保险英文

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　　我给你个财险险的英文保单，自己研究吧

　　SCHEDULE

　　Policy No.

　　1. Name of the Insured:

　　Address of Applicant:

　　2. Name of the Insured:

　　(1) The Principal:

　　(2) The Contractor:

　　(3) The Sub-contractor(s):

　　(4) The Other Party(ies) Concerned:

　　3. The Title of Contract/ Project:

　　4. The Site of Construction:

　　5. Insured Items and Sums Insured/Limits of Indemnity

　　Section I: Material Damage

　　(1) Insured Items Sums Insured Deductibles

　　Contract Works (permanent and temporary work, including all materials to be incorporated herein)

　　Contract Price:

　　Materials or Items Supplied by the Principal(s)

　　Erection Work:

　　Construction Plant and Equipment(according to the attached list)

　　Removal of Debris:

　　Professional Fees:

　　Total Sum Insured under Section I:

　　Premium Rate:

　　(2) Limits of Indemnity for Special Risks

　　Risks Limits of Indemnity

　　(1) Earthquake, Tsunami:

　　(2) Flood, Storm, Tempest:

　　Section II: Third Party Liability

　　Limits of Indemnity

　　Bodily Injury: (Limits of Indemnity per person A.O.A.*)

　　Property Damage:

　　In Aggregate during the Period of Insurance:

　　Premium Rate:

　　* The words “A.O.A. (ANY ONE ACCIDENT)” shall mean any one accident or series of accidents arising out of one event irrespective of the number of claims that may arise therefrom.

　　6. Deductibles:

　　(1) Applicable to Property Damage Under Section I:

　　(2) Applicable to Property Damage For Special Risks:

　　(3) Applicable to Property Damage Under Section II:

　　7. Period of Insurance

　　(1) Construction Period: months, from to

　　including days testing and commissioning

　　(2) Maintenance Period: months, from to

　　8. Premium:

　　Total Premium:

　　9. Date of Payment:

　　10. Jurisdiction:

　　11. Special Agreement/ Remark:

　　12. Special Provisions:

　　I. SECTION I - MATERIAL DAMAGE

　　1. SCOPE OF COVER

　　1.1 The Company shall indemnify the Insured in respect of the physical loss of or damage to the property insured during the period of insurance within the specified worksite arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded , in the manner and to the extent hereinafter provided.

　　1.2 The Company shall also indemnify the Insured for the necessary cost specified in the Schedule and incurred following upon any event giving rise to a claim under this Policy.

　　1.3 The liability of the Company in respect of each item insured shall not exceed the sum set opposite thereto specified in the Schedule nor the limit of indemnity specified in the Special Provisions or Endorsements where applicable. But in no case shall the maximum indemnity liability of the Company in respect of material damage under this section exceed the total sum insured specified in the Schedule.

　　Definitions

　　The words "NATURAL HAZARDS" shall for the purpose of this Policy, mean earthquake, tsunami, thunder-and-lightning, hurricane, typhoon, tornado, storm, tempest, flood, inundation, frost, hailstorm, landslide, rockslide, avalanche, volcanic explosion, subsidence of ground and any other phenomena of nature with strong destructive power and beyond human control.

　　The Word "ACCIDENT" shall for the purpose of this Policy, mean any unforeseen, uncontrollable and sudden occurrence event which leads to material damage or bodily injury, including fire and explosion.

　　2. EXCLUSIONS

　　The Company Shall not be liable for:

　　2.1 loss or damage and expenses arising from faulty design;

　　2.2 loss of or damage to the insured property itself or expenses arising therefrom due to wear and tear, inherent or latent defect, change in substance, spontaneous combustion, natural heating, oxidation, rust and corrosion, leakage, mice, insects or vermin, change in atmosphere (climatic or temperature) conditions, change in normal water level or any other progressively operating cause;

　　2.3 loss of or damage to the insured property itself due to defective material or bad workmanship and expenses incurred for replacing, repairing or rectifying such defects or mistakes;

　　2.4 loss of or damage to the insured mechanical or electrical devices not due to exterior forces; loss or damage due to breakdown or derangement or engineering tools, equipment or mechanical devices;

　　2.5 expenses of maintenance or upkeep or normal overhaul;

　　2.6 loss of or damage to files, documents, account books, bills, cash, securities, charts, data and packing materials;

　　2.7 shortage discovered at the time of taking an inventory;

　　2.8 loss of or damage to vehicles, ships or aircraft licensed for general transport use or having been covered by any other insurance;

　　2.9 unless otherwise agreed by the Company in writing loss of or damage to the property belonging to the Insured which is existing or formed within or in the vicinity of the site before the commencement of the contract work;

　　2.10 unless otherwise agreed by the Company in writing loss of or damage to any part or parts of the property insured for which a certificate of completion has been issued or which have been tested after completion or actually occupied or put into service or taken over by the Principal before the expiry date of this Policy.

　　II. SECTION II - THIRD PARTY LIABILITY

　　1. SCOPE OF COVER

　　1.1 The Company shall in the manner hereinafter provided indemnify the Insured against such sums which the Insured shall become legally liable to pay as damages in respect of death of or bodily injury to or illness of third parties, or loss of or damage to property belonging to third parties in consequence of an accident occurring in direct connection with the performance of the contract work insured and happening on or in the vicinity of the site during the period of insurance.

　　1.2 In respect of any claim covered under this Section, the Company shall in addition indemnify the Insured against the relevant legal costs payable by the Insured and other expenses incurred with the prior written consent of the Company.

