额，本保险人不负责垫付。若被保险人未如实告知导致保险人多支付赔偿金的，保险人有权向被保险人追回多支付的部分。
第三十条 保险标的发生部分损失，保险人履行赔偿义务后，本保险合同的保险金额自损失发生之日起按保险人的赔偿金额相应减少，保险人不退还保险金额减少部分的保险费。如投保人请求恢复至原保险金额，应按原约定的保险费率另行支付恢复部分从投保人请求的恢复日期起至保险期间届满之日止按日比例计算的保险费。
第三十一条 发生保险责任范围内的损失，应由有关责任方负责赔偿的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利，被保险人应当向保险人提供必要的文件和所知道的有关情况。
被保险人已经从有关责任方取得赔偿的，保险人赔偿保险金时，可以相应扣减被保险人
已从有关责任方取得的赔偿金额。
保险事故发生后，在保险人未赔偿保险金之前，被保险人放弃对有关责任方请求赔偿权利的，保险人不承担赔偿责任；保险人向被保险人赔偿保险金后，被保险人未经保险人同意放弃对有关责任方请求赔偿权利的，该行为无效；由于被保险人故意或者因重大过失致使保险人不能行使代位请求赔偿的权利的，保险人可以扣减或者要求返还相应的保险金。
第三十二条 保险人受理报案、进行现场查勘、核损定价、参与案件诉讼、向被保险人
提供建议等行为，均不构成保险人对赔偿责任的承诺。
第三十三条 被保险人向保险人请求赔偿保险金的诉讼时效期间为二年，自其知道或者
争议处理和法律适用
5
第三十四条 因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险xxx的仲裁机构仲裁；保险单未载明仲裁机构且争议发生后未达成仲裁协议的，依法向人民法院起诉。
第三十五条 与本保险合同有关的以及履行本保险合同产生的一切争议，适用中华人民共和国法律（不包括港澳台地区法律）。
其他事项
第三十六条 如任何被保险锅炉、汽轮机、蒸汽机、发电机或柴油机连续停工超过三个月时（包括修理，但不包括由于发生保险责任范围内损失后的修理），停工期间保险费按下列办法退还给被保险人（但如该机器为季节性工厂所使用者除外）。
连续停工：三个月——五个月 退费 15%
六个月——八个月 退费 25%
九个月——十一个月 退费 35%
十二个月 退费 50%
第三十七条 投保人和保险人可以协商变更合同内容。
变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或附贴批单，或者投
保人和保险人订立变更的书面协议。
第三十八条 投保人可随时书面申请解除本保险合同，本保险合同自保险人收到投保人的书面申请之日的二十四时起终止。保险责任开始前，投保人要求解除合同的，保险人扣除 3%手续费后，剩余部分的保险费退还投保人；保险责任开始后，投保人要求解除合同的，对保险责任开始之日起至合同解除之日止期间的保险费，按短期费率计收，剩余部分退还投保人。
保险人亦可解除本保险合同。保险责任开始前，保险人要求解除合同的，不得向投保人收取手续费并应退还已收取的保险费；保险责任开始后，保险人可提前十五天通知投保人解除合同，对保险责任开始之日起至合同解除之日止期间的保险费，按日比例计收，剩余部分退还投保人。
第三十九条 保险标的发生部分损失的，自保险人赔偿之日起三十日内，投保人可以解除合同；除合同另有约定外，保险人也可以解除合同，但应当提前十五日通知投保人。
保险合同依据前款规定解除的，保险人应当将保险标的未受损部分的保险费，按照合同
约定扣除自保险责任开始之日起至合同解除之日止应收的部分后，退还投保人。
附录
短期费率表
保险期间已经过月数（个月） | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
年费率的比例（％） | 10 | 20 | 30 | 40 | 50 | 60 | 70 | 80 | 85 | 90 | 95 | 100 |
（注：保险期间已经过月数不足一月的按一月计算）。
6
中国平安财产保险股份有限公司
Contractors’ All Risks Policy
Whereas the Insured named in the Schedule hereto has made to the
(hereinafter called the “Insurers”) a written proposal by completing a questionnaire which together with any other statements made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein,
Now this Policy of insurance witnesses that subject to the Insured having paid to the Insurers the premium mentioned in the Schedule and subject to the terms, exclusions, provisions and conditions contained herein or endorsed hereon the Insurers will indemnify the Insured in the manner and to the extent hereinafter provided.
General Exclusions
The Insurers will not indemnify the Insured in respect of loss, damage or liability directly or indirectly caused by or arising out of or aggravated by
a) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lockout, civil commotion, military or usurped power, a group of malicious persons or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority;
b) nuclear reaction, nuclear radiation or radioactive contamination;
c) willful act or willful negligence of the Insured or of his representatives;
d) cessation of work whether total or partial.
In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.
Period of Cover
The liability of the Insurers shall commence, notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of work or after the unloading of the items entered in the Schedule at the site. The Insurers’ liability expires for parts of the insured contract works taken over or put into service.
