产品责任附加险涉外中英文版本.doc

备注：中文仅供参考。

01. Claim Made Basis Clause
以索赔提出为基础批单（期内索赔式）
It is hereby agreed and amended:
1. This insurance apply to "bodily injury" and "property damage" resulting from an occurrence which first commences on and after the retroactive date designated in schedule, only if:
(1)A claim for damage because of "bodily injury" and "property damage" is first made in writing against any insured during the policy period and
(2) Any insured did not know or could not have reasonably foreseen such occurrence at the effective date of this Policy.
2. As used in this endorsement:
(1) "A claim" by a person or organization seeking damage will be deemed to have been made when written notice of such claim is received by any insured or by the Company, whichever comes first;
(2) "All claim" for damage because of "bodily injury" to the same person as a result of an occurrence, will be deemed to have been made at the time the first of those claims is made against any insured;
(3) "All claim" for damage because of "property damaged" causing loss to the same person or organization as a result of an occurrence, will be deemed to have made at the time the first of those claim is made against any insured.

1、以索赔提出为基础批单（期内索赔式）
兹经双方同意修正：
（1）本保险仅在下列条件下适用于在本保险单明细表中列明的追溯期开始后发生的事故引起的“人身伤害”和“财产损失”：
1）由于“人身伤害”和“财产损失”引起的任何索赔，必须在本保险单有效期限内以书面形式向任一被保险人提出第一次索赔；
2）任何被保险人在本保险单生效之日对事故的发生都不知情或不能合理预见；
（2）批单中“任何索赔”和“全部索赔”含义如下：
1）任何个人或组织寻求损失补偿的“任何索赔”，在任一被保险人或公司收到书面通知后（以先收到为准），即视为该索赔已经提出；
2）同一个人在一次事故中因人身伤害而向任何一个被保险人第一次提出索赔时，即被视为“全部索赔”已经提出；
3）同一个人或组织在一次事故中因财产损失而向任何一个被保险人第一次提出索赔时，即被视为“全部索赔”已经提出。

02. Occurrence Basis Clause “日落条款”
以事故发生为基础批单（期内发生式）
It is hereby agreed and amended:
1. This insurance applies to “bodily injury” and/or “property damage” resulting from an occurrence which happens during the policy period described in the schedule, only if:
(1)A claim for damage because of “bodily injury” and/or “property damage” is first made in writing against the insurer of this Policy by any insured before a reporting time limit not exceed 5 years from inception and
(2)Any insured did not know or could not have reasonably foreseen such occurrence at the effective date of this Policy.
2. As used in this endorsement:
(1)“A claim” by a person or organization seeking damage will be deemed to have been made when written notice of such claim is received by the insurer;

(2)“All claim” for damage because of “bodily injury” to the same person as a result of an occurrence, will be deemed to have been made at the time the first of those claims is made against the insurer;
(3)“All claim” for damage because of “property damage” causing loss to the same person or organization as a result of an occurrence, will be deemed to have made at the time the first of those claim is made against the insurer.

2、以事故发生为基础批单（期内发生式）
兹经双方同意修正：
（1）本保险仅在下列条件下适用于在本保险单明细表中列明的保险期限内发生的事故引起的“人身伤害”和/或“财产损失”：
1）由于“人身伤害”和/或“财产损失”引起的任何赔偿请求，被保险人必须首先以书面形式向保险人提出（请求提出时间从保单起保之日起不得超过5年）；
2）任何被保险人在本保险单生效之日对事故的发生都不知情或不能合理预见；
（2）批单中“任何索赔”和“全部索赔”含义如下：
1）任何个人或组织寻求损失补偿的“任何索赔”，在保险人收到书面通知后，即视为该索赔已经提出；
2）同一个人在一次事故中因人身伤害而向保险人第一次提出索赔时，即被视为“全部索赔”已经提出；
3）同一个人或组织在一次事故中因财产损失而向保险人第一次提出索赔时，即被视为“全部索赔”已经提出。

03. All Cost within the Limit of Indemnity subject to Self Insured Retention
所有索赔处理费用（适用自负额）包含在赔偿限额内
It is agreed that the supplementary payments under the policy are within the limits of insurance shown in the declarations.
Our right and duty to defend cease when we have used up the applicable limit of insurance in the payment of judgments, settlements or supplementary payments.
Our obligation to pay the supplementary payments applies only in excess of any Self Insured Retention amounts stated in the Declarations.

