平安保险董事及高级职员责任险保单、条款、投保单.doc

董事、监事及髙级管理人员职业责任保险条款总则第一条本保险合同山保险条款、投保单、保险单、保险凭证以及批单组成。

凡涉及本保险合同的约定，均应采用书面形式。

第二条凡依照中华人民共和国法律（以下简称'‘依法”）设立的上市公司的董事、监事及公司章程中规定的高级管理人员，均可作为本保险的被保险人。

保险责任第三条在本保险单明细表中列明的保险期限或追溯期及承保区域范围内，被保险人在履行董事、监事及高级管理人员的职责时，因过失导致在公司公告招股说明书、公司债券募集办法、财务会计报告、上市报告文件、定期报告（年报、中报、季报）、临时报告中，存在虚假记载、误导性陈述或者有重大遗漏，致使投资者（股东）在证券交易中遭受损失，在本保险期限内，山投资者（股东）首次向被保险人提岀索赔申请，依法应山被保险人承担民事赔偿责任时，保险人根据本保险合同的约定负责赔偿。

发生保险责任范围内的事故后，被保险人为控制或减少损失所支付的必要的、合理的费用，保险人依照本条款规定负责赔偿。

第四条保险责任范圉内的事故发生后，事先经保险人书面同意的法律费用, 包括事故鉴定费、查勘费、取证费、仲裁或诉讼费、案件受理费、律师费等，保险人在约定的限额内也负责赔偿。

责任免除第五条下列原因造成的损失、费用和责任，保险人不负责赔偿：（一）投保人.被保险人的故意行为或非执业行为；（二）由被保险人或以被保险人名义提出的索赔；（三）被保险人以受托人.管理人的身份在管理或经营退休金.年金、分红、职工福利基金或其他职工福利项目时违反职责或合同义务的行为引起的索赔；、’（四）被保险人在所属公司以外的其他组织兼任职务时引起的索赔；（五）在中华人民共和国境外以及港、澳、台地区提起的诉讼；（六）被保险人因获知其他交易者无法得知的内幕消息，而买卖本公司证券的行为；（七）为获取不当利益，而对政府职能部门.社会团体及利益关系人支付款项、佣金.赠与S贿赂的行为；（八）担保行为。

第六条下列各项损失.费用和责任，保险人也不负责赔偿：（一）被保险人对投资者（股东）的身体伤害及有形财产的毁损或灭失;（二）对投资者（股东）的精神伤害；（三）罚款或惩罚性赔款；<H）被保险人与他人签直协议所约定的责任，但不包括没有该协议被保险人仍应承担的民事赔偿责任。

华泰财产保险股份有限公司董（监）事及高级职员责任保险条款（如遇争议，以英文条款为准）鉴于本保险合同承保明细表中列明的投保人/被保险公司或被保险人向华泰财产保险股份有限公司（以下简称“华泰”）提交投保单和有关资料（该投保单及其所附资料中的陈述被视为本保险合同的有效组成部分），并向华泰缴付保险合同保险费，华泰同意按本保险合同的条款、条件、除外责任和责任限额的约定负责赔偿在本保险合同承保明细表中列明的保险期间内被保险人依法对第三者应承担的经济赔偿责任。

1.保险责任在保险期间内，被保险人因本保险合同承保的不当行为而首次被他人提出赔偿请求，被保险人由此依法应负经济赔偿责任时，华泰同意依照本保险合同的约定对被保险人负赔偿责任。

被保险公司如根据有关公司补偿的法律、法规、规则或协议必须先行支付或赔偿被保险人的损失时，华泰对被保险公司的相应损失也负赔偿责任。

2. 定义(a) 行政机关指任何国家、省级或地方政府，政府性或行政性机构、机关或委员会。

(b) 赔偿请求指被保险公司或被指控实施不当行为的被保险人收到任何个人或组织要求被保险人应对其不当行为的结果承担责任的通知，包括被保险人收到将被保险人列为被告而要求其支付金钱或履行义务的请求、或针对被保险人的法律、仲裁、或行政程序。

(c) 被保险公司指保险合同承保明细表第（二）项所载的被保险公司及其任何子公司。

(d) 免赔额指保险合同承保明细表第（五）项所载的金额。

(e) 抗辩费用指经华泰事先书面同意，由被保险人或为被保险人利益而支出的为本保险合同所承保的赔偿请求进行抗辩或上诉所必需且合理的律师费、成本和支出（但不应包括被保险人及被保险公司雇员的工资、薪水或其它任何报酬）。

(f) 发现期间指第三条（f）款中应于本保险合同期限届满后立即起算的12个月期间。

(g) 雇佣行为责任指与被保险公司任何过去、现在或将来的雇员有关的任何事实的或被指控的下列责任：(1) 与雇佣有关的性骚扰或其他非法骚扰；(2) 非法的终止雇佣关系；(3) 与雇佣有关的非法歧视；(4) 违反与雇佣有关的公平公正原则；(5) 涉及被保险公司雇佣条款的不真实或误导性的广告或陈述；(6) 与雇佣有关的诽谤；(7) 不予雇佣、升迁或授予职位；(8) 不公平的剥夺职业发展机会；(9) 不公平的公司规章制度或不公平的工作绩效评估；(10) 未提供或遵循适当的雇佣政策或程序；(11) 违反任何规范雇佣行为的法律或法规；(12) 违反雇佣合同；(13) 与雇佣有关的侵犯隐私。

鉴于本保险单明细表中所列明的投保人向中国平安保险股份有限公司（以下简称“本公司”）提交书面投保申请和有关资料（该投保申请及资料被视作本保险单的有效组成部分），并向本公司缴付了本保险单明细表中列明的保险费，本公司将根据本保险单或与本保险单有关的批单中规定的条款、责任免除、限额和条件事项，负责赔偿在本保险单明细表中列明的保险期限内被保险个人依法对第三者应承担的经济赔偿责任，特立本保险单为凭。

董事及高级职员责任保险单明细表1、被保险公司/投保人：2、被保险个人：3、被保险公司地址：4、每次事故赔偿限额：每次事故诉讼费用包含在每次事故赔偿限额内，不另行计算。

5、累计赔偿限额：累计诉讼费用包含在累计赔偿限额内，不另行计算。

6、每次事故免赔额：适用于保险责任第二条项下发生的索赔（包括诉讼费用）。

7、保险费：8、保险期限：自年月日中午十二时起到年月日中午十二时止9、付费日期：10、溯及日：除非另有约定，本保险承担赔偿责任时，以被保险董事及高级职员引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险董事及高级职员提出索赔为前提。