At the latest the insurance shall expire on the date specified in the Schedule. Any extensions of the period of insurance are subject to the prior written consent of the Insurers.
General conditions
1. The due observance and fulfillment of the terms of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the questionnaire and proposal made by the Insured shall be a condition precedent to any liability of the Insurers.
2. The Schedule and the Section(s) shall be deemed to be incorporated in and form part of this Policy and the expression “this Policy” wherever used in this contract shall be read as including the Schedule and the Section(s). Any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Section(s) shall bear such meaning wherever it may appear.
3. The Insured shall at his own expense take all reasonable precautions and comply with all reasonable recommendations of the Insurers to prevent loss, damage or liability and comply with statutory requirements and manufacturers’ recommendations.
4. a) Representatives of the Insurers shall at any reasonable time have the right to inspect and examine the risk and the Insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.
b) The Insured shall immediately notify the Insurers by telegram and in writing of any material change in the risk and cause at his own expense such additional precautions to be taken as circumstances may require, and the scope of cover and/or premium shall, if necessary, be adjusted accordingly.
No material alteration shall be made or admitted by the Insured whereby the risk is increased, unless the continuance of the insurance is confirmed in writing by the Insurers.
5. In the event of any occurrence which might give rise to a claim under this Policy, the Insured shall
a) immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;
b) take all steps within his power to minimize the extent of the loss or damage;
c) preserve the parts affected and make them available for inspection by a representative or surveyor of the Insurers;
d) furnish all such information and documentary evidence as the Insurers may require;
e) inform the police authorities in case of loss or damage due to theft or burglary.
The Insurers shall not in any case be liable for loss, damage or liability of which no notice has been received by the Insurers within 14 days of its occurrence.
Upon notification being given to the Insurers under this condition, the Insured may carry out the repairs or replacement of any minor damage; in all other cases a representative of the Insurers shall have the opportunity of inspecting the loss or damage before any repairs or alterations are effected. If a representative of the Insurers does not carry out the inspection within a period of time which could be considered adequate under the circumstances, the Insured is entitled to proceed with the repairs or replacement.
The liability of the Insurers under this Policy in respect of any item sustaining damage shall cease if said item is not repaired properly without delay.
6. The Insured shall at the expense of the Insurers do and concur in doing and permit to be done all such acts and things as may be necessary or required by the Insurers in the interest of any rights or
remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers are or would become entitled or which is or would be subrogated to them upon their paying for or making good any loss or damage under this Policy, whether such acts and things are or become necessary or required before or after the Insured’s indemnification by the Insurers.
7. If any difference arises as to the amount to be paid under this Policy (liability being otherwise admitted), such difference shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or, if they cannot agree upon a single arbitrator, to the decision of two arbitrators, one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties, or, in case the arbitrators do not agree, of an umpire to be appointed in writing by the arbitrators before the latter enter upon the reference. The umpire shall sit with the arbitrators and preside at their meetings. The making of an award shall be a condition precedent to any right of action against the Insurers.
8. If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim is made and rejected and no action or suit is commenced within three months after such rejection or, in the case of arbitration taking place as provided herein, within three months after the arbitrator or arbitrators or umpire have made their award, all benefit under this Policy shall be forfeited.
9. If at the time any claim arises under the Policy there is any other insurance covering the same loss, damage or liability, the Insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss, damage or liability.
Section 1 – Material damage
The Insurers hereby agree with the Insured that if at any time during the period of cover the items or any part thereof entered in the Schedule shall suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a manner necessitating repair or replacement, the Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by payment in cash, replacement or repair (at their own option) up to an amount not exceeding in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding in any one event the limit of indemnity where applicable and not exceeding in all the total sum expressed in the Schedule as insured hereby.
The Insurers will also reimburse the Insured for the cost of clearance of debris following upon any event giving rise to a claim under this Policy provided a separate sum therefore has been entered in the Schedule.
Special Exclusions to Section 1
The Insurers shall not, however, be liable for
a) the deductible stated in the Schedule to be borne by the Insured in any one occurrence;
b) consequential loss of any kind or description whatsoever including penalties, losses due to delay, lack of performance, loss of contract;
c) loss or damage due to faulty design;
d) the cost of replacement, repair or rectification of defective material and/or workmanship, but this exclusion shall be limited to the items immediately affected and shall not be deemed to exclude loss of or damage to correctly executed items resulting from an accident due to such defective material and/or workmanship;
e) wear and tear, corrosion, oxidation, deterioration due to lack of use and normal atmospheric conditions;
f) loss or damage to construction plant, equipment and construction machinery due to electrical or mechanical breakdown, failure, breakage or derangement, freezing of coolant or other fluid, defective lubrication or lack of oil or coolant, but if as a consequence of such breakdown or derangement an accident occurs causing external damage, such consequential damage shall be indemnifiable;
g) loss of or damage to vehicles licensed for general road use or waterborne vessels or aircraft;
h) loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidences of debt, notes, securities, cheques;
i) loss or damage discovered only at the time of taking an inventory.