SELF-INSURED RETENTION (PER CLAIM)
1. In consideration of the premium charged, it is agreed the Limits of Insurance for each of the coverage’s provided by this policy will apply excess of a US$50,000.00 per claim. Self-Insured Retention (hereinafter referred to as the “Retention Amount”).
The Retention Amount:
(a) shall apply only to “occurrences” covered under this policy , and
(b) shall apply separately to each claim arising out of such : “occurrence”, and
(c) shall include all Supplementary Payment of policy
Your bankruptcy, insolvency or inability to pay the Retention Amount shall not increase our obligation under this policy.
2. We shall have the right but not the duty to participate with you at our own expense in the defense or settlement of any claim or suit seeking damages covered under this policy. In the event of a claim or suit which in our reasonable judgment may result in payments, including supplementary payments, in an amount in excess of the retention amount, we may assume control of the defense or such claim of suit. You will continue to be responsible for the payment of the retention amount.
3. In the event there is any other insurance, whether or not collectible, applicable to an “occurrence”, claim or suit within the retention amount, you will continue to be responsible for the full retention amount before the limits of insurance under this policy apply.

3、所有索赔处理费用（适用自负额）包含在赔偿限额内
兹经双方同意，保单项下补充费用限制在保险清单约定的范围内。
当我们用尽保险适用范围内用以支付诉讼、调解或其他补充的费用，我们抗辩的权利和义务终止。
我们支付补充费用的义务仅适用于超过清单中所述自负额部分。

自负额（每一赔偿请求）
1、考虑到收取的费用，兹经双方同意本保单规定的每一承保范围的保险限制将适用于每一赔偿请求超过50000美金部分。
自负额是指自留额。
自留额：
（a）仅适用于本保单承保的保险事故，以及
（b）分别适用于保险事故引起的每一次赔偿请求，以及
（c）包括所有的保单补充费用
在本保单下你方的破产、清盘或无力支付自留额不会增加我方的赔偿责任。
2、我方有权利但不是义务和你方一同参与抗辩或解决本保单承保的任何赔偿请求或诉讼，费用由我方自理。如果我方看来是合理判决的赔偿请求或诉讼导致赔款支付，包括补充费用，数额超过自留额，我方会设法控制此类抗辩或诉讼。你方将继续负责支付自留额。
3、如果存在适用于保险事故的其他保险，不论是否可以使用，赔偿请求或诉讼在自留额范围内，你方在本保单项下保险限额运用前将继续负责全部自留额。

04. Employees' Bodily Injury Exclusion
雇员身体伤害除外条款（或称为雇主责任除外条款）
Notwithstanding anything to the contrary contained in this Policy, it is agreed that this Policy shall not apply to any liability for bodily injury, sickness, disease, occupational disease, disability, shock, mental anguish or mental injury, including death at any time resulting therefrom, sustained by an employee of the Insured, and arising out of and in the course of his employment by the Insured.
Subject otherwise to the terms、 exceptions and conditions of the Policy.

4、雇员身体伤害除外条款（或称为雇主责任除外条款）
不管在此保单里有任何相反的规定，兹经双方同意，本保险单对被保险人雇员出于工作原因及在工作过程中遭受的身体伤害、身体不适、疾病、职业病、残疾、惊吓、精神痛苦或精神创伤，以及死亡不负任何赔偿责任。

本保险单所载其他条件不变。

05. Punitive/Exemplary Damage Exclusion
惩罚性赔偿/罚金除外条款
It is agreed that such coverage as is afforded by this policy shall not apply to fines, penalties, punitive or exemplary damages against the named insured.

