产品责任险附加条款英文.docx
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产品责任险附加条款英文.docx
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产品责任险附加条款英文
01.ClaimMadeBasisClause
以索赔提出为基础批单(期内索赔式)
Itisherebyagreedandamended:
1.Thisinsuranceapplyto"bodilyinjury"and"propertydamage"resultingfromanoccurrencewhichfirstcommencesonandaftertheretroactivedatedesignatedinschedule,onlyif:
(1)Aclaimfordamagebecauseof"bodilyinjury"and"propertydamage"isfirstmadeinwritingagainstanyinsuredduringthepolicyperiodand
(2)AnyinsureddidnotknoworcouldnothavereasonablyforeseensuchoccurrenceattheeffectivedateofthisPolicy.
2.Asusedinthisendorsement:
(1)"Aclaim"byapersonororganizationseekingdamagewillbedeemedtohavebeenmadewhenwrittennoticeofsuchclaimisreceivedbyanyinsuredorbytheCompany,whichevercomesfirst;
(2)"Allclaim"fordamagebecauseof"bodilyinjury"tothesamepersonasaresultofanoccurrence,willbedeemedtohavebeenmadeatthetimethefirstofthoseclaimsismadeagainstanyinsured;
(3)"Allclaim"fordamagebecauseof"propertydamaged"causinglosstothesamepersonororganizationasaresultofanoccurrence,willbedeemedtohavemadeatthetimethefirstofthoseclaimismadeagainstanyinsured.
02.OccurrenceBasisClause“日落条款”
以事故发生为基础批单(期内发生式)
Itisherebyagreedandamended:
1.Thisinsuranceappliesto“bodilyinjury”and/or“propertydamage”resultingfromanoccurrencewhichhappensduringthepolicyperioddescribedintheschedule,onlyif:
(1)Aclaimfordamagebecauseof“bodilyinjury”and/or“propertydamage”isfirstmadeinwritingagainsttheinsurerofthisPolicybyanyinsuredbefore(areportingtimelimitnotexceed5yearsfrominception)and
(2)AnyinsureddidnotknoworcouldnothavereasonablyforeseensuchoccurrenceattheeffectivedateofthisPolicy.
2.Asusedinthisendorsement:
(1)“Aclaim”byapersonororganizationseekingdamagewillbedeemedtohavebeenmadewhenwrittennoticeofsuchclaimisreceivedbytheinsurer;
(2)“Allclaim”fordamagebecauseof“bodilyinjury”tothesamepersonasaresultofanoccurrence,willbedeemedtohavebeenmadeatthetimethefirstofthoseclaimsismadeagainsttheinsurer;
(3)“Allclaim”fordamagebecauseof“propertydamage”causinglosstothesamepersonororganizationasaresultofanoccurrence,willbedeemedtohavemadeatthetimethefirstofthoseclaimismadeagainsttheinsurer.
03.AllCostwithintheLimitofIndemnitysubjecttoSelfInsuredRetention
所有索赔处理费用(适用自负额)包含在赔偿限额内
Itisagreedthatthesupplementarypaymentsunderthepolicyarewithinthelimitsofinsuranceshowninthedeclarations.
Ourrightanddutytodefendceasewhenwehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgements,settlementsorsupplementarypayments.
OurobligationtopaythesupplementarypaymentsappliesonlyinexcessofanySelfInsuredRetentionamountsstatedintheDeclarations.
SELF-INSUREDRETENTION(PERCLAIM)
1.Inconsiderationofthepremiumcharged,itisagreedtheLimitsofInsuranceforeachofthecoverage’sprovidedbythispolicywillapplyexcessofaUS$50,000.00perclaim.Self-InsuredRetention(hereinafterreferredtoasthe“RetentionAmount”).
TheRetentionAmount:
(a)shallapplyonlyto“occurrences”coveredunderthispolicy,and
(b)shallapplyseparatelytoeachclaimarisingoutofsuch:
“occurrence”,and
(c)shallincludeallSupplementaryPaymentofpolicy
Yourbankruptcy,insolvencyorinabilitytopaytheRetentionAmountshallnotincreaseourobligationunderthispolicy.
2.Weshallhavetherightbutnotthedutytoparticipatewithyouatourownexpenseinthedefenseorsettlementofanyclaimorsuitseekingdamagescoveredunderthispolicy.Intheeventofaclaimorsuitwhichinourreasonablejudgmentmayresultinpayments,includingsupplementarypayments,inanamountinexcessoftheretentionamount,wemayassumecontrolofthedefenseorsuchclaimofsuit.Youwillcontinuetoberesponsibleforthepaymentoftheretentionamount.
3.Intheeventthereisanyotherinsurance,whetherornotcollectible,applicabletoan“occurrence”,claimorsuitwithintheretentionamount,youwillcontinuetoberesponsibleforthefullretentionamountbeforethelimitsofinsuranceunderthispolicyapply.
04.Employees'BodilyInjuryExclusion
雇员身体伤害除外条款(或称为雇主责任除外条款)
NotwithstandinganythingtothecontrarycontainedinthisPolicy,itisagreedthatthisPolicyshallnotapplytoanyliabilityforbodilyinjury,sickness,disease,occupationaldisease,disability,shock,mentalanguishormentalinjury,includingdeathatanytimeresultingtherefrom,sustainedbyanemployeeoftheInsured,andarisingoutofandinthecourseofhisemploymentbytheInsured.
