中国大地财产保险股份有限公司 营业中断保险附加险条款

营业中断保险费率表
一、基准费率
财产损失引起的毛利润损失：财产保险实际费率的2倍
机器损坏引起的毛利润损失：机器损坏保险实际费率的4倍
赔偿期限为12个月，基准免赔为30天。

注：实际费率为财产保险（财产基本险、财产综合险或财产一切险）或机器损坏保险基准费率乘以各项调整系数后得出的费率，此处免赔额系数一律取1.0。

二、费率调整系数
（二）赔偿期限系数
三、保费计算方法
保险费＝（毛利润保险金额+审计费用赔偿限额）×基准费率×免赔系数×赔偿期限系数
如果同时承保财产损失和机器损坏引起的毛利润损失，则需要分别计算财产损失引起营业中断的保险费和机器损坏引起营业中断的保险费，并将二者求和作为总保费。

营业中断保险附加险费率表
一、扩展类
每条扩展类附加条款的收费不低于主险保费的0.5%。

可以根据具体风险情况上浮，但不得下浮。

二、限制类
使用限制类附加条款每个条款最多可以按主险保费减少0.5%，但无论使用多少条限制性附加条款，总体减费的程度不得超过总保费的5%。

三、规范类
此类条款的目的是为了规范主险条款，避免争议，因此不需收费。

机动车商业保险行业基本条款（A款）（中国保险行业协会制定）条款设计说明一、车上人员责任保险和机动车盗抢保险分别提供了主险和附加险两套条款，保险责任和费率完全相同，供各公司自主选择。

二、不计免赔率特约条款的投保条件在条款中未作明确规定，其适用范围由各公司自主确定。

机动车第三者责任保险条款总则第一条机动车第三者责任保险合同（以下简称本保险合同）由本条款、投保单、保险单、批单和特别约定共同组成。

凡涉及本保险合同的约定，均应采用书面形式。

第二条本保险合同中的机动车是指在中华人民共和国境内（不含港、澳、台地区）行驶，以动力装置驱动或者牵引，上道路行驶的供人员乘用或者用于运送物品以及进行专项作业的轮式车辆（含挂车）、履带式车辆和其他运载工具（以下简称被保险机动车），但不包括摩托车、拖拉机和特种车。

第三条本保险合同中的第三者是指因被保险机动车发生意外事故遭受人身伤亡或者财产损失的人，但不包括被保险机动车本车上人员、投保人、被保险人和保险人。

保险责任第四条保险期间内，被保险人或其允许的合法驾驶人在使用被保险机动车过程中发生意外事故，致使第三者遭受人身伤亡或财产直接损毁，依法应当由被保险人承担的损害赔偿责任，保险人依照本保险合同的约定，对于超过机动车交通事故责任强制保险各分项赔偿限额以上的部分负责赔偿。

责任免除第五条被保险机动车造成下列人身伤亡或财产损失，不论在法律上是否应当由被保险人承担赔偿责任，保险人均不负责赔偿：（一）被保险人及其家庭成员的人身伤亡、所有或代管的财产的损失；（二）被保险机动车本车驾驶人及其家庭成员的人身伤亡、所有或代管的财产的损失；（三）被保险机动车本车上其他人员的人身伤亡或财产损失。

第六条下列情况下，不论任何原因造成的对第三者的损害赔偿责任，保险人均不负责赔偿：（一）地震；（二）战争、军事冲突、恐怖活动、暴乱、扣押、收缴、没收、政府征用；（三）竞赛、测试、教练，在营业性维修、养护场所修理、养护期间；（四）利用被保险机动车从事违法活动；（五）驾驶人饮酒、吸食或注射毒品、被药物麻醉后使用被保险机动车；（六）事故发生后，被保险人或其允许的驾驶人在未依法采取措施的情况下驾驶被保险机动车或者遗弃被保险机动车逃离事故现场，或故意破坏、伪造现场、毁灭证据；（七）驾驶人有下列情形之一者：1、无驾驶证或驾驶证有效期已届满；2、驾驶的被保险机动车与驾驶证载明的准驾车型不符；3、实习期内驾驶公共汽车、营运客车或者载有爆炸物品、易燃易爆化学物品、剧毒或者放射性等危险物品的被保险机动车，实习期内驾驶的被保险机动车牵引挂车；4、持未按规定审验的驾驶证，以及在暂扣、扣留、吊销、注销驾驶证期间驾驶被保险机动车；5、使用各种专用机械车、特种车的人员无国家有关部门核发的有效操作证，驾驶营运客车的驾驶人无国家有关部门核发的有效资格证书；6、依照法律法规或公安机关交通管理部门有关规定不允许驾驶被保险机动车的其他情况下驾车。

营业中断保险条款总则第一条本保险合同由保险条款、投保单、保险单或其他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。

第二条投保人应将被保险人在本保险合同载明的营业处所从事载明的经营业务（以下简称“营业”）所使用的物质财产向保险人投保相关的物质财产损失保险。

物质财产损失保险合同（以下简称“物质损失保险合同”）号应在本保险合同中载明。

保险责任第三条在保险期间内，被保险人因物质损失保险合同主险条款所承保的风险造成营业所使用的物质财产遭受损失（以下简称“物质保险损失”），导致被保险人营业受到干扰或中断，由此产生的赔偿期间内的毛利润损失，保险人按照本保险合同的约定负责赔偿。

本保险合同所称赔偿期间是指自物质保险损失发生之日起，被保险人的营业结果因该物质保险损失而受到影响的期间，但该期间最长不得超过本保险合同约定的最大赔偿期。

本保险合同所称毛利润是指按照下述公式计算的金额：毛利润=营业利润+约定的维持费用或毛利润=约定的维持费用-营业亏损×约定的维持费用/全部的维持费用本保险合同所称维持费用是指被保险人为维持正常的营业活动而发生的、不随被保险人营业收入的减少而成正比例减少的成本或费用。

约定的维持费用由投保人自行确定，经保险人确认后在保险合同中载明。

除另有约定外，上述公式所用的会计措辞的含义与被保险人会计账表中的含义一致。

第四条发生第三条约定的保险事故后，被保险人申请赔偿时，按照保险人的要求提供有关账表、账表审计结果或其他证据所付给被保险人聘请的注册会计师的合理的、必要的费用（以下简称“审计费用”），保险人在本保险合同约定的赔偿限额内也负责赔偿。

责任免除第五条保险人不负责赔偿下列损失：（一）投保人、被保险人的故意或重大过失行为产生或扩大的任何损失；（二）由于物质损失保险合同主险条款责任范围以外的原因产生或扩大的损失；（三）地震、海啸及其次生灾害产生或扩大的损失；（四）由于政府对受损财产的修建或修复的限制而产生或扩大的损失；（五）恐怖主义活动产生或扩大的损失；（六）本保险合同载明的免赔额或本保险合同约定的免赔期内的损失。