11、争议解决方式：有关本合同的争议，协商解决不成的，可选择仲裁或依法向人民法院起诉。

如选择仲裁的，应列明指定的仲裁委员会。

日期：_______________________ 中国平安保险股份有限公司（盖章）签单公司地址及电话：__________________（本保单加盖保单专用章后生效）复核：制单：公司董事及高级职员责任保险条款保险责任第一条董事及高级职员责任保险被保险个人在以其被保险个人的身份执行职务的过程中，由于单独或共同的过错行为导致第三者遭受经济损失，依法应由被保险个人承担的经济赔偿责任，且被保险个人不能从被保险公司获得赔偿的，本公司按本保单的约定负责赔偿。

但本公司承担上述赔偿责任时，以被保险个人引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险个人提出索赔为前提。

中国广州农林下路83号广发银行大厦18楼邮政编码：510080电话：（8620）87311888传真：（8620）87310166BusinessGuard – For Directors & OfficersNOTICE: THE POLICY PROVIDES COVERAGE ON A CLAIMS MADE BASIS. COVERAGE IS LIMITED GENERALLY TO LIABILITY FOR ONLY THOSE CLAIMS THAT ARE FIRST MADE AGAINST THE INSURED S AND REPORTED TO THE INSURER DURING THE POLICY PERIOD. PLEASE READ THE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER.SchedulePolicy Number: DOGZxxxxxxItem 1. Policyholder xxxxx Co., LtdAddress xxxItem 2. Policy Period From xxxTo xxx(bothdaysinclusive)Item 3. Limit of Liability XXXA ny one claim and in the annual aggregate for all loss,arising out of all claims made against all insureds underall insurance covers combined (including defense costs) Item 4. Retention Insurance cover B and indemnifiable loss:XXXFor any one claim including any judgments, settlementsor final agreementsAs specified in 5.4 Retention, only one retention shallbe applied for loss arising from any claim or claimsalleging a single wrongful act.Item 5. Premium XXXItem 6. Continuity Dates(i) Pending & Prior litigation: XXX(ii)Pollutionclaims: XXXXItem 7. New Subsidiary XX% of the policyholder’s total assets CoverItem 8. Territorial Scope/ Worldwide including U.S.A./Canada JurisdictionSIGNED FOR AND ON BEHALF OF THE INSURERBY AUTHORIZED REPRESENTATIVE:AMERICAN INTERNATIONAL UNDERWRITERS, LIMITED DATE: XXDIRECTORS & OFFICERS LIABILITY INSURANCEIn consideration of the payment of the premium, the Insurer agrees as follows:Cover1. InsuranceA: Directors and Officers LiabilityInsurer shall pay the Loss of each Insured resulting from any Claim first made against Thethe Insured during the policy period for any Wrongful Act in the Insured’s capacity as a director, officer or employee of the Company except for and to the extent that the Company has indemnified the Insured.B: CorporateReimbursementThe Insurer shall pay the Loss of the Company resulting from any Claim first made against the Insured during the policy period for any Wrongful Act in the Insured’s capacity as a director, officer or employee of the Company but only when and to the extent that the Company has indemnified the Insured for the Loss.Subject to the terms and conditions of this Policy, the Insurer shall advance defense costs resulting from any Claim before its final resolution.2. Definitions2.1 Associated Company means any Company of which the policyholder owns on or before theinception of the policy period more than 20 percent but less than or equal to 50 percent of the issued and outstanding voting shares either directly or indirectly through one or more of its subsidiaries.2.2 Claim means:(i) any suit or proceeding brought by any person or organization against an Insured formonetary damages or other relief, including non-pecuniary relief;(ii) any written demand from any person or organization that it is the intention of the person or organization to hold an Insured responsible for the results of any specifiedWrongful Act;(iii) any criminal prosecution brought against an Insured;(iv) any administrative or regulatory proceeding or official investigation regarding any specified Wrongful Act of an Insured;Any Claim or Claim s arising out of, based upon or attributable to a single Wrongful Act shall be considered to be a single Claim for the purposes of this Policy.2.3 Company means the policyholder specified in Item 1 of the Schedule and any subsidiary,division, sector, region, product group or other internal company structure or segment detailed in an organization chart or similar document and which has been granted this status by the policyholder or any subsidiary before the date of the Wrongful Act.2.4 Continuity date(s)means the date(s) specified in Item 6 of the Schedule. The pending andprior litigation continuity date shall be the date from which the policyholder has maintained uninterrupted cover with the Insurer, or with any other Insurer if the initial proposal form submitted to such Insurer is provided to and accepted by the Insurer at the inception of this policy, or such other date(s) as agreed with the Insurer.2.5 Defense costs means reasonable and necessary fees, costs and expenses incurred with thewritten consent of the Insurer (including premiums for any appeal bond, attachment bond or similar bond, but without obligation to apply for or furnish any bond) resulting solely from the investigation, adjustment, defense and appeal of any Claim but shall not include the salary of any Insured.2.6 Director or officer means any natural person duly appointed or elected as a director or officerof the Company.2.7 Discovery period means the period of time specified in Extension 4.3, immediately followingthe termination of this Policy during which written notice may be given to the Insurer of any Claim first made against the Insured during such period of time for any Wrongful Act occurring prior to the end of the policy period and otherwise covered by this Policy.2.8 Employment Practice Claim means any Claim or series of related Claim s relating to a past,present or prospective employee of the Company and arising out of any actual or alleged unfair or wrongful dismissal, discharge or termination, either actual or constructive, of employment, employment-related misrepresentation, wrongful failure to employ or promote, wrongful deprivation of career opportunities, wrongful discipline; failure to furnish accurate job references; failure to grant tenure or negligent employee evaluation; or sexual or workplace or racial or disability harassment of any kind (including the alleged creation of a harassing workplace environment); or unlawful discrimination, whether direct, indirect, intentional or unintentional, or failure to provide adequate employee policies and procedures.2.9 Full annual premium means the annual premium level in effect immediately prior to the endof the policy period.2.10 Insured means any natural person who was, is, or shall become a director or officer of theCompany, or any natural person who is a trustee of a pension, retirement or provident benefit fund established for the benefit of the employees of the Company.Cover will automatically apply to any natural person who becomes a director or officer after the inception date of this Policy. Insured shall include any employee of the Company, but only for a Claim or Claim s alleging Wrongful Act(s) committed by the employee in a managerial or supervisory capacity. With respect to an Employment Practice Claim only, Insured shall include any past, present or future employee of the Company.2.11 Insurer means AIU Insurance Company Guangzhou Branch.2.12 Loss means damages, judgments, settlements and defense costs; however, Loss shall notinclude civil or criminal fines or penalties imposed by law, non-compensatory damages including punitive or exemplary damages, taxes, any amount for which the Insured is not legally liable or matters which may be considered uninsurable under the law pursuant to which this policy shall be construed. Damages, judgments, settlements and defense costs incurred in more than one Claim against the Insured but resulting from a single Wrongful Act shall constitute a single Loss.2.13 No liability means:(i) a final judgment of no liability obtained prior to trial in favor of all Insured s by reasonof a motion to dismiss or a motion for summary judgment after the exhaustion of allappeals; or(ii) a final judgment of no liability obtained after trial in favor of all Insured s, after the exhaustion of all appeals.In no event shall the term no liability apply to a Claim made against an Insured for which a settlement has occurred.2.14 Not-for-profit entity means an entity registered with the Registrar of Companies underSection 21(1) of the Companies Ordinance (Cap.32) or any similar entity organized under the laws of any other jurisdiction, or a trade association which for the purposes of this policy shall mean a body of persons, whether incorporated or not, which is formed for the purpose of furthering the trade interests of its members, or of persons represented by its members.2.15 Outside entity means any associated Company, any not-for-profit entity or any othercorporation, partnership, joint venture or other organization which has been listed by endorsement to this policy.2.16 Policyholder means the organization specified in Item 1 of the Schedule.2.17 Policy period means the period of time from the inception date to the expiry date specified inItem 2 of the Schedule.2.18 Pollutants include (but are not limited to) any solid, liquid, gaseous or thermal irritant orcontaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes (but is not limited to) material to be recycled, reconditioned or reclaimed.2.19 Security means any note, stock, bond, debenture, evidence of indebtedness, share or otherequity or debt security of the Company, and shall include any certificate of interest or participation in, receipt for, warrant or other right to subscribe to or purchase, voting trust certificate relating to, certificate of deposit for, or other interest in any of the foregoing.2.20 Single Wrongful Act means a Wrongful Act or any related, continuous or repeated WrongfulAct s, whether committed by the Insured individually or by more than one Insured and whether directed to or affecting one or more than one person or legal entity.2.21 Subsidiary means