Provisions applying to Section 1 Memo 1 – Sums insured
It is a requirement of this insurance that the sums insured stated in the Schedule shall not be less than for item 1: the full value of the contract works at the completion of the construction, inclusive of all materials, wages, freight, customs duties, dues, and materials or items supplied by the Principal; for items 2 and 3: the replacement value of construction plant, equipment and machinery; which shall mean the cost of replacement of the insured items by new items of the same kind and capacity; and the Insured undertakes to increase or decrease the amounts of insurance in the event of any material fluctuation in wages or prices provided always that such increase or decrease shall take effect only after the same has been recorded in the Policy by the Insurers.
If, in the event of loss or damage, it is found that the sums insured are less than the amounts required to be insured, then the amount recoverable by the Insured under this Policy shall be reduced in such proportion as the sums insured bear to the amounts required to be insured. Every object and cost item is subject to this condition separately.
Memo 2 – Basis of loss settlement
In the event of any loss or damage the basis of any settlement under this Policy shall be
a) in the case of damage which can be repaired – the cost of repairs necessary to restore the items to their condition immediately before the occurrence of the damage less salvage, or
b) in the case of a total loss – the actual value of the items immediately before the occurrence of
the loss less salvage, however, only to the extent the costs claimed had to be borne by the Insured and to the extent they are included in the sums insured and provided always that the provisions and conditions have been complied with.
The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be. All damage which can be repaired shall be repaired, but if the cost of repairing any damage equals or exceeds the value of the items immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in b) above.
The cost of any provisional repairs will be borne by the Insurers if such repairs constitute part of the final repairs and do not increase the total repair expenses. The cost of any alterations, additions and/or improvements shall not be recoverable under this Policy.
Memo 3 – Extension of cover
Extra charges for overtime, nightwork, work on public holidays, express freight are covered by this insurance only if previously and specially agreed upon in writing.
Section 2 – Third party liability
The Insurers will indemnify the Insured up to but not exceeding the amounts specified in the Schedule against such sums which the Insured shall become legally liable to pay as damages consequent upon
a) accidental bodily injury to or illness of third parties (whether fatal or not),
b) accidental loss of or damage to property belonging to third parties occurring in direct connection with the construction or erection of the items insured under Section 1 and happening on or in the immediate vicinity of the site during the period of cover.
In respect of a claim for compensation to which the indemnity provided herein applies, the Insurers will in addition indemnify the Insured against
a) all costs and expenses of litigation recovered by any claimant from the Insured, and
b) all costs and expenses incurred with the written consent of the Insurers,
provided always that the liability of the Insurers under this Section shall not exceed the limits of indemnity stated in the Schedule.
Special Exclusions to Section 2
The Insurers will not indemnify the Insured in respect of
1. the deductible stated in the Schedule to be borne by the Insured in any one occurrence;
2. the expenditure incurred in doing or redoing or making good or repairing or replacing anything covered or coverable under Section 1 of this Policy;
3. damage to any property or land or building caused by vibration or by the removal or weakening of support or injury or damage to any person or property occasioned by or resulting from any such damage (unless especially agreed upon by endorsement);
4. liability consequent upon
a) bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) or any other firm connected with the project which or part of which is insured under Section 1, or members of their families;
b) loss of or damage to property belonging to or held in care, custody or control of the Contractor(s), the Principal(s) or any other firm connected with the project which or part of which is insured under Section 1, or an employee or workman of one of the aforesaid;
c) any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;
d) any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would have attached also in the absence of such agreement.
Special conditions applying to Section 2
1. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled, if they so desire, to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute for their own benefit in the name of the Insured any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.
2. The Insurers may so far as any accident is concerned pay to the Insured the limit of indemnity for any one accident (but deducting therefrom in such case any sum or sums already paid as compensation in respect thereof) or any lesser sum for which the claim or claims arising from such accident can be settled and the Insurers shall thereafter be under no further liability in respect of such accident under this Section.
Section 3 – Principal’s advance loss of profits
The Insurers shall indemnify the Insured – named as Principal in the Schedule to Section 1 of this Policy – in respect of loss of gross profit actually sustained due to the reduction in turnover and the increased cost of working as defined in this Section, if at any time during the period of insurance stated in the Schedule to this Section the insured contract works or any part thereof suffer loss or damage covered under Section 1 of this Policy, unless specifically excluded in this Section, thereby causing an interference in the construction work resulting in a delay of commencement of and/or interference with the insured business, hereinafter referred to as “the delay”.
The amount payable as indemnity hereunder shall be:
-in respect of loss of gross profit: the sum obtained by applying the rate of gross profit to the amount by which the actual turnover during the indemnity period falls short of the turnover which would have been achieved had the delay not occurred;
-in respect of increased cost of working: the additional expenditure necessarily and reasonably
incurred for the sole purpose of avoiding or diminishing the reduction in turnover which, without such expenditure, would have taken place during the indemnity period, but not exceeding the sum obtained by applying the rate of gross profit to the amount of the reduction in turnover thereby avoided.