SubjectotherwisetothetermsexceptionsandconditionsofthePolicy.
05.Punitive/ExemplaryDamageExclusion
惩罚性赔偿/罚金除外条款
Itisagreedthatsuchcoverageasisaffordedbythispolicyshallnotapplytofines,penalties,punitiveorexemplarydamagesagainstthenamedinsured.
06.WarandTerrorismExclusion
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)
Itisherebydeclaredandagreedthatthisendorsementmodifiesinsuranceprovidedunderthefollowing:
Underany“Exclusions”Section,Warisdeletedinitsentiretyandreplacedwiththefollowing:
“Bodilyinjury”,“propertydamage”“personalinjury”or“advertisinginjury”duetowar,whetherornotdeclared,oranyactorconditionincidenttowar.Warincludescivilwar,insurrection,invasion,actofforeignenemy,civilcommotion,factionalcivilcommotion,militaryorusurpedpower,rebellionorrevolution.
All“Exclusions”Sections,isamendedwiththeadditionofthefollowingexclusion:
“Bodilyinjury”or“propertydamage”arisingdirectlyorindirectlyasaresultoforinconnectionwith“terrorism”including,butnotlimitedto,anycontemporaneousorensuing“bodilyinjury”or“propertydamage”causedbyfire,lootingortheft.
“Terrorism”meanstheuseorthreateneduseofforceorviolenceagainstpersonorproperty,orcommissionofanactdangeroustohumanlifeorproperty,orcommissionofanactthatinterfereswithordisruptsanelectronicorcommunicationsystem,undertakenbyanypersonorgroup,whetherornotactingonbehalfoforinconnectionwithanyorganization,government,power,authorityormilitaryforce,whentheeffectistointimidateorcoerceagovernment,thecivilianpopulationoranysegmentthereof,ortodisruptanysegmentoftheeconomy.
TerrorismshallalsoincludeanyactwhichisverifiedorrecognizedbytheUnitedStatesGovernmentasanactofterrorism.
Allothertermsandconditionsofthepolicyremainthesame.
07.AbsolutePollutionExclusion
绝对污染除外条款
NotwithstandinganythingtothecontrarycontainedinthisPolicy,itisagreedthatthispolicyshallnotapply:
A.Toanypersonalinjuryorpropertydamagearisingoutoftheactualorthreateneddischarge,dispersal,releaseorescapeofpollutions,anywhereintheworld;
B.Toanyloss,costorexpensearisingoutofanygovernmentaldirectionorrequestthattheinsured,thecompanyoranyotherpersonororganizationtestfor,monitor,cleanup,remove,contain,treat,detoxifyorneutralizepollution.
C.Toanyloss,costorexpense,includingbutnotlimitedtocostsofinvestigationorattorney’sfees,incurredbyagovernmentunitoranyotherpersonororganizationtotestfor,monitor,cleanup,remove,contain,treat,detoxifyorneutralizepollutions.
“Pollutions”meansanysolid,liquid,gaseousorthermalirritantorcontaminant,includingsmoke,vapor,soot,fumes,acids,alkalis,chemicalsandwastematerials.Wastematerialsincludematerialswhichareintendedtobeorhavebeenrecycledreconditionedorreclaimed.
Further,shouldtheunderlyinglimitsbecomeimpairedorexhaustedforclaim(s)payment(s)and/orlossadjustmentexpense(s)excludedbythisendorsement,coverageprovidedbythispolicywillnotdropdownovertheimpairedorexhaustedunderlyinglimits,however,thepolicywillcontinuetorespondforcoveredclaimsinexcessofthelimitsstatedinthedeclarationpageasunderlying.
SubjectotherwisetothetermsexceptionsandconditionsofthisPolicy.
08.AbsoluteAsbestosExclusion
绝对石棉污染除外条款
NotwithstandinganythingtothecompanycontainedinthisPolicy,itisagreedthatthispolicyshallnotapply:
A.Toanyliabilityforpropertydamage,personalinjury,sickness,disease,occupationdisease,disability,shock,death,mentalanguishormentalinjuryatanytimearisingourofthemanufactureof,miningof,useof,saleof,installationof,removalof,distributionof,orexposuretoasbestos,asbestosproducts,asbestosfibersorasbestosdust;
B.Toanyobligationoftheinsuredtoindemnifyanypartybecauseofdamagesarisingourofsuchpropertydamage,personalinjury,sickness,disease,occupationdisease,disability,shock,death,mentalanguishormentalinjuryatanytimeasaresultofthemanufactureof,miningof,useof,saleof,installationof,removalof,distributionoforexpensetoasbestos,asbestosproducts,asbestosfibersorasbestosdust;
C.Toanyobligationtodefendanysuitorclaimagainsttheinsuredallegingpersonalinjury,orpropertydamage,ifsuchsuitorclaimarisesfrompersonalinjuryorpropertydamageresultingfromorcontributedto,byanyandallmanufactureof,miningof,useof,saleof,installationof,removalof,distributionof,orexposuretoasbestos,asbestosproducts,asbestosfibersorasbestosdust.
Further,shouldtheunderlyinglimitsbecomeimpairedorexhaustedforclaim(s)payment(s)and/orlossadjustmentsexpense(s)excludedbythisendorsement,coverageprovidedbythispolicywillnotdropdownovertheimpairedorexhaustedunderlyinglimits,however,thepolicywillcontinu
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