companies in which the policyholder, either directly or indirectly throughone or more of its subsidiaries;(i) controls the composition of the board of directors; or(ii) controls more than half of the voting power; or(iii) holds more than half of the issued share capital.Cover for any Claim against any of the director s, officer s and employees of any subsidiary shall apply only for Wrongful Act(s) committed while such company is a subsidiary of the policyholder. However, upon written request by the policyholder, the Insurer shall consider, after assessment and evaluation of the increased exposure, granting cover for Wrongful Act(s) committed prior to the acquisition of the subsidiary by the policyholder.2.22 Transaction means anyone of the following events:policyholder consolidates with or merges into or sells all or substantially all of its (i) theassets to any other person or entity or group of persons and/or entities acting inconcert; or(ii) any person or entity, whether individually or together with any other person or persons, entity or entities acquires an amount of the outstanding shares representingmore than 50 percent of the voting power for the election of director s of thepolicyholder, or acquires the voting rights for such an amount of the shares.2.23 Wrongful Act means any actual or alleged breach of duty, breach of trust, neglect, error,misstatement, misleading statement, omission, breach of warranty of authority or other act by the director s, officer s or employees in their respective capacities as a director, officer or employee of the company or as a director, or officer of any outside entity, or any matterClaim ed against them solely because of their status as a director , officer or employee of the Company .3. ExclusionsThe Insurer shall not be liable to make any payment for Loss in connection with any Claim made against the Insured :3.1 arising out of, based upon or attributable to:(i) the gaining in fact of any personal profit or advantage to which the Insured was notlegally entitled;(ii) profits in fact made from the purchase or sale by the Insured of securities of theCompany within the meaning of Section 16(b) of the Securities Exchange Act of 1934(USA) and any amendments thereto or similar provisions of any state statutory law;(iii) the committing in fact of any dishonest or fraudulent act.For the purpose of determining the applicability of these exclusions, the Wrongful Act of anyInsured shall not be imputed to any other Insured . These exclusions shall only apply if it is established through a judgment, or any other final adjudication adverse to the Insured , or any admission by an Insured that the relevant conduct did in fact occur;3.2 arising out of, based upon or attributable to the facts alleged or to the same or relatedWrongful Act (s) alleged or contained in any Claim which has been reported or in any circumstances of which notice has been given under any policy of which this policy is a renewal or replacement or which it may succeed in time;3.3 arising out of, based upon or attributable to any pending or prior litigation as of the pendingand prior litigation continuity date specified in Item 6(i) of the Schedule, or alleging or deriving from the same or essentially the same facts as alleged in the pending or prior litigation;3.4 which are brought by or on behalf of any Insured or the Company ; provided, however, thatthis exclusion shall not apply to:(i) any Employment Practice C laim brought by any Insured ;(ii) any Claim brought or maintained by an Insured for contribution or indemnity, if theClaim directly results from another Claim otherwise covered under this Policy;(iii) any shareholder derivative action brought or maintained on behalf of the Company without the solicitation, assistance or participation of any Insured or the Company;Claim brought or maintained by a liquidator, receiver or administrative receiver any(iv)either directly or derivatively on behalf of the Company without the solicitation,assistance or participation of any Insured or the Company;anyClaim brought by an Insured or employee of the Company in their capacities as (v)members or beneficiaries of any pension, retirement or provident benefit fundestablished for the benefit of any director, secretary, executive officer or employee ofthe Company;Claim brought or maintained by any former director, officer or employee of the (vi)anyCompany.3.5 arising out of, based upon or attributable to or in any way involving, directly or indirectly, theactual, alleged or threatened discharge, dispersal, release or escape of pollutants; or any direction or request to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, nuclear material or nuclear waste.Provided, however, that the exclusion shall not apply to any Claim made against the Insured by any shareholder of the Company either directly or derivatively, alleging damage to the Company or its shareholders, unless on or before the pollution continuity date specified in item 6(ii) of the Schedule, the Company, the Insured or any employee of the Company with managerial responsibilities over environmental affairs, control or compliance, knew or could have reasonably foreseen that there existed any situation, circumstance or Wrongful Act which could have given rise to a Claim against the Company, or the Insured.3.6 arising from the actual or alleged violation of any responsibilities, obligations or dutiesimposed by the Employee Retirement Income Security Act of 1974 (USA) or any amendment thereto;3.7 arising out of, based upon or attributable to any act or omission in the Insured’s capacity as adirector or officer of any entity other than the Company, or by reason of the Insured’s status as a director, officer or employee of the other entity, other than as provided in Extension 4.2;3.8 for bodily injury, sickness, disease, death or emotional distress of any person, or damage to ordestruction of any tangible property, including Loss of use thereof; provided, however, that any Claim for emotional distress shall not be excluded with respect to an Employment Practice C laim.4. ExtensionsSubject to all of the terms and conditions of this policy, cover is extended as follows:4.1 New SubsidiariesCover under this policy is extended to any subsidiary which the policyholder acquires or creates after the inception date of this policy provided that the subsidiary has total gross assets which are less than the amount specified in Item 7 of the Schedule(i) either in the United States of America or Canada; and(ii) does not have a listing of any of its securities on any exchange in the United States of America or Canada.If a newly acquired or created subsidiary fails to meet conditions (i) and (ii) above, the policyholder may request an extension of this policy for such subsidiary provided that the policyholder shall give the Insurer sufficient details to permit the Insurer to assess and evaluate the Insurer’s potential increase in exposure. The Insurer shall be entitled to amend the policy terms and conditions, during the policy period, including by the charging of a reasonable additional premium.Unless otherwise agreed, cover as is afforded to the director s, officer s or employees of any subsidiary by virtue of this extension shall only apply for Wrongful Act(s) committed while such company is or was a subsidiary of the policyholder.4.2 Outside DirectorshipsCover includes Loss arising from any Claim made against any Insured who was, is or may become, at the specific request of the Company, a director or officer of any outside entity for any Wrongful Act in the Insured’s capacity as a director or officer of the outside entity.This cover shall be specifically excess of any insurance in force in respect of the outside entity as well as any indemnification provided by the outside entity. If the other insurance is provided by the Insurer or any member company of American International Group (or would be provided except for the application of the retention amount or the exhaustion of the limit of liability), then the total aggregate limit of liability for all Loss covered by virtue of this extension shall be reduced by the limit of liability specified in the schedule of the other American International Group insurance provided to the outside entity.The cover provided by this clause shall not apply in connection with any Claim made against any Insured by the outside entity, any of its director s or officer s or any shareholder of the outside entity holding more than 20 percent of the issued and outstanding voting share capital of the outside entity.4.3 Discovery PeriodIf the policyholder refuses to renew this policy, then the policyholder shall have the right, upon payment of an additional premium of 50 percent of the full annual premium to a discovery period of 12 months following the effective date of non-renewal.If the Insurer refuses to offer any terms or conditions to renew this policy, then the policyholder shall have the right to purchase a discovery period of 12 months for 25 percent of the full annual premium.The Insured shall be entitled to a 30 day discovery period at no additional premium if this policy is not renewed by either the policyholder or the Insurer. If the policyholder elects to purchase a discovery period, this 30-day discovery period shall be part of and not in addition to the purchased discovery period.To purchase the discovery period, the policyholder must request its purchase in writing within15 days of the termination date of the policy and must tender the additional premium within30 days of the termination date. The additional premium is not refundable and the discoveryperiod is not cancelable.If a transaction takes place, then the policyholder