If the annual sum insured hereunder is less than the sum obtained by applying the rate of gross profit to the annual turnover, the amount payable shall be reduced proportionately.
Definitions
Period of insurance
The period of insurance shall be the period stated in the Schedule to this Section, terminating on the date specified in the Schedule or on any earlier date when the CAR material damage cover of Section 1 ceases.
Scheduled date of commencement of the insured business
The date stated in the Schedule to this Section or any revised date upon which the business would have commenced had the delay not occurred.
Indemnity period
The period during which the results of the business are affected in consequence of the delay, beginning on the scheduled date of commencement of the insured business and not exceeding the maximum indemnity period stated in the Schedule to this Section.
Time excess
The period stated in the Schedule to this Section for which the Insurers are not liable. The corresponding amount shall be calculated by multiplying the average daily value of loss sustained during the indemnity period by the number of days agreed upon as time excess.
Turnover
The amount of money (less discounts allowed) paid or payable to the Insured for accommodation rented or other services rendered in the course of the insured business conducted at the premises. Annual turnover
The turnover which, had the delay not occurred, would have been achieved during the 12 months after the scheduled date of commencement of the insured business.
Annual gross profit
The amount by which the value of the annual turnover exceeds the amount of the specified working expenses.
Specified working expenses shall be any variable costs, e.g. costs incurred for the acquisition of goods, materials as well as for supplies and services (unless required for the upkeep of operations) and any expenditure for turnover tax, purchase tax, license fees and royalties, etc., insofar as such costs are dependent on turnover.
Rate of gross profit
The rate which, had the delay not occurred, would have been earned on the turnover during the indemnity period.
Special Exclusions to Section 3
The Insurers shall not be liable for
1. loss of gross profit and/or increased cost of working due to any delay caused by or resulting from
1.1. loss or damage covered under Section 1 by way of endorsement, unless it has been specifically agreed in writing;
1.2. earthquake, volcanic eruption, tsunami, unless it has been specifically agreed in writing;
1.3. loss of or damage to surrounding property, construction machinery, plant and equipment;
1.4. loss of or damage to operating media or feedstock, shortage, destruction, deterioration of or damage to any materials necessary for the insured business;
1.5. any restrictions imposed by a public authority;
1.6. non-availability of funds;
1.7. alterations, additions, improvements, rectification of defects or faults or elimination of any deficiencies carried out after the occurrence;
1.8. loss of or damage to items taken over or taken into use by the Insured or for which cover under Section 1 to this Policy has ceased;
2. any loss due to fines or damages for breach of contract, for late or non-completion of orders, or for any penalties of whatever nature;
3. loss of business due to causes such as suspension, lapse or cancellation of a lease, license or order, etc. which occurs after the date of actual commencement of the business;
4. loss of or damage to construction work of a prototype nature, unless specifically agreed by endorsement.
Provisions applying to Section 3 Memo 1 – Extension of period
Any extension of the period of insurance under Section 1 of this Policy shall not automatically lead to an extension of the period of insurance stated in the Schedule to this Section.
Any extension of the period of insurance under this Section of the Policy shall be requested in writing as early as possible by the Insured, stating the circumstances leading to the need for extension, and shall have effect for this Section only if specifically agreed upon in writing.
Any alteration of the scheduled date of commencement of the insured business shall be reported and shall have effect for this Section only if specifically agreed upon in writing.
Memo 2 – Basis of loss settlement
In calculating the rate of gross profit and annual turnover, the following points shall in particular be taken into consideration:
a) the results of the insured business for the 12-month period after commencement,
b) variations and special circumstances which would have affected the insured business had the delay not occurred,
c) variations and special circumstances affecting the insured business after commencement, so that
the final figures represent as closely as may be reasonably practicable the results which the insured business would have obtained after the scheduled date of commencement had the delay not occurred.
Memo 3 – Return of premium
If the Insured declares (certified by the Insured’s auditors) that the gross profit earned during the accounting period of twelve months following the commencement of the insured business or the date on which but for the delay the business would have commenced was less than the sum insured thereon, a pro rata return of premium not exceeding one third of the premium paid shall be made in respect of the difference.
If any loss or damage has occurred giving rise to a claim under this Policy, such return shall be made in respect only of so much of said difference as is not due to such damage.
Special conditions applying to Section 3
1. The Insured shall present the Insurers with updated progress reports at intervals stated in the Schedule to this Section.
2. In the event of any material change in the original risk such as
-changes of the envisaged progress programe
-alteration, modification or addition to any item of work
-departure from prescribed construction methods
-changes in the Insured’s interest (such as discontinuation or liquidation of the business or its being placed in receivership)
taking place, the Policy shall be void unless its continuance be agreed by memorandum signed by the Insurers.