财产保险基本险/综合险附加险条款基本险附加雪灾、冰凌保险条款一、保险责任兹经双方特别约定,鉴于被保险人已交付了附加的保险费,在本附加险条款明细表中列明的保险标的及保险金额范围内,本保险扩展承保由于下列原因造成保险标的的损失:(一)降雪量超过了国家建筑结构荷载规范规定的荷载标准;(二)积雪在物体上结成冰块,合重量增加和下垂拉力加大;(三)凌汛期间,冰块漂浮遇阴,堆积成坝,堵塞江、河道,造成水位急剧上涨,致使江河水及冰块溢出堤坝,漫延成灾。

二、责任免除下列原因造成保险标的损失,保险人不负责赔偿:(一)冰雪融化后,形成山洪和水灾;(二)冰冻灾害。

三、附加保险费:0.1‰本条款与基本险条款内容相悖时,以本条款为准;其它未尽事项以基本险条款为准。

基本险附加泥石流、崖崩、突发性滑坡保险条款一、保险责任兹经双方特别约定,鉴于被保险人已交付了附加的保险费,在本附加险条款明细表中列明的保险标的及保险金额范围内,本保险扩展承保由于下列原因造成保险标的的损失:(一)大雨或冰(雪)水融化使泥沙、石块因湿透而发生的山体崩塌或突然爆发的泥石流;(二)石崖、土崖、岩石受自然风化、雨蚀造成崩溃下塌;(三)斜坡上不稳定的岩体或土体在重力作用下突然整体向下滑动。

二、附加保险费:0.1‰本条款与基本险条款内容相悖时,以本条款为准;其它未尽事项以基本险条款为准。

基本险雹灾保险条款一、保险责任兹经双方约定,鉴于被保险人己交付了附加的保险费,在本附加险条款明细表中列明的保险标的及保险金额范围内,本保险扩展承保经当地气象部门认定雹灾造成保险标的的损失。

二、附加保险费:0.2‰本条款与基本险条款内容相悖时,以本条款为准;其它未尽事项以基本险条款为准。

基本险附加暴雨、洪水保险条款一、保险责任兹经双方特别约定,鉴于被保险人已交付了附加的保险费,在本附加险条款明细表中列明的保险标的及保险金额范围内,本保险扩展承保由于下列原因造成保险标的的损失。

(一)暴雨:指每小时降雨达到16毫米以上,或连续12小时降雨量达30毫米以上,或连续24小时降雨量达50毫米以上;(二)洪水:山洪暴发、江河泛滥、湖水上岸及倒灌使保险标的遭受浸泡、冲毁等损失。

营业中断保险附加险条款本条款是《XXXXXXXX公司营业中断保险》（以下简称“主险”）的附加险条款。

本附加险合同未约定事项，以主险合同为准；主险合同与本附加险合同相抵触之处，以本附加险合同为准。

投保人可以选择其中的某一个、某几个或全部附加险投保。

一、扩展类K01.包括全部营业额条款K02.未保险的维持费用条款K03.通道堵塞条款K04.谋杀等条款K05.公众事业设备扩展条款K06.遗失欠款账册条款K07.恢复保险金额条款K08.每月预付赔款扩展条款K09.调整保险费条款K10.保单取消条款K11.不得进入条款K12.承包商/供应商条款　K13.顾客/供应商/承包商条款K14.物质损失放弃免赔条款K15.关闭营业处所/设施条款K16.审计师条款　K17.通道受阻条款　K18.炸弹恐吓条款 (只适用于财产利润损失险)K19.政府法令条款 (不超过连续10星期)K20.营业费用增加条款K21.相关性条款K22.累积存货条款二、规范类G01.部门条款G02.账目分类条款G03.会计师条款G04.违反保险条件条款G05.错误及遗漏描述条款G06.保费调整条款G07.保险人90天通知取消保险或拒绝续保条款G08.新业务条款G09.产量条款G10.经营部门条款G11.新营业条款G12.预付赔款条款G13.不具名供应商及顾客扩展条款G14.放弃代位权条款一、扩展类K01.包括全部营业额条款在赔偿期限内如果为获得营业收入，被保险人或他人代其在营业处所以外的地点，销售货物或提供服务，则有关这项销售或服务所给付或应给付的金额，在计算赔偿期限的营业额时应包括在内。

K02.未保险的维持费用条款如本保险合同未承保经营业务的维持费用(根据本保险合同规定对毛利润的定义，在计算毛利润时已予减除)，在计算本保险合同项下，可以取得补偿的营业费用增加的赔偿金额时，只赔偿营业费用增加乘以按毛利润与毛利润加上未保的维持费用之比例所得的那一部分额外费用。

中国人民财产保险股份有限公司营业中断保险条款（2009版）总则第一条本保险合同由保险条款、投保单、保险单或其他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。

第二条投保人应将被保险人在本保险合同载明的营业处所从事载明的经营业务（以下简称“营业”）所使用的物质财产向保险人投保相关的物质财产损失保险。

物质财产损失保险合同（以下简称物质损失保险合同）号应在本保险合同中载明。

保险责任第三条在保险期间内，被保险人因物质损失保险合同主险条款所承保的风险造成营业所使用的物质财产遭受损失（以下简称“物质保险损失”），导致被保险人营业受到干扰或中断，由此产生的赔偿期间内的毛利润损失，保险人按照本保险合同的约定负责赔偿。

本保险合同所称赔偿期间是指自物质保险损失发生之日起，被保险人的营业结果因该物质保险损失而受到影响的期间，但该期间最长不得超过本保险合同约定的最大赔偿期。

本保险合同所称毛利润是指按照下述公式计算的金额：毛利润=营业利润+约定的维持费用或毛利润=约定的维持费用-营业亏损×约定的维持费用/全部的维持费用本保险合同所称维持费用是指被保险人为维持正常的营业活动而发生的、不随被保险人营业收入的减少而成正比例减少的成本或费用。

约定的维持费用由投保人自行确定，经保险人确认后在保险合同中载明。

除另有约定外，上述公式所用的会计措辞的含义与被保险人会计账表中的含义一致。

第四条发生第三条约定的保险事故后，被保险人申请赔偿时，按照保险人的要求提供有关账表、账表审计结果或其他证据所付给被保险人聘请的注册会计师的合理的、必要的费用（以下简称审计费用），保险人在本保险合同约定的赔偿限额内也负责赔偿。

责任免除第五条保险人不负责赔偿下列损失：（一）投保人、被保险人的故意或重大过失行为产生或扩大的任何损失；（二）由于物质损失保险合同主险条款责任范围以外的原因产生或扩大的损失；（三）地震、海啸及其次生灾害产生或扩大的损失；（四）由于政府对受损财产的修建或修复的限制而产生或扩大的损失；（五）恐怖主义活动产生或扩大的损失；（六）本保险合同载明的免赔额或本保险合同约定的免赔期内的损失。