shall not have the right to purchase a discovery period as set out above. However, the policyholder shall have the right within 30 days of the end of the policy period to request an offer from the Insurer of a discovery period for up to 72 months. The Insurer shall offer a discovery period with terms, conditions and premium as the Insurer may reasonably decide.4.4. Heirs, Estates and Legal RepresentativesIf an Insured dies, becomes incompetent, insolvent or bankrupt, this policy shall cover Loss arising from any Claim made against the estate, heirs, or legal representatives of the Insured for any Wrongful Act of such Insured.4.5 Joint Property LiabilityThis Policy shall cover Loss arising from any Claim made against the lawful spouse (whether that status is derived by reason of the statutory law, common law or otherwise of any applicable jurisdiction in the world) of an Insured for any Claim arising out of his or her status as the spouse of an Insured including any Claim that seeks damages recoverable from marital community property or property jointly held by the Insured and the spouse; provided, however, that this extension shall not afford cover for any Claim for any Wrongful Act of the spouse and that this policy shall apply only to Wrongful Act(s) of an Insured.Provisions5. General5.1 Representation and SeverabilityIn granting cover to any one Insured, the Insurer has relied upon the material statements and particulars in the proposal together with its attachments and other information supplied.These statements, attachments and information are the basis of cover and shall be considered incorporated and constituting part of this policy.The proposal shall be construed as a separate proposal by each of the Insured s. With respect to statements and particulars in the proposal, no statements made or knowledge possessed by any Insured shall be imputed to any other Insured to determine whether cover is available for any Claim made against such other Insured.5.2 Changes in Risk During Policy period(i) If during the policy period a transaction takes place, then the cover provided underthis policy is amended to apply only to Wrongful Act(s) committed prior to theeffective date of the transaction.policy period, the Company decides to make an initial offering of itsthe(ii) Ifduringsecurities in any jurisdiction, whether its securities are already traded or not, by anymeans, public or private, then as soon as the information is publicly available, theCompany shall provide the Insurer with any prospectus or offering statement for theInsurer’s evaluation and assessment of the increased exposure of the Insured and theInsurer shall be entitled to amend the terms and conditions of this policy and/orcharge a reasonable additional premium reflecting the increase in exposure. At thepolicyholder’s request, prior to the public announcement of such securities offering,the Insurer shall evaluate and assess the increased exposure and advise of allnecessary amendments to the terms and conditions of this policy and additionalpremium. In this event and at the request of the policyholder, the Insurer will enterinto a confidentiality agreement with the policyholder relating to any informationprovided regarding the proposed securities offering.5.3 Limit of LiabilityThe limit of liability specified in Item 3 of the Schedule is the total aggregate limit of the Insurer’s liability for all Loss, arising out of all Claims made against all Insured s under all insurance covers under this policy combined. The limit of liability for the discovery period shall be part of and not in addition to the total aggregate limit of liability for the policy period.Loss arising from any Claim which is made subsequent to the policy period or discovery period which pursuant to General Provision 5.5 is considered made during the policy period or discovery period shall also be subject to the same total aggregate limit of liability. Defense costs are not payable by the Insurer in addition to the total aggregate limit of liability.Defense costs are part of Loss and are subject to the total aggregate limit of liability for Loss.5.4 RetentionThe Insurer shall only be liable for the amount of Loss arising from a Claim which is in excess of the retention amount specified in Item 4 of the Schedule with regard to all Loss under all insurance covers under this policy for which the Company has indemnified or is permitted or required to indemnify the Insured. The retention amount is to be borne by the Company and shall remain unInsured. A single retention amount shall apply to Loss arising from all Claim s alleging a single Wrongful Act.Provided, however, that no retention shall apply and the Insurer shall thereupon reimburse any defense costs paid by the Company, in the event of:(i) a determination of no liability of all Insured s, or(ii) a dismissal or a stipulation to dismiss the Claim without prejudice and without the payment of any consideration by any Insured.Provided, however, that in the case of (ii) above, such reimbursement shall occur 90 days after the date of dismissal or stipulation as long as the Claim is not re-brought (or any other Claim which is subject to the same single retention by virtue of this General provision 5.4 is not brought) within that time, and further subject to an undertaking by the Company in a form acceptable to the Insurer that such reimbursement shall be paid back by the Company to the Insurer in the event the Claim (or any other Claim which is subject to the same single retention by virtue of this General Provision 5.4) is brought after such 90 day period.5.5 How to Give Notice and Report a Claim(i) Notice of a Claim or of circumstances which may result in a Claim shall be given inwriting to Financial Lines Claims, at the head office of the Insurer as shown on thedeclarations page. If posted the date of posting shall constitute the date that noticewas given, and proof of posting shall be sufficient proof of notice.Company or the Insured shall, as a condition precedent to the obligations of the (ii) TheInsurer under this policy, give written notice to the Insurer of any Claim made againstan Insured as soon as practicable and either:(a) any time during the policy period or during the discovery period; or(b) within 30 days after the end of the policy period or the discovery period, aslong as such Claim(s) is reported no later than 30 days after the date suchClaim was first made against an Insured.(iii) If, during the policy period or during the discovery period written notice of a Claim against an Insured has been given to the Insurer pursuant to the terms and conditionsof this policy, then any Claim arising out of, based upon or attributable to the factsalleged in the Claim previously notified to the Insurer or alleging a single WrongfulAct which is the same as or related to any Wrongful Act alleged in the previouslynotified Claim, shall be considered made against the Insured and reported to theInsurer at the time the first notice was given.(iv) If during the policy period or during the discovery period, the Company or the Insured shall become aware of any circumstances which may reasonably be expected to giverise to a Claim being made against an Insured and shall give written notice to theInsurer of the circumstances and the reasons for anticipating a Claim, with fullparticulars as to dates and persons involved, then any Claim which is subsequentlymade against an Insured and reported to the Insurer arising out of, based upon orattributable to the circumstances or alleging any Wrongful Act which is the same as orrelated to any Wrongful Act alleged or contained in those circumstances, shall beconsidered made against the Insured and reported to the Insurer at the time the noticeof the circumstances was first given.5.6 Advancement of CostsThe Insurer shall advance to the Insured or the Company defense costs under all insurance covers under this policy before the final disposition of the Claim. The advance payments by the Insurer shall be repaid to the Insurer by the Company or the Insured, severally according to their respective interests, in the event and to the extent that the Company or the Insured shall not be entitled to payment of the Loss under the terms and conditions of this policy.In the event and to the extent that the Company is permitted or required to indemnify the Insured but for whatever reason fails to do so, the Insurer will advance all defense costs to the Insured on behalf of the Company. In this case, however, the retention amount specified in Item 4 of the Schedule shall be repaid by the Company to the Insurer, unless the Company is insolvent.5.7 How Defense Will Be ConductedThe Insured shall have the right and duly to defend and contest any Claim. The Insurer shall have the right to effectively associate with the Insured and the Company in the defense and settlement of any Claim that appears reasonably likely to involve the Insurer, including but not limited to effectively associating in the negotiation of any settlement.The Insured shall not admit or assume any liability, enter into any settlement agreement, stipulate to any judgment or incur any defense costs without the prior written consent of the Insurer as a condition precedent to the Insurer’s liability for Loss arising out of the Claim.Only those settlements, stipulated judgments and defense costs which have been consented to by the Insurer shall be recoverable as Loss under the terms of this policy. The Insurer’s consent shall not be unreasonably withheld, provided that the Insurer shall be entitled to effectively associate in the defense and the negotiation of any settlement of any Claim in order to reach a decision as to reasonableness.。