3. In the event of any occurrence which might cause a delay and give rise to a claim under this Section:
a) the Insured shall immediately notify the Insurers by telephone or telegram and send them written confirmation thereof within forty-eight hours of the occurrence;
b) the Insured shall do and concur in doing and permit to be done all such things as may be reasonably practicable to minimize or establish the extent of any interference with the construction work so as to avoid or diminish any delay resulting therefrom;
c) the Insurers and every person authorized by the Insurers shall, without prejudice to any party insured by this Policy, have access to the construction site where such loss or damage has occurred for the purpose of direct negotiation with the responsible contractor or subcontractor in order to establish the possible cause and extent of the loss or damage, its effect on the insured interest, to examine the possibilities for minimizing any delay in the scheduled commencement of the insured business, and if necessary to make any reasonable recommendations for the avoidance or minimization of such delay.
This condition shall be evidence of the leave and license of the Insured to the Insurers so to do. If the Insured or anyone acting on his behalf hinders or obstructs the Insurers during any of the
above-mentioned acts or does not comply with such recommendations of the Insurers, all benefits under this Section shall be forfeited.
4. In the event of a claim made under this Section, the Insured shall at his own expense deliver to the Insurers not later than thirty days after the delay or within such further period as the Insurers may allow in writing a written statement setting forth particulars of his claim. Furthermore, the Insured shall at his own expense produce and furnish to the Insurers such books of account and other business books, e.g. invoices, balance sheets and other documents, proofs, information, explanations or other evidence as may reasonably be required by the Insurers for the purpose of investigating or verifying the claim together with – if required – a statutory declaration of the truth of the claim and of any matters connected therewith.
5. The indemnity shall be payable one month after final determination of its amount. Notwithstanding the above the Insured may, one month after the Insurers have been duly notified of the loss and have acknowledged their liability, claim as advance payment(s) the minimum amount(s) payable under the prevailing circumstances.
The Insurers shall be entitled to postpone payment
a) if there are doubts as to the Insured’s right to receive payment, until the necessary proof is furnished;
b) if, as a result of any loss or damage or any delay in the anticipated commencement of the insured business, police or criminal investigations have been initiated against the Insured, until the completion of such investigations.
The Insurers shall not be liable to pay interest on indemnity moneys withheld other than interest for default.
中国平安财产保险股份有限公司
Erection All Risks Policy
Whereas the Insured named in the Schedule hereto has made to the
(hereinafter called “the Insurers”) a written proposal by completing a Questionnaire which together with any other statements made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein.
Now this Policy of Insurance witnesses that subject to the Insured having paid to the Insurers the premium mentioned in the Schedule and subject to the terms, exclusions, provisions and conditions contained herein or endorsed hereon the Insurers will indemnify the Insured in the manner and to the extent hereinafter provided.
General Exclusions
The Insurers will not indemnify the Insured in respect of loss, damage or liability directly or indirectly caused by or arising out of or aggravated by
a) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, a group of malicious persons or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority;
b) nuclear reaction, nuclear radiation or radioactive contamination:
c) wilful act or wilful negligence of the Insured or of his representatives;
d) cessation of work whether total or partial.
In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.
Period of Cover
The liability of the Insurers shall commence notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of work or after the unloading of the items entered in the Schedule at the site and shall continue until immediately after taking over or after the first test operation or test loading is completed whatever is the earlier, but not beyond four weeks (unless otherwise agreed in writing) from the date of commencement of the test. If, however, a part of a plant or one or several machine(s) is/are tested and/or put into operation or taken over, the cover for that particular part of the plant or machine(s) and any liability resulting therefrom ceases whereas the cover continues for the remaining parts.
In the case of second-hand items, the insurance hereunder shall, however, cease immediately on the commencement of the test.
At the latest the insurance shall expire on the date specified in the Schedule. Any extensions of the
Period of Insurance are subject to the prior written consent of the Insurers.
General Conditions
1. The due observance and fulfilment of the terms of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the questionnaire and proposal made by the Insured shall be a condition precedent to any liability of the Insurers.
2. The Schedule and the Section(s) shall be deemed to be incorporated in and form part of this Policy and the expression "this Policy" wherever used in this contract shall be read as including the Schedule and the Section(s). Any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Section(s) shall bear such meaning wherever it may appear.
3. The Insured shall at his own expense take all reasonable precautions and comply with all reasonable recommendations of the Insurers to prevent loss, damage or liability and comply with statutory requirements and manufacturers' recommendations.
4. a) Representatives of the Insurers shall at any reasonable time have the right to inspect and examine the risk and the Insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.
b)The Insured shall immediately notify the insurers by telegram and in writing of any material change in the risk and cause at his own expense such additional precautions to be taken as circumstances may require, and the scope of cover and/or premium shall, if necessary, be adjusted accordingly.
No material alteration shall be made or admitted by the Insured whereby the risk is increased, unless the continuance of the insurance be confirmed in writing by the Insurers.