营业中断保险条款中国平安财产保险股份有限公司营业中断保险条款总则第一条本保险合同由保险条款、投保单、保险单或其他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。

第二条投保人应将被保险人在本保险合同载明的营业处所从事载明的经营业务（以下简称“营业”）所使用的物质财产向保险人投保相关的物质财产损失保险。

物质财产损失保险合同（以下简称“物质损失保险合同”）号应在本保险合同中载明。

保险责任第三条在保险期间内，被保险人因物质损失保险合同主险条款所承保的风险造成营业所使用的物质财产遭受损失（以下简称“物质保险损失”），导致被保险人营业受到干扰或中断，由此产生的赔偿期间内的毛利润损失，保险人按照本保险合同的约定负责赔偿。

本保险合同所称赔偿期间是指自物质保险损失发生之日起，被保险人的营业结果因该物质保险损失而受到影响的期间，但该期间最长不得超过本保险合同约定的最大赔偿期。

本保险合同所称毛利润是指按照下述公式计算的金额：毛利润=营业利润+约定的维持费用或毛利润=约定的维持费用-营业亏损×约定的维持费用/全部的维持费用本保险合同所称维持费用是指被保险人为维持正常的营业活动而发生的、不随被保险人营业收入的减少而成正比例减少的成本或费用。

约定的维持费用由投保人自行确定，经保险人确认后在保险合同中载明。

除另有约定外，上述公式所用的会计措辞的含义与被保险人会计账表中的含义一致。

第四条发生第三条约定的保险事故后，被保险人申请赔偿时，按照保险人的要求提供有关账表、账表审计结果或其他证据所付给被保险人聘请的注册会计师的合理的、必要的费用（以下简称“审计费用”），保险人在本保险合同约定的赔偿限额内也负责赔偿。

责任免除第五条保险人不负责赔偿下列损失：（一）投保人、被保险人的故意或重大过失行为产生或扩大的任何损失；（二）由于物质损失保险合同主险条款责任范围以外的原因产生或扩大的损失；（三）地震、海啸及其次生灾害产生或扩大的损失；（四）由于政府对受损财产的修建或修复的限制而产生或扩大的损失；（五）恐怖主义活动产生或扩大的损失；（六）本保险合同载明的免赔额或本保险合同约定的免赔期内的损失。

营业中断保险条款总则第一条本保险合同由保险条款、投保单、保险单或其他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。

第二条投保人应将被保险人在本保险合同载明的营业处所从事载明的经营业务（以下简称“营业”）所使用的物质财产向保险人投保相关的物质财产损失保险。

物质财产损失保险合同（以下简称“物质损失保险合同”）号应在本保险合同中载明。

保险责任第三条在保险期间内，被保险人因物质损失保险合同主险条款所承保的风险造成营业所使用的物质财产遭受损失（以下简称“物质保险损失”），导致被保险人营业受到干扰或中断，由此产生的赔偿期间内的毛利润损失，保险人按照本保险合同的约定负责赔偿。

本保险合同所称赔偿期间是指自物质保险损失发生之日起，被保险人的营业结果因该物质保险损失而受到影响的期间，但该期间最长不得超过本保险合同约定的最大赔偿期。

本保险合同所称毛利润是指按照下述公式计算的金额：毛利润=营业利润+约定的维持费用或毛利润=约定的维持费用-营业亏损×约定的维持费用/全部的维持费用本保险合同所称维持费用是指被保险人为维持正常的营业活动而发生的、不随被保险人营业收入的减少而成正比例减少的成本或费用。

约定的维持费用由投保人自行确定，经保险人确认后在保险合同中载明。

除另有约定外，上述公式所用的会计措辞的含义与被保险人会计账表中的含义一致。

第四条发生第三条约定的保险事故后，被保险人申请赔偿时，按照保险人的要求提供有关账表、账表审计结果或其他证据所付给被保险人聘请的注册会计师的合理的、必要的费用（以下简称“审计费用”），保险人在本保险合同约定的赔偿限额内也负责赔偿。

责任免除第五条保险人不负责赔偿下列损失：（一）投保人、被保险人的故意或重大过失行为产生或扩大的任何损失；（二）由于物质损失保险合同主险条款责任范围以外的原因产生或扩大的损失；（三）地震、海啸及其次生灾害产生或扩大的损失；（四）由于政府对受损财产的修建或修复的限制而产生或扩大的损失；（五）恐怖主义活动产生或扩大的损失；（六）本保险合同载明的免赔额或本保险合同约定的免赔期内的损失。

中国人民财产保险股份有限公司财产险附加险条款本条款是中国人民财产保险股份有限公司财产基本险（2009版）、财产综合险（2009版）、财产一切险（2009版）、电厂财产基本险条款（2009版）、电厂财产综合险条款（2009版）、电厂财产一切险条款（2009版）、商业楼宇财产基本险条款（2009版）、商业楼宇财产综合险条款（2009版）、商业楼宇财产一切险条款（2009版）（以下简称“主险”）的附加险条款，只有在投保了上述保险的基础上，方可投保下列附加险。