5、惩罚性赔偿/罚金除外条款
兹经双方同意，本保险单的承保范围不适用于对名义上被保险人的罚金、罚款及惩罚性赔偿进行赔偿。

06. War and Terrorism Exclusion
战争及恐怖主义除外条款（采用美国政府对恐怖主义之定义）
It is hereby declared and agreed that this endorsement modifies insurance provided under the following:

Under any “Exclusions” Section, War is deleted in its entirety and replaced with the following:
“Bodily injury”, “property damage” or “personal injury” due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, invasion, act of foreign enemy, civil commotion, factional civil commotion, military or usurped power, rebellion or revolution.

All “Exclusions” Sections, is amended with the addition of the following exclusion:

“Bodily injury” or “property damage” arising directly or indirectly as a result of or in connection with “terrorism” including, but not limited to, any contemporaneous or ensuing “bodily injury” or “property damage” caused by fire, looting or theft.

“Terrorism” means the use or threatened use of force or violence against person or property, or commission of an act dangerous to human life or property, or commission of an act that interferes with or disrupts an electronic or communication system, undertaken by any person or group, whether or not acting on behalf of or in connection with any organization, government, power, authority or military force, when the effect is to intimidate or coerce a government, the civilian population or any segment thereof, or to disrupt any segment of the economy.

Terrorism shall also include any act which is verified or recognized by the United States Government as an act of terrorism.

All other terms and conditions of the policy remain the same.

6、战争及恐怖主义除外条款
兹经双方同意声明，批单在下列条件下可以对保单进行修改：
在任何“除外条款”部分，战争完全被删除而被下列词语所替代：
战争、武装行动、战争状态造成的“身体伤害”，“财产损失”，“个人伤害”。战争包括内战，起义，入侵，外国人敌对行为，国内暴乱，国内党派斗争引起的暴乱，军事政变，叛乱或革命。
所有“除外条款”部分可以以下列除外责任为补充进行修改：
由于恐怖主义或与恐怖活动有关的直接或间接造成的“身体伤害”或“财产损失”包括，但不限于，因为火灾、抢劫、或偷盗引起的“人身伤害”或“财产损失”。
“恐怖主义”指任何个人或团体，无论其是否代表或与任何组织、政府、政权、权力机构、或军事武装力量有联系，对人身或财产使用或威胁性的使用武装或暴力，或对人的生命或财产产生危险的行为，或干扰或破坏电力或通信系统的行为，且这些行为确实威胁或胁迫了政府，人民群众的利益，或扰乱了经济。
“恐怖主义”还应包括美国政府认为是恐怖主义的行为。

本保险单所载其他措辞和条件不变。

07. Absolute Pollution Exclusion
绝对污染除外条款
Notwithstanding anything to the contrary contained in this Policy, it is agreed that this policy shall not apply:
A. To any personal injury or property damage arising out of the actual or threatened discharge, dispersal, release or escape of pollutions, anywhere in the world;
B. To any loss, cost or expense arising out of any governmental direction or request that the insured, the company or any other person or organization test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollution.
C. To any loss, cost or expense, including but not limited to costs of investigation or attorney’s fees, incurred by a government unit or any other person or organization to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutions.

“Pollutions” means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste materials. Waste materials include materials which are intended to be or have been recycled reconditioned or reclaimed.

Further, should the underlying limits become impaired or exhausted for claim(s) payment(s) and/or loss adjustment expense(s) excluded by this endorsement, coverage provided by this policy will not drop down over the impaired or exhausted underlying limits, however, the policy will continue to respond for covered claims in excess of the limits stated in the declaration page as underlying.

Subject otherwise to the terms, exceptions and conditions of this Policy.

7、绝对污染除外条款
不管在此保单里有任何相反的规定，兹经双方同意，本保险单不能适用于：
（1）由于世界上任何地方实际的或可能的污染物排放、释放、溢出造成的任何人身伤害或财产损失；
（2）根据政府指引或要求，被保险人、公司或任何个人或组织对污染进行测试、监控、整理、清理、治理、解毒或中和而产生的损失或费用；
（3）政府、个人或组织对污染进行测试、监控、整理、清理、治理、解毒或中和而产生的任何损失或费用，包括但不限于调查费用、律师费；