5. In the event of any occurrence which might give rise to a claim under this Policy, the Insured shall
a) immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;
b) take all steps within his power to minimize the extent of the loss or damage;
c) preserve the parts affected and make them available for inspection by a representative or surveyor of the Insurers;
d) furnish all such information and documentary evidence as the Insurers may require;
e) inform the police authorities in case of loss or damage due to theft or burglary.
The Insurers shall not in any case be liable for loss, damage or liability of which no notice has been received by the Insurers within 14 days of its occurrence.
Upon notification being given to the Insurers under this condition, the Insured may carry out the repairs or replacement of any minor damage; in all other cases a representative of the Insurers shall have the opportunity of inspecting the loss or damage before any repairs or alterations are effected. If a representative of the Insurers does not carry out the inspection within a period of
time which could be considered as adequate under the circumstances the Insured is entitled to proceed With the repairs or replacement.
The liability of the Insurers under this Policy in respect of any item sustaining damage shall cease if said item is not repaired properly without delay.
6. The Insured shall at the expense of the Insurers do and concur in doing and permit to be done all such acts and things as may be necessary or required by 1M Insurers in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers shall be or would become entitled or subrogated upon their paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after the Insured's indemnification by the Insurers.
7. If any difference shall arise as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators, one to be appointed in writing by each of the parties, within one calender month after having been required in writing so to do by either of the parties, or, in case the Arbitrators do not agree, of an Umpire to be appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings. The making of an award shall be a condition precedent to any right of action against the Insurers.
8. If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim is made and rejected and no action or suit is commenced within three months after such rejection or, in case of arbitration taking place as provided herein, within three months after the Arbitrator or Arbitrators or Umpire have made their award, all benefit under this Poi icy shall be forfeited.
9. If at the time any claim arises under the Policy there be any other insurance covering the same loss, damage or liability the Insurers shall not be liable to pay or contribute more than their rateable proportion of any claim for such loss, damage or liability.
SectionⅠ Material Damage
The Insurers hereby agree with the Insured that if at any time during the period of cover the items or any part thereof entered in the Schedule shall suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a manner necessitating repair or replacement, the Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by payment in cash, replacement or repair (at their own option) up to an amount not exceeding in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding in any one event the limit of indemnity where applicable and not exceeding in all the total sum expressed in the Schedule as insured hereby.
The Insurers will also reimburse the Insured for the cost of clearance of debris following upon any
event giving rise to a claim under this Policy provided a separate sum therefore has been entered in the Schedule.
Special Exclusions to Section I
The Insurers shall not, however, be liable for
a) the deductible stated in the Schedule to be borne by the Insured in any one occurrence;
b) consequential loss of any kind or description whatsoever including penalties, losses due to delay, lack of performance, loss of contract;
c) loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection;
d) wear and tear, corrosion, oxidation, incrustation;
e) loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidences of debt, notes, securities, cheques, packing materials such as cases, boxes, crates;
f) loss discovered only at the time of taking an inventory.
Provisions Applying to Section I
Memo 1 - Sums Insured: It is a requirement of this insurance that the sums insured stated in the Schedule (under items 1 and 2) shall not be less than the full value of each item at the completion of the erection, inclusive of freight, customs duties, dues, erection cost, and the Insured undertakes to increase or decrease the amounts of insurance in the event of any material fluctuation in the level of wages or prices provided always that such increase or decrease shall take effect only after the same has been recorded on the Policy by the Insurers.
If, in the event of loss or damage, it is found that the sums insured are less than the amounts required to be insured, then the amount recoverable by the Insured under this Policy shall be reduced in such proportion as the sums insured bear to the amounts required to be insured. Every object and cost item is subject to this condition separately.
Memo 2 - Basis of Loss Settlement: In the event of any loss or damage the basis of any settlement under this Policy shall be
a) in the case of damage which can be repaired the cost of repairs necessary to restore the items to their condition immediately before the occurrence of the damage less salvage, or
b) in the case of a total loss - the actual value of the items immediately before the occurrence of the loss less salvage,
however, only to the extent the costs claimed had to be borne by the Insured and to the extent they are included in the sums insured and provided always that the provisions and conditions have been complied with.
The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be. All damage which can be repaired shall be repaired, but if the cost of repairing any damage equals or exceeds the value of the items immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in b) above.
The cost of any provisional repairs will be borne by the Insurers if such repairs constitute part of the
final repairs and do not increase the total repair expenses.
The cost of any alterations, additions and/or improvements shall not be recoverable under this Policy.
Memo 3 - Extension Of cover: Extra charges for overtime, nightwork, work on public holidays, express freight are covered by this insurance only if previously and specially agreed upon in writing.
Memo 4 - Surrounding Property: Loss of or damage to property located on or adjacent to the site and belonging to or held in care, custody or control of the Principal(s) or the Contractor(s) shall only be covered if occurring in direct connection with the erection, construction or testing of the items insured under Section I and happening during the Period of Cover, and provided that a separate sum therefore has been entered in the Schedule under Section I, item 4. This cover does not apply to construction/erection machinery and construction/erection plant and equipment.