本附加险合同未约定事项，以主险合同为准；主险合同与本附加险合同相抵触之处，以本附加险合同为准。

投保人可以选择其中的某一个、某几个或全部附加险投保。

一、扩展类（K）（一）一般扩展责任类（KA）KA01.暴风雨扩展条款KA02.台风、飓风扩展条款KA03.龙卷风扩展条款KA04.洪水扩展条款KA05.冰雹扩展条款KA06.雷击扩展条款KA07.暴雪、冰凌扩展条款KA08.沙尘暴扩展条款KA09.泥石流、崩塌、突发性滑坡扩展条款KA10.地面突然下陷下沉扩展条款KA11.地震扩展条款KA12.财产保险地震责任扩展条款KA13.飞行物体及其他空中运行物体坠落扩展条款KA14.水箱、水管爆裂扩展条款KA15.自燃扩展条款KA16.盗窃、抢劫扩展条款KA17.罢工、暴乱及民众骚乱扩展条款KA18.恶意破坏扩展条款KA19.自动喷淋系统水损扩展条款KA20.碰撞扩展条款KA21.供应中断扩展条款AKA22.供应中断扩展条款BKA23.供应中断扩展条款CKA24.供应中断扩展条款DKA25.烟熏扩展条款KA26.恐怖活动扩展条款KA27.扩展恐怖主义风险责任条款KA28.承保全部盗窃条款KA29.虫蛀、鼠咬损失扩展条款KA30.存货变质条款KA31.山崩和下陷条款KA32.海潮保险条款KA33.供水、供气、管道破裂损失条款KA34.公用设施故障条款KA35.导线“舞动”损失扩展条款KA36.“污闪”损失扩展条款KA37.水暖管爆裂条款KA38.液体泄漏条款KA39.污染风险扩展条款KA40.意外污染条款KA41.烟损条款KA42.液体渗漏条款KA43.霉变条款（二）特定标的扩展责任类（KB）KB01.油气管道损坏扩展条款KB02.玻璃破碎扩展条款KB03.建筑物外部附属设施扩展条款AKB04.建筑物外部附属设施扩展条款BKB05.露天存放及简易建筑内财产扩展条款AKB06.露天存放及简易建筑内财产扩展条款BKB07.冷库扩展条款KB08.锅炉、压力容器扩展条款KB09.铁路机车车辆扩展条款KB10.起重、运输机械扩展条款KB11.建筑物变动扩展条款KB12.铁路机车车辆露天存放、脱轨或冲突扩展条款KB13.玻璃破碎扩展条款KB14.财产流动条款（存货及机械设备）KB15.仓库、库房储存保管条款KB16.冷库条款KB17.电路电器设备损失条款KB18.电气损害条款KB19.供电故障导致畜禽损失条款KB20.广告霓虹灯扩展条款KB21.贵重文件条款KB22.贵重物品、古董和艺术品条款KB23.机动车辆条款KB24.计算机及附属设备条款KB25.计算机设备保险财产项目保险特约条款KB26.建筑物变动条款KB27.金银珠宝钻石玉器翡翠首饰条款KB28.建筑物外部附属设施扩展条款KB29.检修扩展条款KB30.草木特约条款KB31.仓储财产损失特别条款KB32.扩展车辆测试条款KB33.流动机械扩展条款（三）扩展费用类（KC）KC01.复制费用扩展条款KC02.灭火费用扩展条款AKC03.灭火费用扩展条款BKC04.消防队灭火费用扩展条款KC05.临时保护措施扩展条款KC06.清理残骸费用扩展条款KC07.专业费用扩展条款KC08.特别费用扩展条款KC09.空运费扩展条款KC10.公共当局扩展条款KC11.建筑物未受损部分额外费用扩展条款KC12.重新安装费用条款KC13.额外费用条款KC14.加快费用条款KC15.建筑费用增加条款KC16.建筑师、检验师、顾问、法律和其它专业费用条款KC17.空运费扩展条款KC18.水道清理条款KC19.重新装嵌机器条款KC20.疏散费用扩展条款KC21.拆开、拆卸机器设备及重新安装费用条款KC22.残余物及污染清除费用条款KC23.清理排水道费用条款（四）扩展标的地点类（KD）KD01.厂区间临时移动扩展条款KD02.车辆装载物扩展条款KD03.临时移动扩展条款KD04.委托加工扩展条款KD05.内陆运输扩展条款AKD06.内陆运输扩展条款BKD07.厂内迁移条款KD08.场所外财产条款KD09.车载货物条款KD10.新获取财产条款KD11.自动扩展承保新增地点条款KD12.自动承保新地址与未指明仓储地址条款KD13.场外维修、保养及改造条款KD14.自动售货机扩展条款KD15.临时移动条款KD16.内陆运输条款（五）扩展标的类（KE）KE01.增加资产扩展条款AKE02.增加资产扩展条款BKE03.便携式设备扩展条款KE04.雇员个人物品扩展条款KE05.其他物品扩展条款KE06.看护、保管和管理财产条款KE07.个人财产条款KE08.被保险人照顾、监管及控制标的物范围附加条款KE9.租户财产责任扩展条款KE10.内部物品条款KE11.所有其它内部设备条款KE12.租赁财产条款KE13.扩建、改建及维修条款KE14.手提电脑及照相摄像器材条款KE15.在建工程（含保险期内新增工程）扩展条款KE16. 媒介物扩展条款（六）扩展赔偿基础类（KF）KF01.自动升值扩展条款KF02.合同价格扩展条款KF03.85％扩展条款KF04.放弃代位追偿扩展条款KF05.地域调整特别条款KF06.防止损失扩大条款KF07.通货膨胀条款KF08.不使失效条款KF09.放弃比例分摊扩展条款二、限制类（X）X01.暴风雨除外条款X02.台风、飓风除外条款X03.龙卷风除外条款X04.洪水除外条款X05.沙尘暴除外条款X06.碰撞除外条款X07.自燃除外条款X08简易建筑除外条款X09感应雷击除外条款三、规范类（G）G01.仓储财产申报条款G02.自动恢复保险金额条款G03.重置价值条款G04.定值保险条款G05.错误和遗漏条款G06.不受控制条款G07.不使失效条款G08.违反条件条款G09.成对或成套设备条款G10.72小时条款G11.赔款接受人条款G12.抵押权条款G13.指定公估人条款G14.预付赔款条款AG15.预付赔款条款BG16.索赔单据条款G17.紧急抢险条款G18.50/50条款G19.分期付费条款AG20.分期付费条款BG21.消防保证条款G22.防洪保证条款G23.仓储物特约条款G24.水位线特约条款：G25.防洪保证条款G26.建筑物消防保证条款G27.配对成套条款G28.成对和成套财产条款KA01. 暴风雨扩展条款经双方同意，由于暴风、暴雨造成保险标的的损失，保险人按照本保险合同的约定负责赔偿。

电厂营业中断保险附加险条款一、扩展类：K01.附加新企业条款K02.附加通道堵塞条款K03.附加公共事业设备条款K04.附加供应商条款K05.附加购买商条款K06.附加谋杀、传染病和污染条款K07.遗失欠款帐册条款二、规范类：G01.包括全部营业额条款G02.未保险的维持费用条款G03.共保条款（90%）G04.错误和遗漏条款G05.产量条款G06.自动恢复保险金额条款G07.分部门条款G08.每月预付赔款G09.调整保险费条款G10.物质损失放弃免赔条款G11.六十天取消保单条款G12.指定公估人条款G13.独立被保险人条款K01.附加新企业条款经保险合同双方特别约定，若被保险人在保险期间内发生保险事故时其营业时间尚未超过一年的，保险人按照对毛利润率、标准营业收入和年度营业收入的如下约定计算毛利润损失：一、毛利润率按照被保险人从其营业开始至发生物质保险损失之日止的期间内的毛利润与营业收入的比例计算；二、标准营业收入按照被保险人从其营业开始至发生物质保险损失之日止的期间内的营业收入，乘以赔偿期间与前述期间的比例计算；三、年度营业收入按照被保险人从其营业开始至发生物质保险损失之日止的期间内的营业收入，乘以十二个月与前述期间的比例计算。

被保险人、保险人应根据被保险人营业趋势及情况的变化、物质保险损失发生前后营业受影响的情况或若未发生物质保险损失原会影响营业的其他情况对毛利润率、标准营业收入以及年度营业收入进行必要的调整，使调整后的数额尽可能合理地接近在赔偿期间内若未发生损失被保险人原可以取得的经营成果。

