财产保险公司安装工程一切险合同(中英文).doc

某财产保险公司安装工程一切险合同条款(中英文)ERECTION ALL RISKS CLAUSES第一部分 物质损失. SECTION -MATERIAL DAMAGE（一）责任范围1.Coverage1、在本保险期限内，若本保险单明细表中分项列明的保险财产在列明的工地范围内，因本保险单除外责任以外的任何自然灾害或意外事故造成的物质损坏或灭失（以下简称“损失”），本公司按本保险单的规定负责赔偿。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 work-site arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded, in the manner and to the extent hereinafter provided.2、对经本保险单列明的因发生上述损失所产生的有关费用，本公司亦可负责赔偿。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.3、本公司对每一保险项目的赔偿责任均不得超过本保险单明细表中对应列明的分项保险金额以及本保险单特别条款或批单中规定的其他适用的赔偿限额。但在任何情况下，本公司在本保险单项下承担的对物质损失的最高赔偿责任不得超过本保险单明细表中列明的总保险金额。1.3 The liability of the Company in respect of each item insured shall not exceed the sum set corresponding 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 liability of the Company in respect of material damage under this section exceed the total sum insured specified in the Schedule.定义DEFINITIONS自然灾害：指地震、海啸、雷电、飓风、台风、龙卷风、风暴、暴雨、洪水、水灾、冻灾、冰雹、地崩、山崩、雪崩、火山爆发、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。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.意外事故：指不可预料的以及被保险人无法控制并造成物质损失或人身伤亡的突发性事件，包括火灾和爆炸。The Word ：“ACCIDENT” shall for the purpose of this Policy, mean any unforeseen, uncontrollable and sudden event which leads to material damage or bodily injury, including fire and explosion.（二）除外责任2. Exclusions本公司对下列各项不负责赔偿：The Company shall not be liable for:1、因设计错误、铸造或原材料缺陷或工艺不善引起的保险财产本身的损失以及为换置、修理或矫正这些缺点错误所支付的费用；2.1 loss of or damage to the insured items themselves due to faulty design, defective casting or material or bad workmanship and expenses incurred for replacing, repairing or rectifying such defects or mistakes;2、由于超负荷、超电压、碰线、电弧、漏电、短路、大气放电及其他电气原因造成电气设备或电气用具本身的损失；2.2 loss of or damage to the insured electric equipment or apparatus due to overloading, overvoltage, electric line contact, arcing, leakage of electricity, shortcircuiting, electricity discharged from atmosphere and other electric phenomena;3、施工用机具、设备、机械装置失灵造成的本身损失；2.3 loss of or damage to the construction plant and equipment not caused by exterior influence;4、自然磨损、内在或潜在缺陷、物质本身变化、自燃、自热、氧化、锈蚀、渗漏、鼠咬、虫蛀、大气（气候或气温）变化、正常水位变化或其他渐变原因造成的保险财产自身的损失和费用；2.4 loss of or damage to the insured items themselves 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;5、维修保养或正常检修的费用；2.5 expenses of maintenance or upkeep or normal overhaul;6、档案、文件、帐薄、票据、现金、各种有价证券、图表资料及包装物料的损失；2.6 loss of or damage to files, documents, account books, bills, cash, securities, charts, data and packing materials;7、盘点时发现的短缺；2.7 shortage discovered at the time of taking an inventory;8、领有公共运输行驶执照的，或已由其他保险予以保障的车辆、船舶和飞机的损失；2.8 loss of or damage to vehicles, ship or aircraft licensed for general transport use or having been covered by any other insurance;9、除非另有约定，在保险工程开始以前已经存在或形成的位于工地范围内或其周围的属于被保险人的财产的损失；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 erection work;10、除非另有约定，在本保险单保险期限终止以前，保险财产中已由工程所有人签发完工验收证书或验收合格或实际占有或使用或接收的部分。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.