Section II - Third Party Liability
The insurers will indemnify the Insured up to but not exceeding the amounts specified in the Schedule against such sums which the Insured shall become legally liable to pay as damages consequent upon
a) accidental bodily injury to or illness of third parties (whether fatal or not)
b) accidental loss of or damage to property belonging to third parties occurring in direct connection with the erection, construction or testing of the items insured under Section I and happening on or in the immediate vicinity of the site during the Period of Cover.
In respect of a claim for compensation to which the indemnity provided herein applies, the Insurers will in addition indemnify the Insured against
a) all costs and expenses of litigation recovered by any claimant from the Insured, and
b) all costs and expenses incurred with the written consent of the Insurers,
provided always that the liability of the Insurers under this section shall not exceed the limits of indemnity stated in the Schedule.
Special Exclusions to Section II
The Insurers will not indemnify the Insured in respect of
1. the deductible stated in the Schedule to be borne by the Insured in any one occurrence;
2. expenditure incurred in doing or redoing or making good or repairing or replacing anything covered or coverable under Section I of this Policy;
3. liability consequent upon
a) bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) or any other firm connected with the project which or part of which is insured under Section I, or members of their families;
b) loss of or damage to property belonging to or held in care, custody or control of the Contractor(s), the Principal(s) or any other firm connected with the project which or part of which is insured under Section I, or an employee or workman of one of the aforesaid;
c) any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;
d) any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would have attached also in the absence of such agreement.
Special Conditions Applying to Section II
1. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled, if they so desire, to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute for their own benefit in the name of the Insured any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.
2. The Insurers may so far as any accident is concerned pay to the Insured the limit of indemnity for any one accident (but deducting therefrom in such case any sum or sums already paid as compensation in respect thereof) or any lesser sum for which the claim or claims arising from such accident can be settled and the Insurers shall thereafter be under no further liability in respect of such accident under this section.
Section 3 – Principal’s advance loss of profits
The Insurers shall indemnify the Insured – named as Principal in the Schedule to Section 1 of this Policy – in respect of loss of gross profit actually sustained due to the reduction in turnover and the increased cost of working as defined in this Section, if at any time during the period of insurance stated in the Schedule to this Section the insured contract works or any part thereof suffer loss or damage covered under Section 1 of this Policy, unless specifically excluded in this Section, thereby causing an interference in the construction work resulting in a delay of commencement of and/or interference with the insured business, hereinafter referred to as “the delay”.
The amount payable as indemnity hereunder shall be:
-in respect of loss of gross profit: the sum obtained by applying the rate of gross profit to the amount by which the actual turnover during the indemnity period falls short of the turnover which would have been achieved had the delay not occurred;
-in respect of increased cost of working: the additional expenditure necessarily and reasonably incurred for the sole purpose of avoiding or diminishing the reduction in turnover which, without such expenditure, would have taken place during the indemnity period, but not exceeding the sum obtained by applying the rate of gross profit to the amount of the reduction in turnover thereby
avoided.
If the annual sum insured hereunder is less than the sum obtained by applying the rate of gross profit to the annual turnover, the amount payable shall be reduced proportionately.
Definitions
Period of insurance
The period of insurance shall be the period stated in the Schedule to this Section, terminating on the date specified in the Schedule or on any earlier date when the CAR material damage cover of Section 1 ceases.
Scheduled date of commencement of the insured business
The date stated in the Schedule to this Section or any revised date upon which the business would have commenced had the delay not occurred.
Indemnity period
The period during which the results of the business are affected in consequence of the delay, beginning on the scheduled date of commencement of the insured business and not exceeding the maximum indemnity period stated in the Schedule to this Section.
Time excess
The period stated in the Schedule to this Section for which the Insurers are not liable. The corresponding amount shall be calculated by multiplying the average daily value of loss sustained during the indemnity period by the number of days agreed upon as time excess.
Turnover
The amount of money (less discounts allowed) paid or payable to the Insured for accommodation rented or other services rendered in the course of the insured business conducted at the premises. Annual turnover
The turnover which, had the delay not occurred, would have been achieved during the 12 months after the scheduled date of commencement of the insured business.
Annual gross profit
The amount by which the value of the annual turnover exceeds the amount of the specified working expenses.
Specified working expenses shall be any variable costs, e.g. costs incurred for the acquisition of goods, materials as well as for supplies and services (unless required for the upkeep of operations) and any expenditure for turnover tax, purchase tax, licence fees and royalties, etc., insofar as such costs are dependent on turnover.
Rate of gross profit
The rate which, had the delay not occurred, would have been earned on the turnover during the indemnity period.