本保险合同所载其他条件不变。

K02.附加通道堵塞条款经保险合同双方特别约定且投保人已支付相应的附加保险费，若本保险合同载明的营业处所临近的财产因发生物质财产损失保险合同主险条款责任范围内的事故遭受物质损失，造成该营业处所无法使用或堵塞进出该营业处所的通道，使被保险人营业受到干扰或中断，无论被保险人在该营业处所的财产是否发生物质保险损失，保险人均将其视为保险事故并对被保险人的损失按照保险合同约定进行赔偿。

PICC Property and Casualty Company Limited Additional Clauses for Business Interruption InsuranceThe following clauses are the Additional Clauses for Business Interruption Insurance Policy (2009 Version), which is hereinafter called Policy. The terms , conditions and exclusions of the Policy shall apply except to the extent that they are expressly varied by the Additional Clauses. Any one of the Additional Clause(s) could be chosen by the Applicant to be attached to and forming part of the Policy.1.Extension ClausesK01. Scope of Cover （A）K06. Denial of Access (A)K07. Denial of Access (B)K08. Murder, Infectious Disease, and Food Contamination Extension (A)K09. Murder, Infectious Disease, and Food Contamination Extension (B)K10. Murder, Infectious Disease, and Food Contamination Extension (C)K11. Infectious Disease ExtensionK12. Closure of Operation FacilityK13. Public Utilities Extension (A)K14. Public Utilities Extension （B）K15. Loss of Book DebtsK16. Suppliers Extension ( A)K20. Customers/Suppliers /ContractorsK21. Unnamed Suppliers/CustomersK22. Bomb Scare (only applied to PDBI)K23. Government action (Not exceeding __ consecutive weeks)K24. Public Authority ExtensionK33. Departmental extensionK34. Au ditor’s FeesK35. Accountant’s/Auditor’s FeesK36. Errors & Omissions （A）K37. Errors & Omissions （B）2.Restriction ClausesX01. War and Terrorism ExclusionX02. IT ClarificationX03. Total Asbestos ExclusionX04. Mold & Fungi ExclusionX05. Y2K EXCLUSION CLAUSE3.Clarification ClausesG01. DesignationG02. Premium AdjustmentG03. Premium AdjustmentG04. Increase in Cost of WorkingG05. OutputG06.New BusinessG07. Monthly Payment on AccountG08. Payment on AccountG09. Gross Profit Difference BasisG13. Inclusion of All TurnoverG14. Uninsured Standing ChargesG15. Accumulated StocksG16. Breach of Condition and WarrantyG21. Automatic Reinstatement of Sum InsuredG22. __Days’ CancellationG23. __Days’ Notify Cancella tion or Refuse to RenewalG24. Nomination of Loss AdjusterG28. Co-InsuranceG32. Waiver of Subrogation (A)1.Extension ClausesK01. Scope of Cover（A）It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the Insured in respect of loss of Gross Profit resulting from interruption of or interference with the business at the premises in consequence of physical damage to the property used in business operation caused by perils or hazards covered under the Physical Damage Insurance during the period of insurance.Provided that the Insurer shall not be liable for any loss due to causes as following:1.willful act and/or gross negligence of the Applicant and/or the Insured; and/or2.earthquake or tsunami and/or secondary disasters so caused; and/or3.strike, riot, civil commotion, malicious damage an/or act of terrorism; and/or4.confiscation, temporary or permanent requisition by order of the government de jure orde facto or by any public authority; and/or5.nuclear radiation, nuclear fission, nuclear fusion, nuclear pollution or contamination andother radioactive pollution or contamination; and/or6.pollution of atmosphere, soil, water and other non-radioactive pollution; and/or7.other exclusions which agreed by the Insurer and the Insured.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K06. Denial of Access (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by the Insured at the Premises.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K07. Denial of Access (B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss if the aforesaid prevention of the use of the premise or the hinder of the access thereto is contributed to the failure of gas and/or water supply in the vicinity of Insured premises resulting from the property damage thereof.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K08. Murder, Infectious Disease, and Food Contamination Extension Clause (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. Murder or suicide occurring at the Premises stated in the Policy;2. Closure &/or quarantine of the Premises stated in the Policy by order of a competent public authority due to Notifiable Infectious Disease manifested by any person at the Premises;3. Closing of the whole or part of the premises by order of a competent pulblic authority consequent upon defects in the drains and other sanitary facilities at the Premises stated in the Policy.4. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises stated in the Policy.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first seventy-two (72) hours of such loss.It is a condition precedent to any liability of the Insurer that the Insured shall observe and fulfill relevant laws, regulations and requirements on security, sanitation and health, and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K09. Murder, Infectious Disease, and Food Contamination Extension (B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the Premises by order of a competent public authority consequent upon defects in the drains and other sanitary facilities at the Premises.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limit under this clause shall not exceed __.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K10. Murder, Infectious Disease, and Food Contamination Extension (C)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the premises by order of a competent public authorityconsequent upon defects in the drains and other sanitary facilities at the Premises.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first three (3) days of such loss.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K11. Infectious Disease ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this policy is extended to cover loss resulting from interruption of or interference with the business as the direct and sole result of Notifiable Infectious Disease manifested by any person at the Insured Premises which results in the total closure &/or quarantine of the Insured Premises by order of a competent government authority.For the purpose of this insurance, Notifiable Infectious Disease means illness sustained by any person resulting from any human infectious or human contagious disease (excluding Acquired Immune Deficiency Syndrome (AIDS)), the outbreak of which should be notified to the competent public authorities.For the purpose of this insurance ,(1)Indemnity Period means the period during which the results of the business shall be affected in consequence of the Notifiable Infectious Disease, beginning with effective date of the order issued by the competent government authority and ending not later than the Maximum Indemnity Period thereafter.(2) Notwithstanding any provision to the contrary within any other additional clauses or endorsements thereto , it is agreed that this insurance shall only be liable for interruption of or interference with the Insured’s business as a result of an insured event occurred within the locations as specified in the schedule , wherein the insured carries on his business .Provided that the Insurers’ liability under this extension shall not exceed ___ per occurrence for all insured parties in respect of all premises stated in the policy and ___ in aggregate under this extension during any one period of insurance and subject to the time excess of this policy.Occurrence means a loss or series of loss arising out of the event of Notifiable Infectious Disease occurring during the period of insurance.This Clause is subject otherwise to other terms and conditions of this Policy.K12. Closure of Operation FacilityIt is agreed and understood that, subject to the Applicant having paid the agreed additionalpremium, any loss resulting from interruption of or interference with the Insured’s business due to shut-down of operation facility by order of the Health Authorities as a result of food spoilage or contamination, shall be considered as the loss resulting from the physical damage to the insured property, regardless whether the insured property are damaged or not.For the purpose of this extension, Indemnity Period means the period during which the results of the business shall be affected, beginning with 72 hours after the occurrence of the loss and ending not later than 12 months thereafter.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K13. Public Utilities ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequence of failure of electricity, gas or water supply at the terminal ends of the electricity service feeders/Gas Works/Water Works from which the Insured obtained electric supply/Gas/water at the Premises directly due to the damage (as within defined) to property at an Electricity Station or Sub-station of Public Electricity Supply Undertaking from which the Insured obtained electric supply/Gas/water shall be deemed to be loss resulting from the damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss occasioned by the deliberate act of the Government, Municipal or Local Authority or Supply Authority not performed for the sole purpose of safeguarding life or protecting any part of the supply undertaking's system or by the exercise by any such authority of its power to withhold or restrict or ration supply not necessitated solely by the damage to the supply undertaking's generating or supply equipment by an insured perils.For the purpose of the this insurance , the Indemnity Period in respect of each damage or of series of damages consequent on or attributable to one source or original cause shall be as follows:The period beginning with the occurrence of the damage and ending not later than sixty (60) days thereafter during which the result of the business shall be affected in consequence of the damage.Provided that the Insurer shall not be liable for any loss unless the duration of each such failure exceeds twenty-four (24) hours and the Insurer shall not be liable for any loss for the first twenty-four (24) hours of each such failure.In any action, suit or other proceedings where the Insurer alleges that by reason of the provisionsof this condition any loss or damage is not covered by this insurance, the burden proving that this loss or damage is covered shall be upon the Insured.