二、第二部分 第三者责任险. SECTION -THIRD PARTY LIABILITY（一）责任范围1.Coverage1、在本保险期限内，因发生与本保险单所承保工程直接相关的意外事故引起工地内及邻近区域的第三者人身伤亡、疾病或财产损失，依法应由被保险人承担的经济赔偿责任，本公司按下列条款的规定负责赔偿。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 erection work insured and happening on or in the vicinity of the site during the period of insurance.2、对被保险人因上述原因而支付的诉讼费用以及事先经本公司书面同意而支付的其他费用，本公司亦负责赔偿。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.3、本公司对每次事故引起的赔偿金额以法院或政府有关部门根据现行法律裁定的应由被保险人偿付的金额为准。但在任何情况下，均不得超过本保险单明细表中对应列明的每次事故赔偿限额。在本保险期限内，本公司在本保险单项下对上述经济赔偿的最高赔偿责任不得超过本保险单明细表中列明的累计赔偿限额。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.（二）除外责任2. Exclusions本公司对下列各项不负责赔偿：The Company shall not be liable for:1、本保险单物质损失项下或本应在该项下予以负责的损失及各种费用；2.1 loss or damage and expenses covered or coverable under Section I of this Policy;1）工程所有人、承包人或其他关系方或他们所雇用的在工地现场从事与工程有关工作的职员、工人以及他们的家庭成员的人身伤亡或疾病；2.2.1 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）工程所有人、承包人或其他关系方或他们所雇用的职员、工人所有的或由其照管、控制的财产发生的损失；2.2.2 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;3）领有公共运输行驶执照的车辆、船舶、飞机造成的事故；2.2.3 any accident caused by vehicles, ship or aircraft licensed for general transport use;4）被保险人根据与他人的协议应支付的赔偿或其他款项，但即使没有这种协议，被保险人仍应承担的责任不在此限。2.2.4 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.三、总除外责任. GENERAL EXCLUSIONS在本保险单项下，本公司对下列各项不负责赔偿：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:（一）1、战争、类似战争行为、敌对行为、武装冲突、恐怖活动、谋反、政变引起的任何损失、费用和责任；1.1 war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup detat;2、政府命令或任何公共当局的没收、征用、销毁或毁坏；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;3、罢工、暴动、民众骚乱引起的任何损失、费用和责任；1.3 strike, riot, civil commotion;（二）被保险人及其代表的故意行为或重大过失引起的任何损失、费用和责任；2. intentional act or gross negligence of the Insured or his representative;（三）核裂变、核聚变、核武器、核材料、核幅射及放射性污染引起的任何损失、费用和责任；3. nuclear fission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiation and radioactive contamination;（四）大气、土地、水污染及其他各种污染引起的任何损失、费用和责任；4. pollution of any kind or description whatsoever such as atmosphere, land and water pollutions;（五）工程部分停工或全部停工引起的任何损失、费用和责任；5. cessation of work whether total or partial;（六）罚金、延误、丧失合同及其他后果损失；6. consequential loss of any kind or description whatsoever including penalties, losses due to delay or loss of contract;（七）保险单明细表或有关条款中规定的应由被保险人自行负担的免赔额。7. the deductibles stated in the Schedule to be borne by the Insured.四、保险金额. SUM INSURED（一）本保险单明细表中列明的保险金额应不低于：1. It is a basic requirement of this insurance that the sums insured stated in the Schedule shall not be less than:1、安装工程保险工程安装完成时的总价值，包括设备费用、原材料费用、安装费、建造费、运输费和保险费、关税、其他税项和费用，以及由工程所有人提供的原材料和设备的费用；1.1 For erection work-the full value of the insured project at the completion of the erection including cost of equipments, materials, erection and construction, freight and premium, customs duty, any other dues and expenses, and the cost of materials or equipments supplied by the Principal;2、施工用机器、装置和机械设备重置同型号、同负载的新机器、装置和机械设备所需的费用；1.2 For construction plant and equipment-the replacement cost of the insured items by new ones of the same size and same capacity;3、其他保险项目由被保险人与本公司商定的金额。