　　1.3 The indemnification made by the Company for any one accident shall be subject to the amounts to be payable by the Insured which are decided in accordance with the law by the court or the governmental department concerned.

　　Provided always that the liability of the Company under this section shall in no case exceed the limits of indemnity for any one accident stated in the Schedule, and during the whole period of insurance, the maximum liability of the Company under this section shall in no case exceed the limit of indemnity in aggregate as stated in the Schedule.

　　2. EXCLUSIONS

　　The Company shall not be liable for :

　　2.1 loss or damage and expenses covered or coverable under Section I of this policy;

　　2.2 loss of or damage to any property, land or structure caused by vibration or by removal or weakening of support and injury or damage to any person or property occasioned by or resulting from any such loss or damage;

　　2.3 liability arising from

　　2.3.1 death of or bodily injury to or illness of the Principal(s) or the Contractor(s) or any other party (ies) or their employees or workmen engaged in connection with the contract work on the site , or members of their families;

　　2.3.2 loss of or damage to property belonging to or held in care, custody or control of the Principal (s) or the Contractor (s) or any other party (ies) concerned or their employees or workmen;

　　2.3.3 any accident caused by vehicles, ships or aircrafts licensed for general transport use;

　　2.3.4 indemnification or payment made by the Insured in accordance with any agreement between the Insured and other parties, unless such liability would have been attached to the Insured notwithstanding such agreement.

　　III. GENERAL EXCLUSIONS

　　The Company shall not indemnify the Insured under this Policy in respect of loss, damage expenses, or liability directly or indirectly caused by or arising out of or aggravated by:

　　1.1 war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d"etat;

　　1.2 confiscation, requisition, destruction or damage by any action or order of any government de jure or de facto or by any public authorities;

　　1.3 strike, riot, civil commotion;

　　2. intentional act or gross negligence of the Insured or his representative;

　　3. nuclear fission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiation and radioactive contamination;

　　4. pollution of any kind or description whatsoever such as atmosphere, land and water pollutions;

　　5. cessation of work whether total or partial;

　　6. consequential loss of any kind or description whatsoever including penalties, losses due to delay or loss of contract;

　　7. the deductibles stated in the Schedule to be borne by the Insured.

　　IV. SUM INSURED

　　1. It is a basic requirement of this insurance that the sums insured stated in the Schedule shall not be less than:

　　1.1 For erection work-the full value of the insured project at the completion of the construction including cost of equipments, materials, construction and erection freight and premium, customs duty, any other dues and expenses, and the cost of materials of equipments supplied by the Principal;

　　1.2 For construction plant and equipment-the replacement cost of the insured items by new ones of the same size and same capacity;

　　1.3 For other Items Insured-the sums agreed upon between the Insured and the Company.

　　2. If the sum insured in respect of contract work is based on the estimated contract value stated in the construction contract , the Insured shall:

　　2.1 immediately notify the Company in writing if the contract value including all expenses under this insurance exceeds the original insured contract value due to rise in price or increment, and the Company shall then adjust the sum insured accordingly;

　　2.2 keep a precise record in writing on the particulars of the work concerned during the period of insurance and allow the representative of the Company to inspect and examine such record at any reasonable time;

　　2.3 if the construction period of the insured project is longer than thirty six (36) months, declare to the Company at an interval of every twelve (12) months from the inception date of the policy, the actual amount of fund put into the project by the time of declaration as well as the new estimate contract value, if it is revised the Company shall adjust the premium accordingly;

　　2.4 provide the Company with the actual final contract value within three (3) months after the expiry date of this insurance, and any difference between the premium paid in advance and that payable shall be paid to or refunded by the Company as the case may be.

　　Otherwise, the Company shall take it that the Sums Insured are less than the amounts required to be insured and in case of loss or damage falling within the scope of cover, the indemnification shall be made proportionately according to the Provision (6) of the General Conditions of this Policy.

　　V. PERIOD OF INSURANCE

　　1. Material Damage and Third Party Liability Insurance during the construction Period.

　　1.1 The liability of the Company shall commence notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of the project or after the unloading of the insured materials or equipments at the site and shall expire immediately after a certificate of completion has been issued for part or whole of the insured project or part or whole of the insured project has been tested after completion or actually occupied or put into service or taken over by the Principal, whichever is the earlier. In no case shall the effective date be earlier or expiry date be later respectively than both dates specified in the Schedule.

　　1.2 Notwithstanding anything to the Contrary contained in the contract concerned, the Company shall only be liable for loss or damage, expenses and liability caused or incurred by testing or commissioning arising during the testing or commissioning period stated in the Schedule. In the case of using second-hand items or equipments, the insurance to such equipment shall, however, cease immediately on the commencement of the test.

　　1.3 Any extensions of the period of insurance shall be subject to the Company"s prior consent in writing. Otherwise, the Company shall not be liable for any loss or damage, expense and liability arising during the period from the expiry date of the construction period stated in the Schedule to the expiry date of the maintenance period specified below.

　　2. Material Damage Insurance during the Maintenance Period

　　The period of insurance, being subject to the maintenance period specified in the insured contract , shall commence at the time when a certificate of completion has been issued for part or parts of the insured project or part or parts of the insured project have been tested after completion or actually occupied or put into service or taken over by the Principal, whichever is the earlier. It is however provided that, under no circumstances shall such period go beyond the maintenance period stated in the Schedule.