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K14. Public Utilities Extension （B）It is hereby agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the Insured for the loss resulting from interruption of or interference with the Business carried on by the Insured at the premises stated in the Policy in consequence of failure of gas or water supply at the terminal ends of the Gas Works/Water Works from where the Insured obtained gas/water supply, if such failure is directly due to the physical damage (as within defined) to property therein.For the purpose of this insurance, maximum indemnity period in respect of each occurrence shall be sixty (60) days since the date of such failure.The limit of indemnity under this clause shall be determined by the Applicant and specified in the Policy. The limit of indemnity shall not exceed:___In no case shall the insurer be liable for any loss occurred in the first twenty-four(24) hours of each such failure covered hereinThis Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K15. Loss of Book DebtsIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, within the respective limits of sums insured under this Policy, in the event of the records of accounts receivable kept on the premises being lost, destroyed or damaged by any of the perils insured against under this Policy the Insurer shall indemnify the Insured in respect of: 1) all sums due to the Insured from customers, provided the Insured is unable to effect collection thereof as a direct result of such loss,2) any collection expense in excess of normal collection cost and made necessary because of such loss,3) auditor’s charges necessarily and reasonably incurred in substantiating any claim under this extensionProvided that the Insured can substantiate the loss by documentary evidence by an Auditor and the Insurer's maximum liability under this extension shall not exceed_______.This extension applies only with respect to loss of or damage to records of accounts receivable and occurring during the period of insurance.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K16. Suppliers Extension （A）It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the property damage at the premises of the suppliers of the Insured, which leads to the suppliers’ failure to provide the raw materials, commodities or goods in process necessarily for the Insured’s business, shall be deemed to be loss resulting from damage to property used by the Insured at the premises, and the Insurer shall be liable for such loss subject to the conditions of this Policy.For the purpose of this insurance ,Supplier means any individual ,firm ,company, corporation , joint venture or entity from which the Insured directly obtains supplies of commodities, materials, components, goods or services, other than suppliers of public energy and other public facilities.T he Insurer’s liability under this extension shall not exceed ___ for any one supplier and ___ in aggregate during the period of insurance.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K20. Customers/Suppliers /ContractorsIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured resulting from interruption of and interference with the business in consequence of property damage at the customers/suppliers/toll manufacturers’ premises or in the course of construction executed by the contractors shall be deemed to be loss resulting from damage to property used by the insured at the premises.The Insurer’s liability under this extension shall not exceed ___ during the period of insurance.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K21. Unnamed Suppliers/CustomersIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured resulting from interruption of and interference with the business in consequence of damage to the property of the I nsured’s customers or suppliers at their premises in PRC, shall be deemed to be loss resulting from damage to property used by the insured at the premises.The limit of indemnity under this extension clause shall not exceed______.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K22. Bomb Scare (only applied to PDBI)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with Business in consequence of bomb scare shall be deemed to be loss resulting from damage toproperty used by the Insured at the Premises.This clause is subject otherwise to the terms, conditions and exclusions of this Policy.K23. Government action (Not exceeding __ consecutive weeks)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover the loss as insured hereunder resulting directly from the interruption of or interference with the business, due to that the access to any insured premises is prohibited by order of civil authority as a direct result of damage to or destruction of property adjacent to the premises herein described by the peril(s) insured under physical damage insurance (Policy No.: ). T he Insurer’s liability under this extension shall not exceed ___ consecutive weeks, during the period of insurance .This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K24. Public Authority ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, in the event of loss or damage to Property insured under the physical damage insurance, this Policy shall be extended to cover the loss of Gross Profit as may be incurred or expanded solely by reason of the necessity to comply with building or other regulations under or framed in pursuance of any ordinance law, statute, rules or with bye-laws of any relative public authority in the course of repair, reconstruction, or reinstatement.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K33. Departmental ClauseIt is agreed and understood that if the business be conducted in departments the independent trading results of which are ascertainable, the provisions of the item on gross profit shall apply separately to each department affected by the damage except that if the Sum Insured by the said item be less than the aggregate of the sums produced by applying the rate of gross profit for each department of the business (Whether affected by the damage or not) to its relative annual turnover (or to a proportionately increased multiple thereof where the maximum indemnity period exceed twelve (12) months the amount payable shall be proportionately reduced.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.K34. Auditor’s FeesIt is agreed and understood that the auditor of the Insured is authorized to provide the necessary accounting records or any extract or detail of the accounting records for the purpose of the insurer to investigate or verify the claim under this policy. If the auditor happens to be performing seasonal works related with foresaid documents, the accounting/audit report shall be the preliminary supporting documents.This clause is subject otherwise to the terms, conditions and exclusions of this Policy.K35. Accountant’s/Auditor’s FeesIt is agreed and understood that any particulars or details contained in the Insured's books of account or other business books or documents which may be required by the Insurers for the purpose of investigating or verifying any claim hereunder may be produced by professional accountants if at the time they are regularly acting as such for the insured and their report shall be prima facie evidence of the particulars and details to which such report relates.The Insurer shall indemnify the Insured for the reasonable fees aforesaid payable to professional accounts or auditors provided that the sum of the amount payable under this extension shall in no case exceed_____.This clause is subject otherwise to the terms, conditions and exceptions of this Policy.K36. Errors &Omissions （A）It is agreed and understood that the interest of the Insured under this Policy shall not be prejudiced in the event of any unintentional delay or error or omission in reporting new locations acquired or occupied or in reporting any alteration of values of property or in reporting increase of hazard of the property insured or other material facts, provided that such delay, error or omission shall be immediately reported to the Insurer upon such alteration coming to the Insured’s knowledge.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.K37. Errors & Omissions （B）It is agreed and understood that the interest of the Insured under this Policy shall not be prejudiced in the event of any unintentional delay or error or omission in reporting new locations acquired or occupied or in reporting any alteration of values of property or in reporting increase of hazard of the property insured or other material facts, provided that such delay, error or omission shall be immediately reported to the Insurer upon such alteration coming to the Insured’s knowledge and additional premium, if any, shall be charged from the date of such increase of hazard to the expiration of this Policy.Incorrect, defect or wrong valuation shall not be deemed as unintentional errors and omissions.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.2.Restriction ClausesX01. War and Terrorism ExclusionNotwithstanding any provision to the contrary within this insurance or any Endorsement thereto it is agreed that this insurance excludes damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless ofany other cause or event contributing concurrently or in any other sequence to the loss:(1) War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, assuming the proportions of or amounting to an uprising, military or usurped power; or(2) Any act of terrorism.For the purpose of this insurance an act of terrorism means an act, including but not limited to the unlawful use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting along or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes including the intention to influence any government, and/or to put the public, or any section of the public, in fear for such purpose ..This Endorsement also excludes damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and /or (2) above.In the event any portion of this Endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.X02. IT Clarification ClauseProperty damage covered under this Policy means physical damage to the substance of property. Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion corruption or a deformation of the original structure.Consequently the following are excluded from this Policy:Loss of or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered.Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting from such loss or damage.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.X03. Total Asbestos ExclusionIt is hereby understood and agreed that this Policy shall not apply to and does not cover any actual or alleged liability whatsoever for any claim or claims in respect of loss or losses directly。