Special Exclusions to Section 3
The Insurers shall not be liable for
1. loss of gross profit and/or increased cost of working due to any delay caused by or resulting
from
1.1. loss or damage covered under Section 1 by way of endorsement, unless it has been specifically agreed in writing;
1.2. earthquake, volcanic eruption, tsunami, unless it has been specifically agreed in writing;
1.3. loss of or damage to surrounding property, construction machinery, plant and equipment;
1.4. loss of or damage to operating media or feedstock, shortage, destruction, deterioration of or damage to any materials necessary for the insured business;
1.5. any restrictions imposed by a public authority;
1.6. non-availability of funds;
1.7. alterations, additions, improvements, rectification of defects or faults or elimination of any deficiencies carried out after the occurrence;
1.8. loss of or damage to items taken over or taken into use by the Insured or for which cover under Section 1 to this Policy has ceased;
2. any loss due to fines or damages for breach of contract, for late or non-completion of orders, or for any penalties of whatever nature;
3. loss of business due to causes such as suspension, lapse or cancellation of a lease, licence or order, etc. which occurs after the date of actual commencement of the business;
4. loss of or damage to construction work of a prototype nature, unless specifically agreed by endorsement.
Provisions applying to Section 3 Memo 1 – Extension of period
Any extension of the period of insurance under Section 1 of this Policy shall not automatically lead to an extension of the period of insurance stated in the Schedule to this Section.
Any extension of the period of insurance under this Section of the Policy shall be requested in writing as early as possible by the Insured, stating the circumstances leading to the need for extension, and shall have effect for this Section only if specifically agreed upon in writing.
Any alteration of the scheduled date of commencement of the insured business shall be reported and shall have effect for this Section only if specifically agreed upon in writing.
Memo 2 – Basis of loss settlement
In calculating the rate of gross profit and annual turnover, the following points shall in particular be taken into consideration:
a) the results of the insured business for the 12-month period after commencement,
b) variations and special circumstances which would have affected the insured business had the delay not occurred,
c) variations and special circumstances affecting the insured business after commencement,
so that the final figures represent as closely as may be reasonably practicable the results which the insured business would have obtained after the scheduled date of commencement had the delay not occurred.
Memo 3 – Return of premium
If the Insured declares (certified by the Insured’s auditors) that the gross profit earned during the accounting period of twelve months following the commencement of the insured business or the date on which but for the delay the business would have commenced was less than the sum insured thereon, a pro rata return of premium not exceeding one third of the premium paid shall be made in respect of the difference.
If any loss or damage has occurred giving rise to a claim under this Policy, such return shall be made in respect only of so much of said difference as is not due to such damage.
Special conditions applying to Section 3
1. The Insured shall present the Insurers with updated progress reports at intervals stated in the Schedule to this Section.
2. In the event of any material change in the original risk such as
-changes of the envisaged progress programme
-alteration, modification or addition to any item of work
-departure from prescribed construction methods
-changes in the Insured’s interest (such as discontinuation or liquidation of the business or its being placed in receivership)
taking place, the Policy shall be void unless its continuance be agreed by memorandum signed by the Insurers.
3. In the event of any occurrence which might cause a delay and give rise to a claim under this Section:
a) the Insured shall immediately notify the Insurers by telephone or telegram and send them written confirmation thereof within forty-eight hours of the occurrence;
b) the Insured shall do and concur in doing and permit to be done all such things as may be reasonably practicable to minimize or establish the extent of any interference with the construction work so as to avoid or diminish any delay resulting therefrom;
c) the Insurers and every person authorized by the Insurers shall, without prejudice to any party insured by this Policy, have access to the construction site where such loss or damage has occurred for the purpose of direct negotiation with the responsible contractor or subcontractor in order to establish the possible cause and extent of the loss or damage, its effect on the insured interest, to examine the possibilities for minimizing any delay in the scheduled commencement of the insured business, and if necessary to make any reasonable recommendations for the avoidance or minimization of such delay.
This condition shall be evidence of the leave and license of the Insured to the Insurers so to do. If the Insured or anyone acting on his behalf hinders or obstructs the Insurers during any of the above-mentioned acts or does not comply with such recommendations of the Insurers, all benefits under this Section shall be forfeited.
4. In the event of a claim made under this Section, the Insured shall at his own expense deliver to
the Insurers not later than thirty days after the delay or within such further period as the Insurers may allow in writing a written statement setting forth particulars of his claim. Furthermore, the Insured shall at his own expense produce and furnish to the Insurers such books of account and other business books, e.g. invoices, balance sheets and other documents, proofs, information, explanations or other evidence as may reasonably be required by the Insurers for the purpose of investigating or verifying the claim together with – if required –a statutory declaration of the truth of the claim and of any matters connected therewith.
5. The indemnity shall be payable one month after final determination of its amount. Notwithstanding the above the Insured may, one month after the Insurers have been duly notified of the loss and have acknowledged their liability, claim as advance payment(s) the minimum amount(s) payable under the prevailing circumstances.
The Insurers shall be entitled to postpone payment
a) if there are doubts as to the Insured’s right to receive payment, until the necessary proof is furnished;
b) if, as a result of any loss or damage or any delay in the anticipated commencement of the insured business, police or criminal investigations have been initiated against the Insured, until the completion of such investigations.
The Insurers shall not be liable to pay interest on indemnity moneys withheld other than interest for default.