Endorsement Number:Policy Number:Applicant:Effective Date of Endorsement:Professional Services Exclusion (Failure to Supervise)It is understood and agreed that the Insurer shall not be liable to make any payment under this Policy based on, arising from or attributable to the Company’s performance or the Insured’s performance or attempted performance of professional services for any third party or any act, error or omission relating thereto provided that this exclusion shall not apply to Loss solely based on or arising from any allegation of a failure to supervise any Employee of the Company.In all other respects this Policy remains unaltered.批单号：保险合同号：投保人：批单生效日：专业责任除外条款（不适用于疏于监察）兹经双方了解并同意，保险人不负责赔偿任何基于、起因于或归因于被保险机构或被保险人向第三方提供的专业服务或尝试提供的专业服务的责任，或与提供该专业服务中的行为、错误或不作为有关的责任。

但是，此除外条款并不适用于仅因为疏于监察被保险机构的雇员的任何指控所造成的损失。

公众责任险投保单一、 投保人：二、 投保人地址：三、 被保险人名称：四、 被保险营业地址：五、 面积：六、 第一受益人：七、 赔偿限额：每次事故赔偿限额：人民币 50万元其中，每次事故财产损失赔偿限额人民币 20万元每次事故人身伤害赔偿限额人民币20万元每次事故每人赔偿限额：人民币10万元每人医疗费用赔偿限额人民币1万元累计赔偿限额：人民币100万元八、保险期限：自2018年 月 日零时起，至2019年 月 日二十四时止九、每次事故绝对免赔额：人民币1000元或损失金额的10%，二者取高十、司法管辖：中华人民共和国司法管辖(港、澳、台除外)十一、保险费：1200元十二、付费日期：于2016年月日之前一次性付清保费十三、特别约定：十四、付费约定：1、投保人应按约定交付保险费。

2、约定一次性交付保险费的，投保人在约定交费日后交付保险费的，保险人对交费之前发生的保险事故不承担保险责任。

3、约定分期交付保险费的，保险人按照保险事故发生前保险人实际收取保险费总额与投保人应当交付的保险费的比例承担保险责任，投保人应当交付的保险费是指截至保险事故发生时投保人按约定分期应该缴纳的保费总额。

中国平安财产保险股份有限公司平安公众责任保险条款总则第一条 本保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。

凡涉及本保险合同的约定，均应采用书面形式。

第二条 中华人民共和国境内的各类机关、企事业单位、个体经济组织以及其他组织，均可作为本保险合同的被保险人。

保险责任第三条 在保险期间内，被保险人在保险单载明的区域范围内因经营业务发生意外事故，造成第三者的人身伤亡或财产损失，依照中华人民共和国法律（不包括港澳台地区法律）应由被保险人承担的经济赔偿责任，保险人按照本保险合同约定负责赔偿。

第四条 在保险期间内，发生本条款第三条所规定的意外事故造成第三者的人身伤亡，受害人或其近亲属提出精神损害赔偿的，依照中华人民共和国（不包括港澳台地区）法院判决应由被保险人承担的精神损害赔偿责任，保险人按照本保险合同约定负责赔偿。