附件一营业中断保险条款附加条款扩展类及规范类条款一、扩展类 (3)1.附加新企业条款 (3)2.附加通道堵塞条款 (3)3.附加公共事业设备条款 (3)4.附加供应商条款 (4)5.附加购买商条款 (4)6.附加谋杀、传染病和污染条款A (5)7.附加谋杀、传染病和污染条款B (5)8.包括全部营业额条款 (5)9.未保险的维持费用条款 (6)10.共保条款（90%） (6)11.遗失欠款帐册条款 (6)12.当局禁止条款 (6)13.机损险2000年问题除外责任条款 (7)14.营业费用增加条款 (7)15.保险金额自动恢复条款 (7)16.编辑记录及索赔准备费用条款 (7)17.持续损失条款 (7)18.关闭营业处所/设施条款 (8)19.损失确定的费用条款 (8)20.公共设备供应中断条款 (8)21.审计专业费用条款 (8)22.累积存货条款 (9)23.免赔额豁免条款 (9)24.MR811Hull Risk for Mobile Equipment on Premises only (9)25.MR812 Hull Risk for Mobile Equipment Including Inland Transit (9)26.MR813 Internal Fire, Internal Chemical Explosion and Direct Lightning (10)27.MR817 Underground Machinery and Equipment (10)28.MR829 Machinery Breakdown during Guarantee Period (10)29.MR855 Radioactive Isotopes in Instruments (11)30.MR856 Deterioration of Raw Materials, Intermediate or Finished Products, orOperating Media (11)31.MR857 Prolongation of the Interruption Period due to Deterioration (12)32.MR861 Increased Cost of Electricity, Water, Gas or Steam Supply (12)33.MR862 Maximum Demand Charges (12)34.MR863 Additional Expenditure other than Increase in Cost of Working (13)35.MR866 Failure of Public Power, Water, Gas or Steam Supply (13)36.Denial of Access Clause (14)37.Extra Charges Clause (15)38.Failure of Public Utilities Clause (15)d and Unnamed Customers/Suppliers Extension Clause (16)40.Molten Material Clause (16)二、规范类 (17)1.错误和遗漏条款 (17)2.产量条款 (17)3.自动恢复保险金额条款 (17)4.分部门条款 (18)5.每月预付赔款 (18)6.调整保险费条款 (18)7.物质损失放弃免赔条款 (18)8.六十天取消保单条款 (18)9.指定公估人条款 (19)10.独立被保险人条款 (19)11.财务利益关系方条款 (19)12.损失的赔款支付条款 (20)13.损失受益人条款 (20)14.专业会计师条款 (20)15.延迟支付条款 (20)16.预付赔款条款 (20)17.MR842 Non-Destructive Testing (NDT) of Presses, Shears and Similar items withFrames or other Components exposed to High Stresses (21)18.MR843 Overhaul of Electric Motors and Generators (21)19.MR844 Overhaul of Steam, Water and Gas Turbines and Turbo-Generator Sets (22)20.MR845 Inspection and Overhaul of Boilers (23)21.MR891 Delay in Repair (24)22.MR892 Indemnity Period Limits Exceeding 12 Months (24)23.MR893 Proportional Time Excess (24)24.MR894 Sum insured on Unit Price Basis (24)25.Inclusion of All Turnover Clause (25)26.Interdependency Clause (25)27.Premium Adjustment Clause (25)28.Automatic Reinstatement of Sum Insured Clause (26)29.Average Relief Clause (26)30.Loss Notification Clause (26)31.Non-Invalidation Clause (26)32.Payment on Account Clause (27)33.Premium Payment Warranty (60 days) (27)34.30 Days Notice of Cancellation by Insurer Clause (27)一、 扩展类1.附加新企业条款经保险合同双方特别约定，若被保险人在保险期间内发生保险事故时其营业时间尚未超过一年的，保险人按照对毛利润率、标准营业收入和年度营业收入的如下约定计算毛利润损失：一、毛利润率按照被保险人从其营业开始至发生物质保险损失之日止的期间内的毛利润与营业收入的比例计算；二、标准营业收入按照被保险人从其营业开始至发生物质保险损失之日止的期间内的营业收入，乘以赔偿期间与前述期间的比例计算；三、年度营业收入按照被保险人从其营业开始至发生物质保险损失之日止的期间内的营业收入，乘以十二个月与前述期间的比例计算。

概述随着经济全球化进程的不断深入，产业分工越来越细，包括外包（Outsourcing）、及时供货(Just In Time, JIT) 等商业策略使企业大幅度降低营业成本，更加专注于核心事业。

以电子业为例，通过运用模块化设计、简化组装程序、与零配件供应商及物流厂商形成紧密联结的上、下游供应链(Supply Chain)，不但达到了JIT的目标，而且降低了库存风险。

而另一方面，这些商业策略也将供应链紧绷到断裂的边缘，企业如果不正视且潜在的各种风险，万一内部出现财产损失或外部的供应链断裂，存在引起营业中断（Business Interruption）、对企业的经营及商誉造成重大损失的风险。