1.3 For other Items Insured-the sums agreed upon between the Insured and the Company.（二）若被保险人是以保险工程合同规定的工程概算总造价投保，被保险人应：2. If the sum insured in respect of erection work is based on the estimated contract value stated in the erection contract, the Insured shall:1、在本保险项下工程造价中包括的各项费用因涨价或升值原因而超出原保险工程造价时，必须尽快以书面通知本公司，本公司据此调整保险金额；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、在保险期限内对相应的工程细节作出精确记录，并允许本公司在合理的时候对该项记录进行查验；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;3、若保险工程的安装期超过三年，必须从本保险单生效日起每隔十二个月向本公司申报当时的工程实际投入金额及调整后的工程总造价，本公司将据此调整保险费；2.3 if the erection 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;4、在本保险单列明的保险期限届满后三个月内向本公司申报最终的工程总价值，本公司据此以多退少补的方式对预收保险费进行调整。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.否则，针对以上各条，本公司将视为保险金额不足，一旦发生本保险责任范围内的损失时，本公司将根据本保险单总则中第（六）款的规定对各种损失按比例赔偿。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 Coverage, the indemnification shall be made proportionately according to the Provision （6） of the General Conditions of this Policy. 五、保险期限. PERIOD OF INSURANCE（一）安装期物质损失及第三者责任保险：1.Material Damage and Third Party Liability Insurance during the Erection Period:1、本公司的保险责任自保险工程在工地动工或用于保险工程的材料、设备运抵工地之时起始，至工程所有人对部分或全部工程签发完工验收证书或验收合格，或工程所有人实际占有或使用或接收该部分或全部工程之时终止，以先发生者为准。但在任何情况下，安工期保险期限的起始或终止不得超出本保险单明细表中列明的安工期保险生效日或终止日。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 project 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.2、不论安装的保险设备的有关合同中对试车和考核期如何规定，本公司仅在本保险单明细表中列明的试车和考核期限内对试车和考核所引发的损失、费用和责任负责赔偿；若保险设备本身是在本次安装前已被使用过的设备或转手设备，则自其试车之时起，本公司对该项设备的保险责任即行终止。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 equipments shall, however, cease immediately on the commencement of the test.3、上述保险期限的展延，须事先获得本公司的书面同意，否则，从本保险单明细表中列明的安工期保险期限终止日起至保证期终止日止期间内发生的任何损失、费用和责任，本公司不负责赔偿。1.3 Any extensions of the period of insurance shall be subject to the Companys 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 erection period stated in the Schedule to the expiry date of the maintenance period specified below.（二）保证期物质损失保险：2. Material Damage Insurance during the Maintenance Period保证期的保险期限与工程合同中规定的保证期一致，从工程所有人对部分或全部工程签发完工验收证书或验收合格，或工程所有人实际占有或使用或接收该部分或全部工程时起算，以先发生者为准。但在任何情况下，保证期的保险期限不得超出本保险单明细表中列明的保证期。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.六、赔偿处理. TREATMENT OF CLAIM（一）对保险财产遭受的损失，本公司可选择以支付赔款或以修复、重置受损项目的方式予以赔偿，但对保险财产在修复或重置过程中发生的任何变更、性能增加或改进所产生的额外费用，本公司不负责赔偿。1. The Company shall, at its option, indemnify the Insured in respect of loss of or damage to the insured property either by way of payment in cash or by way of repair or replacement of the items lost or damaged; nevertheless, the extra cost of any alterations, additions or improvements occurring in the course of repair or replacement shall not be recoverable under this Policy.（二）在发生本保险单物质损失项下的损失后，本公司按下列方式确定赔偿金额：2. In case of any loss or damage recoverable under the Section I of the Policy, the Company shall ascertain the amount of indemnity on the following basis:1、可以修复的部分损失以将保险财产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。但若修复费用等于或超过保险财产损失前的价值时，则按下列第2项的规定处理；2.1 In case of damage which can be