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1、精品名师归纳总结ThisPolicycomprisesmainlythe Schedule,Scopeof Cover,Exclusions,Treatmentof Claim, Insureds Obligations, GeneralConditions and Special Provisions, including alsothe Proposal ofInsurancetogetherwith its attachmentsas wellas any additionsto bemade, from time to time, by the Company in the form
2、of Endorsement. CLAUSESI. SCOPE OF COVERTheCompanywill indemnifythe Insuredin the mannerandwithinthe limitof liability specified in the Schedule against such sums as the Insured shall become legally liable topay in respect of claims made against the Insured arising from bodily injury to or illness o
3、r death of or loss of or damage to property of one or more persons using, consuming orhandingthe insuredproductsor goods,or of anyotherpersonsconsequentuponan occurrence taking place in the territory of coverage within the period of insurance causedby products or goods manufactured or sold by the In
4、sured stated in the Schedule.In respect of any claim covered under this Policy, the Company shall in addition indemnify the Insured against the relevant legal costs payable by the Insured and other expenses incurred in the above mentioned occurrence with the prior written consent of the Company, but
5、 the total liability of the Company for the sums of compensation and the legal costs and expenses shall in no way exceed the limit of indemnity stated in the Schedule.II. EXCLUSIONSThe Company shall not be liable for:1. liability assumed in accordance with any agreement between the Insured and other
6、 parties, unless such liability would have been attached to the Insured notwithstanding such agreement;2. liability assumed by the Insured under any Labour Law or Workmen s Compensation Statute;3. liability of the Insured to employees which is based on the relationship of Master and Servant;4. loss
7、of or damage to the insured products;5. costs arising out of replacement or recall of the insured products;6. loss of or damage to property belonging to or held in care, custody or control of the Insured;7. bodily injury, illness or death or damage to property sustained by any person caused by produ
8、cts or goods manufactured or sold by the Insured in willful violation of any law;8. liabilityarisingoutofpollutionofanykindordescriptionwhatsoeversuchas atmosphere, land and water caused by the insured products;9. liability for loss of or damage to the aircrafts or ships caused by the insured produc
9、ts;10. liability for any consequence arising directly or indirectly from war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d etat;11. liabilityforanyconsequencearisingdirectlyorindirectlyfromstrike,riot,civil commotion or malicious acts;12. liabilityarisi
10、ngdirectlyorindirectlyfromnuclearfission,nuclearfusion,nuclear可编辑资料 - - - 欢迎下载精品名师归纳总结weapon, nuclear material, nuclear radiation and radioactive contamination;13. fines, penalties, punitive or exemplary indemnities;14. The deductibles stated in the Schedule or stipulated in the Policy to be borne b
11、y the Insured.III. TREATMENT OF CLAIM1. In the event of any claim recoverable under this Policy:1.1 no admission, rejection, offer, promise, payment or indemnity shall bemade or given by or on behalf of the Insured or his representative without the written consent of the Company. And the Company sha
12、ll be entitled, if it so desires, totake over and conduct in the name of the Insured the defense or settlement of any claim;1.2 the Company shall be entitled, at its own expense and for its own benefit, to lodge in the name of the Insured any claim for indemnity against any persons. Without the writ
13、ten consent of the Company, the Insured shall not accept the payment or arrangement of indemnity in respect of the loss or damage offered by any partyheldresponsiblefor suchlossordamageandshallnotabandonthe rightofrecoveryfromsuchparty,otherwise,theInsuredshallbeliableforany consequence arising ther
14、efrom;1.3 the Company shall have full discretion the conduct any proceedings or settle anyclaim,andtheInsuredshallgiveall suchinformationandassistanceas the Company may require.2. Bodily injury to or illness or death of or damage to property of more than one person arising from same lot of products
15、or goods manufactured, sold due to the same cause shall be considered as resulting from one occurrence.3. The time of validity of a claim under this insurance shall not exceed a period of two years counting from the date of loss.IV. INSURED S OBLIGATIONSThe following Obligations shall be strictly fu
16、lfilled by the Insured and his representative:1. TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrue answers or descriptions to the questions in the Proposal and Questionaire or to anyother questions raised by the Company.2. The Insured and his representative shall pay to the Compan
17、y in due course the agreed premium in the manner as provided in the Schedule and Endorsements.3. Upon expiration of this insurance, the Insured shall furnish in writing with a statementof actual gross receipts by products or goods manufactured, sold by the Insured during the currency of this insuran
18、ce as basis for calculating the actual premium. Inthe event the actual premium is more than the deposit premium, the Insured shall paythe difference to the Company, if less, the Company will refund the difference to the Insured. But in no case the actual premium shall be less than the minimum premiu
19、m as required.The Company shall have the right to require of the Insured at any time within the insurance period a statement of the entire amount of the total sales of products or goods manufactured, sold by the Insured during any specified part of the said period.可编辑资料 - - - 欢迎下载精品名师归纳总结The Company
20、 shall also have the right to authorize their representative to examine the books and records of the Insured and to verify the above relevant figures.4. In the event of any occurrence which gives or might give rise to a claim under this Policy, the Insured or his representative shall:4.1 notify the