董事与高级职员责任保险制度述评-董事与高级职员责任保险（directors and officers liabbilityinsurance，简称D一、D各国法律对董事和高级职员的责任都有明确的规定，虽然具体条文会有些差异，但一般都包括：谨慎经营、忠于公司与股东、对雇员负责、向有权知情的人及时如实披露重要信息等。

企业或其他组织的经营管理是一项复杂的职业活动，董事和高级职员在工作中因自身能力、经验有限或其它一些客观原因而难免会出现过失行为（wrongful act）。

具体表现为，言行误导、信息披露失真、处理雇佣问题有欠公平、经营决策不当等。

这些行为无疑会给其所供职的组织造成经济上的损失，如导致公司股票市值下降，错失投资机会，或因伤害第三方利益等都有可能引发的针对个人和组织的索赔。

在过去相当长的时间里，对于最终由谁来承担这样的索赔争议很大。

根据一般的法律原则，董事和高级职员应承担损失，无权从所在组织获得补偿。

理由是各类组织机构都没有义务为其支付赔偿金。

随着经济环境的发展，董事和高级职员在各类组织，尤其是赢利性企业中的作用逐渐显现，他们的利益也愈发受到重视，一些公司开始通过内部协议建立对董事和高级职员的补偿机制。

但由于单个企业财力有限，且风险集中，补偿范围较小，条件也很苛刻，往往仅局限于他们因执行组织负责人的意图（有时包括误解负责人的意图）而造成的损失。

董事和高级职员的自主行为所造成的损失一般不在补偿之列，这就远远不能满足其合理的补偿要求。

进入20世纪以来，政府部门对企业经营管理的监督与约束越来越严，第三方对董事和高级职员提出民事赔偿的法律依据也越来越充分（注：如1934年美国颁布《证券交易法》（SEA），建立了证券民事赔偿制度。

），这就促使在企业之外建立一种对董事和高级职员职业责任的保障机制变得非常迫切，于是D作为职业责任保险之一，D比较典型的“过失行为”是指董事和高级职员个人或集团在履行职务过程中一切实际或企图实施的错误言行、误导言行、疏忽遗漏与违约行为；或者仅因为他们是董事和高级职员对某故事的发生而负有赔偿责任。

公司董事及高级管理人员责任保险条款保险单持有者、被保险公司和被保险人第一条凡在中华人民共和国境内依法设立的有限责任公司或股份有限公司均可以投保本保险，经保险人同意承保并在保险单上载明，成为保险单持有人及被保险公司，其在职董事或高级管理人员成为被保险人。

保险责任第二条董事与高级管理人员责任自保险单载明的追溯日期起至保险期间终止日期止，被保险人因履行被保险公司董事、高级管理人员或雇员职务存在过错行为，在保险期间内或者在发现期内首次遭受索赔而造成损失的，对于该损失未经被保险公司补偿的部分，保险人根据本保险合同的约定负责向被保险人赔偿。

第三条公司补偿自保险单载明的追溯日期起至保险期间终止日期止，被保险人因履行被保险公司董事、高级管理人员或雇员职务存在过错行为，在保险期间内或者在发现期内首次遭受索赔而造成损失的，对于该损失经被保险公司补偿的部分，保险人根据本保险合同的约定负责向被保险公司赔偿。

第四条诉讼或仲裁费用补偿自保险单载明的追溯日期起至保险期间终止日期止，被保险人因履行被保险公司董事、高级管理人员或雇员职务存在过错行为，在保险期间内或者在发现期内首次遭受索赔，被保险人或被保险公司因此经保险人书面同意而参加诉讼或仲裁的，保险人根据本保险合同的约定负责向被保险人或被保险公司赔偿抗辩费用。

但被保险人或被保险公司一旦无权在本保险单项下获得对董事与高级管理人员责任或公司补偿的赔偿，除本保险合同另有不同的约定外，必须返还保险人所支付的抗辩费用。

责任免除第五条因被保险人的下列任何行为导致索赔所造成的损失，保险人不负责赔偿：（一）违反被保险公司的章程或其他规章制度；（二）不诚实、欺诈或犯罪；（三）贪污、侵占、贿赂或以其他手段非法谋取个人利益或个人优势；（四）提供担保、承诺代为履行债务或表示赠与；（五）从事非法经营或为自家买卖被保险公司的有价证券；（六）抄袭、窃取、泄漏、未经合法授权使用他人商业秘密或侵犯他人知识产权。

公司董事及高级职员责任保险条款保险责任第一条 董事及高级职员责任保险本保险承保被保险个人在以其被保险个人的身份执行职务过程中，由于单独或共同的过错行为导致第三者遭受经济损失，依法应由被保险董事及高级职员承担的赔偿责任，本公司按本保单的约定负责赔偿。

但本公司承担上述赔偿责任时，以被保险个人引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险个人提出索赔为限。

第二条 公司补偿保险本保险承保被保险个人在以其被保险个人的身份执行职务过程中，由于单独或共同的过错行为导致第三者遭受经济损失，且被保险公司依法应对其过错行为承担赔偿责任，本公司按本保单的约定，在被保险个人所受损失范围内对被保险公司负责赔偿。

但本公司承担上述赔偿责任时，以被保险个人引起索赔的过错行为发生于保单约定的溯及日后，并且第三者在保险期限内首次向被保险个人提出索赔为限。

第三条 被保险人配偶的赔偿责任被保险个人因上述过错行为被提及索赔时，其配偶如因配偶身份被连带提及索赔或被执行财产，本公司对其配偶的损失视同被保险董事或高级职员的损失，按本保险单规定负责赔偿。

但因被保险个人的配偶本人的过错行为所致的赔偿责任,则不在本保单保障范围内。

第四条 诉讼费用在发生保险责任范围内的事故后，被保险个人因被提起诉讼发生的经本公司事先书面同意的诉讼费用，本公司在保单约定的范围内负责赔偿，但该诉讼费用包含在保单载明的赔偿限额内，不另外计算。

经被保险人申请，本公司在认为必要时，对已书面同意的诉讼费用可先行垫付。

第五条 继承人或法定代理人保障若被保险个人死亡、失去完全民事行为能力、破产、财务困难时，第三者对其继承人或法定代理人提出索赔，索赔原因是由于被保险个人执行职务过程中的过错引起的，本公司将该索赔视同第三者对被保险个人的索赔，适用于本条款第一条。

责任免除第六条 本公司对下列各项针对被保险个人的索赔不负赔偿责任：一、由被保险人或以被保险人名义提出的索赔，但以下情况不在此限：（一）由非被保险个人之一人或数人以被保险公司的名义所提出的衍生性索赔案件，且被保险人就该索赔并未参与或提供协助。