污染是指任何固体的、液体的、气态的或热的刺激物或污染物，包括烟尘、水蒸气、烟灰、烟、酸性物质、碱金属、化学物质和消耗物质。消耗物质包括将要或已经循环回收的物质。

另外，一旦已经存在的责任限制条款由于本批单规定了请求赔付和/或损失赔偿为除外责任而变得执行力衰退或疲乏，本保单的承保范围将不会减少到执行力衰退或疲乏的责任限制条款，而是，将继续对超过清单中特约条款部分承担赔偿责任。

本保险单所载其他条件不变。

08. Absolute Asbestos Exclusion
绝对石棉污染除外条款
Notwithstanding anything to the company contained in this Policy, it is agreed that this policy shall not apply:

A. To any liability for property damage, personal injury, sickness, disease, occupation disease, disability, shock, death, mental anguish or mental injury at any time arising our of the manufacture of, mining of, use of, sale of ,installation of, removal of, distribution of, or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust;
B. To any obligation of the insured to indemnify any party because of damages arising our of such property damage, personal injury, sickness, disease, occupation disease, disability, shock, death, mental anguish or mental injury at any time as a result of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of or expense to asbestos, asbestos products, asbestos fibers or asbestos dust;
C. To any obligation to defend any suit or claim against the insured alleging personal injury, or property damage, if such suit or claim arises from personal injury or property damage resulting from or contributed to, by any and all manufacture of, mining of, use of, sale of, installation of, removal of, distribution of, or exposure to asbestos, asbestos products, asbestos fibers or asbestos dust.

Further, should the underlying limits become impaired or exhausted for claim(s) payment(s) and/or loss adjustments expense(s) excluded by this endorsement, coverage provided by this policy will not drop down over the impaired or exhausted underlying limits, however, the policy will continue to respond for covered claims in excess if the limits stated in the declaration page as underlying.

Subject otherwise to the terms, exceptions and conditions of this policy.

8、绝对石棉污染除外条款
兹经双方同意，本保险单不能适用于：
（1）任何时候由于生产、挖掘、使用、销售、安装、清理、分发、暴露于石棉、石棉产品、石棉纤维、石棉尘埃而造成人身伤害、财产损失、身体不适、疾病、职业病、残疾、受惊、死亡、精神上的痛苦或创伤的赔偿责任；
（2）被保险人对其他人因生产、挖掘、使用、销售、安装、清理、分发、暴露于石棉、石棉产品、石棉纤维、石棉尘埃而造成的人身伤害、财产损失、身体不适、疾病、职业病、残疾、受惊、死亡、精神上的痛苦或创伤的赔偿责任；
（3）对被保险人因生产、挖掘、使用、销售、安装、清理、分发、暴露于石棉、石棉产品、石棉纤维、石棉尘埃而遭受人身伤害或财产损失主张赔偿的诉讼请求进行辩护产生的任何责任。

另外，一旦已经存在的责任限制条款由于本批单规定了请求赔付和/或损失赔偿为除外责任而变得执行力衰退或疲乏，本保单的承保范围将不会减少到执行力衰退或疲乏的责任限制条款，而是，将继续对超过清单中特约条款部分承担赔偿责任。

本保险单所载其他条件不变。

09. Nuclear Energy Liability Exclusion
核能责任除外条款
It is hereby understood and agreed that notwithstanding anything to the contrary contained in this policy, the insurance is subject to the Nuclear Energy Liability Exclusion as follows:

1. The insurance dose not apply:
A. Under any Liability Coverage to Bodily Injury or Property Damage:
(1) With respect to which an Insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance ASSOCIATION, mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or
(2) Resulting from the Hazardous Properties of Nuclear Material and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the Insured is, or had this policy not been issued would be entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United Stated of America, or any agency thereof, with any person or organization.
B. Under any Medical Payments coverage, to expenses incurred with respect to Bodily Injury resulting from the Hazardous Properties of Nuclear Material and arising out of the operation of a Nuclear Facility by any person or organization.
C. Under any Liability Coverage, to Bodily Injury or Property Damage resulting from the Hazardous Properties of Nuclear Material:
(1) The Nuclear Material (a) is at any Nuclear Facility owned by, or operated by or on behalf of, an Insured or (b) has been discharged or dispersed therefrom;
(2) The Nuclear Material is contained in Spent Fuel or Waste at any time possessed, handled, used, processed,