21、Company immediately and, within seven7 days or any further period as may be agreed by the Company in writing, furnish a written report to indicate the course, probable reason and extent of loss or damage;4.2 immediately give notice to the Company in writing whenever having knowledgeof any impending
22、prosecution in connection with any accident for which there may be liability under this Policy, and forward to the Company every letter writ,summons or process or other court documents on receipt thereof;4.3 furnish all such information and documentary evidence as the Company may require for support
23、ing the claim.5. If discovery of a defect in any products or goods insured shall indicate or suggest that similar defect exists in other products or goods insured, the Insured shall, at his own expenses, investigate and rectify forthwith the defect in such other products or goods.Otherwise,all loss
24、or damagearisingout ofthe saiddefectshallbe borneby theInsured.V. GENERAL CONDITIONS1. Policy EffectThe due observance and fulfillment of the terms and conditions of this Policy in so faras theyrelateto anythingtobe doneor compliedwith by the Insuredshallbe a condition precedent to any liability of
25、the Company under this Policy.2. Policy voidanceThisPolicyshallbe voidablein the eventof misrepresentation,misdescriptionor non-disclosure made by the Insured or his representative in any material particular inrespect of this insurance.3. Risk Change3.1 In the event the Insured manufactures, and/or
26、sells a new product or products or there is any material change on chemical composition of any product or productsinsuredhereunderduringthe periodof insurance,theInsuredshall givethe Company a notice in writing within ten10 days from the date of manufactureand salethereofto the Company,anda suitable
27、additionalpremiumshall be paid at the request of the Company, otherwise this insurance shall not extend tocover such product or products.3.2 Unless its continuance be admitted by the Company in writing, this Policy shall be automatically terminated if:the insurable interest of the Insured is lost; t
28、he risk of loss or damage is increased.After termination of the Policy, the premium shall be refunded to the Insured calculated on pro rata daily basis for the period from the date of termination to the date of expiry.4. Policy Cancellation可编辑资料 - - - 欢迎下载精品名师归纳总结This Policy may be canceled at any t
29、ime at the request of the Insured in writing or atthe option of the Company by giving a fifteen15 days prior notice to the Insured.In the former case theCompany shall retaina premium calculatedon short term rate basis for the time the Policy has been in force while in the latter case such premiumsha
30、ll be calculated on pro rata daily basis.5. Forfeit of BenefitIf the claim is in any respect fraudulent, or if any fraudulent means or devices are used by the Insured or his representative to obtain any benefit under this Policy or if any loss or damage is occasioned by the intentional act or in the
31、 connivance of the Insuredor his representative, then in any of these cases, all the rights and benefits of the Insured under this Policy shall be forfeited, and all consequent losses arising therefrom including the amount of claim paid by the Company shall be indemnified bythe Insured.6. Reasonable
32、 InspectionThe representative of the Company shall at any suitable time be entitled to attend the site andinspect or examine the risk exposure of buildings, machinery, equipments,working process and products or goods of the Insured.For this purpose, the Insured shall provide full assistance and all
33、details and information required by the Companyas may be necessary for the assessment of the risk. The above mentioned inspection or examination shall in no circumstances be held as any admission to the Insured by the Company.In the event of any defect or danger being apparent to the Company s inspe
34、ctor, the Company may give notice in writing to theInsured and thereupon all liability of theCompany in respect thereof or arising therefrom shall be suspended until the same be cured or removed to the satisfaction of the Company.7. Double InsuranceShould any loss, damage, expenses or liability reco
35、verable under the Policy be also covered by any other insurance, the Company shall only be liable to pay or contribute his proportion of the claim irrespective as to whether the other insurance is arranged by the Insured or others on his behalf, or whether any indemnification is obtainable under suc
36、h other insurance.8. SubrogationWhere a third party shall be held responsible for the loss or damage covered under this Policy, the Insured shall, whether being indemnified by the Company or not, take all necessary measures to enforce or reserve the right of recovery against such third party, and up
37、on being indemnified by the Company, subrogate to the Company all therightofrecovery,transferall necessarydocumentsto andassistthe Companyin pursuing recovery from the responsible party.9. DisputeAll disputes under this insurance arising between the Insured and the Company shallbesettledthroughfrien
38、dlynegotiations.Wherethetwopartiesfailtoreachan agreement after negotiations, such dispute shall be submitted to arbitration or to courtfor legal actions.Unless otherwise agreed, such arbitration or legal action shall be carried out in the place where the defendant is domiciled.可编辑资料 - - - 欢迎下载精品名师归
39、纳总结VI. SPECIAL PROVISIONSThe following provisions shall be applied to all parts of this Policy and shall override the other terms and conditions of this Policy if any conflict arises.1. Claim Made Basis ClauseIt is hereby agreed and amended:1) This insuranceapply to“ bodily injury”“apnrdoperty damag
40、e” resultingfrom an occurrence which first commences on and after the retroactive date designated inthe schedule, only if:a) A claim for damage because of“ bodily injury” and“ property damage” is first made in writing against any insured during the policy period andb) Anyinsureddidnotknoworcouldnothavereasonablyforeseensuch occurrence at the effective date of this policy.可编辑资料 - - - 欢迎下载