中国平安财产保险股份有限公司PING AN PROPERTY&CASUALTY INSURANCE COMPANY
平安雇主责任保险(2008版)投保单
1、本投保单和《平安雇主责任保险(2008版)条款》及附加条款是保险合同的组成部分，请您仔细阅读《平版)条款》及附加条款，特别注意有关责任免除、投保人、被保险人义务的规定。

2、请您如实填写投保单，如故意隐瞒事实，不履行如实告知义务的，本公司有权解除保险合同或不承担保款，本公司有权要求退还。

3、请您按本保险合同的约定及时交纳保险费。

份有限公司
PANY OF CHINA,LTD.
单
组成部分，请您仔细阅读《平安雇主责任保险(2008有权解除保险合同或不承担保险责任，对已支付的赔。

2023版人身保险个人投保单(一)全文兹拟向中国平安保险股份有限*司投保人身保险，内容如下：投保单编号：－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜保险种类｜｜｜－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜投保人｜姓名｜｜身份证号码｜｜与被保险人关系｜｜｜｜－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜－－－－－－－－｜｜情况｜地址｜｜邮编｜｜电话｜｜｜－－－｜－－－－｜－－－－－－－－－－－－－－－－－｜－－－｜－－－－－－－｜－－－－－－－－－－－｜｜被保险｜姓名｜｜年龄｜｜性别｜｜身份证号码｜｜｜｜－－－－｜－－－－－－－－－－－－－－－－－｜－－－｜－－－－－－－｜－－－－－－－－－－－｜｜人情况｜地址｜｜邮编｜｜电话｜｜－－－－－－－－｜－－－－－－－－－－－－－－－－－｜－－－－－－－－－－－｜－－－－－－－－－－－｜｜保险年期｜｜保险份数｜｜受益人｜｜领取日期｜｜｜－－－－－－－－｜－－－－－｜－－－－－－｜－－－－｜－－－－｜－－－－－－－－－－－－－－－－－－｜｜领取年龄｜｜领取方式｜｜领取金额｜｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜保险期限｜自年月日中午１２时起至年月日中午１２时止｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜基本保险金额｜附加保险金额｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜－－－－－－－－－－－－－－－｜｜意外伤残保额｜｜附加险别｜｜｜意外身故保额｜｜保额｜｜｜疾病伤残保额｜｜费率｜｜｜疾病身故保额｜｜｜｜｜满期保险金额｜｜｜｜｜生存给付金｜｜附加险别｜｜｜｜｜保额｜｜｜费率｜｜费率｜｜｜－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜保险费｜｜｜－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜保险本金｜｜｜－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜缴费形式｜一次性缴费□年缴□半年缴□季缴□月缴□其他：｜｜－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜付款方式｜｜币种｜｜｜－－－－－－－－－｜－－－－－－－－－－－－－－－－－－－－－－－－｜－－－－－－｜－－－－－－－－｜｜开户银行｜｜帐号｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜特别约定：｜｜｜｜｜｜｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜被保险人健康状况：｜｜１．目前尚在病假中□有□无｜｜２．因病休或因病减轻劳动量□有□无｜｜３．因患有其他慢性病而不能全勤工作或经常缺勤□有□无｜｜４．有无严重病史□有□无｜｜５．癌症、肝硬化、癫痫病、脑震荡、精神病、心脏病、高血压病、血管硬化、性病等□有□无｜｜｜｜投保人是否健康□是□否｜｜｜｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜｜投保声明：｜｜１）本投保单所填写的各项内容，均属真实，可作为你公司签发保单的根据，并成为双方合约的组｜｜成部分，如日后发现与事实不符，即使保单签发，你公司仍可不负任何责任。

永安财富保险股份有限企业董事、监事及高级管理人员责任保险（A款）条款总则第一条本保险合同由保险条款、投保单、保险单、保险凭据以及批单构成。

凡波及本保险合同的商定，均应采纳书面形式。

第二条本保险的被保险人包含被保险个人、被保险企业，依据本保险合同的商定享有相应的保障。

保险责任第三条董事、监事和高级管理人员的赔偿责任被保险个人在以其被保险个人的身份执行职务的过程中，因为独自或共同的过错行为以致第三者遭到经济损失，该第三者向被保险个人提出索赔，对依法应由被保险个人肩负，且被保险个人不可以从被保险企业获取赔偿的损失，保险人按本保险合同的商定负责赔偿。

保险人肩负上述赔偿责任时，以被保险个人惹起索赔的过错行为发生于保险单商定的追忆往后，而且第三者在保险时期内初次向被保险个人提出索赔为前提。

第四条被保险个人配偶的经济损失赔偿责任被保险个人因过错行为被提起索赔时，其配偶如因配偶身份或因与被保险个人共同拥有财富而被连带提起索赔或被执行财富，保险人对其配偶的损失视同被保险个人的损失，按本保险合同的商定负责赔偿。

但因被保险个人配偶自己的过错行为所致的赔偿责任，则不在本保险合同保障范围内。

第五条继承人或法定代理人责任若被保险个人死亡、失掉完好民事行为能力、破产、财务困难时，第三者对其继承人或法定代理人提出索赔，索赔原由是因为被保险个人在执行职务过程中的过错惹起的，保险人将该索赔视同第三者对被保险个人的索赔，按本保险合同的商定负责赔偿。

第六条法律花费保障责任保险事故发生后，被保险人因保险事故而被提起仲裁或许诉讼的，对应由被保险人支付的仲裁或诉讼花费以及预先经保险人书面赞同支付的其余必需的、合理的花费（以下简称“法律花费”），保险人依照本保险合同商定也负责赔偿。

责任免去第七条以下原由造成的损失、花费和责任，保险人不负责赔偿：（一）投保人、被保险人及其代表的成心行为、欺骗行为、犯法行为或重要过错；（二）战争、敌对行动、军事行为、武装矛盾、停工、动乱、暴乱、恐惧活动；（三）核辐射、核爆炸、核污染及其余放射性污染；（四）大气污染、土地污染、水污染及其余各样污染；（五）行政行为或司法行为；（六）被保险个人因获知其余交易者没法得悉的内情信息，而买卖被保险企业的证券获取不妥得利、非法流露内情信息的行为；（七）为获取利益，而对政治集体、政府或军方官员、客户、债权人或债务人或其代表、利益关系人赠与、行贿、支付款项、佣金的行为；（八）被保险个人、被保险企业对任何单位和个人供给担保；（九）被保险个人以受托人、管理人的身份在管理或经营退休金、年金、分成、员工福利基金或其余员工福利项目时违犯职责或义务的行为；（十）在本保险单奏效日前，已经发生且被保险个人亦已知悉或应当知悉的过错行为；（十一）偷窃、打劫；（十二）地震、雷击、暴雨、洪水等自然灾祸。

XX财产保险股份有限公司董事、监事及高级管理人员职业责任保险附加条款（2009版）01. 附加外派董事、监事及高级管理人员责任保险条款02．附加被保险人的继承人或法定代理人责任保险条款03. 董事及高级管理人员个人第三者责任条款01、附加外派董事、监事及高级管理人员责任保险条款经被保险人申请，并补交保险费后，本保险单扩展承保以下责任：对于被公司外派到其他公司的董事、监事及高级管理人员或被保险人在所属公司以外的任何组织兼任职务时，因过失行为所致的赔偿责任，保险人按照本保险条款规定负责赔偿。

赔偿限额：每次索赔赔偿限额和累计赔偿限额分别为本保险单明细表中列明的职业责任赔偿限额的30%。

免赔额：按本附加责任每次索赔赔偿金额的5%或500元计，两者以高者为准。

附加保险费：为本保险单明细表中列明的年度主险保费的35%。

本附加险必须在投保董事、监事及高级管理人员职业责任保险的基础上，根据被保险人的需要另外加保。

本条款与主险条款有不一致之处时，以本条款为准。

本条款未规定之处，按主险条款办理。

02、附加被保险人的继承人或法定代理人责任保险条款经被保险人申请，并补交保险费后，本保险单扩展承保以下责任：若被保险人死亡、丧失民事行为能力、丧失债务清偿能力或破产时，投资者（股东）对其继承人或法定代理人提出索赔，索赔原因是由于被保险人在执行职务过程中的过失行为引起的，保险人将该索赔视同投资者（股东）对被保险人提出的索赔，按照本保险条款规定负责赔偿。

赔偿限额：每次索赔赔偿限额和累计赔偿限额分别为本保险单明细表中列明的职业责任赔偿限额的30%。

免赔额：按本附加责任每次索赔赔偿金额的5%或500元计，两者以高者为准。

附加保险费：为本保险单明细表中列明的年度主险保费的35%。

本附加险必须在投保董事、监事及高级管理人员职业责任保险的基础上，根据被保险人的需要另外加保。

本条款与主险条款有不一致之处时，以本条款为准。

本条款未规定之处，按主险条款办理。

公司董事及高级职员责任保险必要性分析公司董事及高级职员责任保险必要性分析公司董事及高级职员责任保险必要性分析公司董事和高级职员在行使职权行为时因产生过错行为，导致第三者遭受经济损失时，依法应承担相应的经济赔偿责任。

所谓公司董事及高级职员责任保险就是公司董事和高级职员将风险转嫁给保险公司，由保险公司按保险合同约定来承担这种经济赔偿责任。

这个险种承保的主要保险对象是：公司董事、其他单位派驻的独立董事以及公司高级职员。

一、公司董事和高级职员购买责任保险的必要性公司董事和高级职员需要购买责任保险，这是由他们的职能和他们相应所承担的责任决定的。

董事代表股东对公司进行管理，高级管理人员经董事会或总经理授权对公司具体业务经营和各项事务进行管理。

他们在行使职权的过程中，要形成各种各样的经营决策，要确定公司的各种投资项目并对项目的效益负责；要对外签订合同并承担履行合同的责任；要对外披露信息并对信息披露的真实性、准确性、及时性负责……董事及高级管理人员可能承担的责任众多，而且其有些决策可能对公司甚至对社会产生重大影响，因此承担的责任十分巨大。

然而，在现代企业的管理中，董事及高级管理人员在行使职权时面临的是瞬息万变的市场情况，是浩瀚如海的各种法律法规和管理规定，是纷繁复杂的各项审议事项和决策事项，这就难免有的董事和高级职员在行使职权的过程中会发生过错，造成对股东、对雇员、对合作伙伴、对竞争对手，甚至对广大社会公众造成经济损失。

巨大的责任使得董事和高级职员每签一个字、每说一句话都需要给予充分的注意，做到恪尽职守，也使得他们在行使职权的过程中面临巨大的压力。

二、司法实践中已经出现了对董事和高级职员的民事索赔在上市公司中，红光实业的部分董事隐瞒公司经营情况，任意挪用筹集资金，亿安科技的部分董事操纵公司股价，给投资于这两家公司的中小股东造成巨额损失，广大中小股东也因此联名对这两家公司的部分董事和高级职员提出了巨额民事索赔。

由于相应法律法规还不够完善，因此红光实业的索赔案法院没有予以受理，亿安科技的索赔案也因最高人民法院暂停受理证券民事索赔案件的通知而暂时搁置。

平安董事、监事和高级管理人员责任保险超赔保险条款兹经投保人向中国平安财产保险股份有限公司（以下简称“平安”）提交投保单和有关资料（包括该投保单及其所附资料中的陈述），并向平安缴付保险费,经平安核保并向投保人签发保险单，平安同意按照本保险单的所有的条款、条件、除外责任和赔偿限额的约定与投保人签订本保险单：保险责任平安同意根据下列约定，在保险期间内向被保险人和被保险公司提供下层保险单的超赔保险：（a）本保险单承担赔付责任仅在所有下层保险单的赔偿限额都已依其约定赔尽后才发生，并且本保险单承担赔付责任的依据为基层保险单约定的所有条款、条件、除外责任、限制条件、批单以及其它下层保险单及批单附加的所有除外责任和限制条件。

除非在本保险单的任何条款、条件和批单中另有特别约定。

（b）本保险单的责任范围不大于任何的下层保险单；（c）本保险单承保明细表第五项载明的所有下层保险单，在保险期间内除因给付承保损失而减少其保险期间累计赔偿限额外，均应保持其它所有保险条件之有效。

如果有违以上约定，本保险单并不因此失效，但平安的责任仍以假设以上约定完全遵守的情况下仍应承担的责任为限。

（d）如果被保险人和被保险公司实际或被指控疏于通知或执行任一下层保险单的扩展责任，或有在任一下层保险单中实际或被指控有不实告知或违反保证的情况，导致下层保险单中的保险责任免除或减轻的，平安的责任范围和承保限额不因下层保险单保险责任的免除或减轻而发生变化，并且该责任免除或减轻同样适用于本保险单。

（e）如果在保险期间内任一下层保险单的条款、条件或赔偿限额发生任何变化，经过平安书面同意，本保险单可以适用下层保险单的上述变更，生效时间从发生变更的下层保险单发生变更的生效日开始。

但是被保险人和/或被保险公司应当向平安交纳因此而额外收取的保险费。

（f）本保险单应适用并按照中华人民共和国法律进行解释。

因履行本保险单产生的或与之相关的争议，应由诚信协商解决，协商不成的，该等争议应当提交中国国际经济贸易仲裁委员会仲裁或按照相关法律和法规，向中国法院提起诉讼。