<营业中断案例>1997年日本某大汽车厂的刹车器唯一供货商发生火灾而全毁，在该汽车厂的及时供货(JIT)系统下刹车器很快就用光。

该汽车厂在日本的18座车厂为此全部停工两周，估计营业中断损失达70,000辆汽车，约合美金3.25亿元。

1998年某大石油公司在澳洲的一座天然气厂因意外爆炸而完全停工，而澳洲维多利亚市98%天然气由此工厂供应。

因此，该市供气中断12天，包括家庭、商业及工业用户全部都受到冲击，估计用户营业损失达13亿澳币。

2007年6月15日，九江大桥23号桥墩被一艘运沙船偏离主航道直接撞击，大桥约200米桥面坍塌。

事故后，虽然受损方——广东省佛开高速公路有限公司九江大桥分公司获得中国人保财险广东省分公司的预付赔款1500万元。

但是，由于未投保“利润损失险”，而只能自背大桥修复期间的2000多万的经营损失。

由上述案例可以看出BI损失的特点：1、BI损失可能远大于直接财产损失。

2、BI风险目前受重视程度不高营业中断保险营业中断保险也称利润损失保险，通常作为企业财产险、机器损坏险的一种附加险种来承保。

财产保险只对保险责任险范围内物质的、直接的损失提供保障，但因物质损毁而引起的间接的损失（如停产、减产、营业中断等造成的经济损失）则不负责任。

险种: 营业中断保险（财产一切险项下）保单格式: 标准营业中断保险条款被保险人: 待投保人提供营业性质: 待投保人提供保障范围: 赔偿被保险人在财产一切险项下承保的风险造成被保财产物质损失所引起的被保险人营业中断的损失保险期限: 共12个月，自年月日零时起至年月日二十四时止（包括首尾两日）被保险人地址: 待投保人提供保险金额: (1) 毛利润包括工作成本的增加RMB(2) 工资RMB(3) 费用RMB合计RMB赔偿期限: 12个月（或24个月）司法管辖: 本保单受中国司法管辖附加条款:本保单包括：1. 90天通知取消保单条款（被保险人通知立即取消保单）2. 自动恢复保险金额条款3. 公共当局条款（赔偿限额：4个持续周）4. 顾客/ 供应商条款（限额：保险金额的10%）5. 通道堵塞条款（每次事故限额RMB500万）6. 部门条款7. 错误和遗漏条款8. 公共事业设备扩展条款9. 包括全部营业额条款10. 指定公估人条款11. 预付赔款（50%）12. 调整保险费条款13. 建筑物承租条款14. 未保险的维持费用条款15. 物质损失放弃免赔条款16. 审计师费用条款免赔: 每次事故3个工作日年费率:保费:备注: 1. 如对被保险项目的定义有争议的，以被保险人财务核算为准。

2. 兹经双方同意，本保单承保被保险人由于发生在物质损失保险合同主险条款、明细表、备忘条款及/或附加险条款/特别条款项下可保的财产损失导致营业中断或中止的损失。

保险公司: 保险公司名称% Line 保单号100特别条款下列特别条款适用于本保险单的各个部分，若其与本保险单的其他规定相冲突，则以下列特别条款为准。

1.90 天通知取消保单条款（被保险人通知立即取消保单）兹经双方同意并约定，本保险单应被保险人的书面通知，可随时终止，保费按短期费率或者最低保费收取。

本保险单也可以在保险人的提前90天通知下终止，保费按日费率计算。

本保险单所载其他条件不变。

营业中断险的物质财产损失标准认定及其合约产品市场化价值导向设计V V 张道充营业中断险是一种财险附加险，主险依附性特征决定其合约设计中的物质财产损失认定是保险理赔的关键。

目前，在国内各大保险公司财险合约设计中，作为衍生附加的营业中断险通常被称为利润损失保险，主要是保障被保险人在遭受有形物质财产损失时，由于重建、重置或修复受损财产造成“营业中断”而带来的无形利润损失。

本文从国内营业中断保险产品理赔困境和产品创新设计的市场化实践出发，重新审视与营业中断险高度相关的物质财产损失认定标准，希望对具有市场竞争力的营业中断险产品开发创新设计有所助益。

一、营业中断保险困局的A、B 公司案例根据当前国内财产主险及其附加的营业中断险合约设计，在财产主险没有损失的情况下，营业中断附加险不理赔，这是保险行业的共识。

基于这一共识，我们先假设有这样一个营业中断的具体案例：A 是一家提供室内游泳服务、日营业额超过2万元、购买有财产险和营业中断附加险的公司，提供符合国家规定标准的游泳用水是A 公司正常营业的法定条件。

2023年5月25日—30日，因供水管道无法完成游泳用水的正常轮换，A 公司不得不暂停营业5天。

在暂停营业5天的时间内，经过系统全面排查，最后发现竟是因为一处用水阀门被一枚1元硬币卡死导致无法正常供水。

供水管道故障发现的过程异常艰难，但维修的过程非常简单，即用合适的钳子取出这枚1元硬币就恢复正常供水。

A 公司的此次营业中断事件，没有直接的物质财产损失，反而因为供水阀门故障处的这1元硬币，给公司账面带来1元钱的收益。

但与之形成强烈反差的是，因为暂停营业5天，A 公司的营业中断损失高达10万元。

因为没有直接的物质财产损失，A 公司即便是有暂停营业5天的客观事实及因此造成的10万元营业中断损失，根据保险合同约定，也无法要求保险公司进行理赔。

当然，形象化假设案例让具体的营业中断损失保险理赔矛盾感十足，现实中会有这样真实的案例吗？北京金融法院2022年11月公布有这样一个营业中断损失赔偿纠纷的真实案例——北京某公司（以下简称B 公司）购买的财产险和营业中断险，保险合同生效的起止时间为2019年4月1日0时至2020年3月31日24时，其中营业中断的保险标的是“营业中断引起的毛利润、租金收入损失及工作成本增加”。

企财险附加法定传染病营业中断损失保险（B）条款总则第一条本条款为中国大地财产保险股份有限公司财产基本险、财产综合险、财产一切险等企财险（以下统称“主险”）的通用附加险条款，只有在投保了主险的基础上，才可以投保本附加险。

凡涉及本附加险合同的约定，均应采用书面形式。

第二条本附加险条款未尽事宜，以主险条款的约定为准；本附加险条款与主险条款若有相抵触之处，以本附加险条款的约定为准保险责任第三条在保险期间内，由于下列原因导致被保险人营业中断或受到干扰，由此产生的赔偿期间内的毛利润损失，保险人按照本保险合同的约定负责赔偿：（一）在保险单载明的被保险人营业场所（以下简称“被保险人营业场所”）内工作的被保险人的雇员被确诊患法定传染病或与患法定传染病者接触，政府主管部门命令该营业场所全部封闭或进行人员隔离；（二）被保险人营业场所周边区域有人员被确诊患法定传染病或与患法定传染病者接触，政府主管部门命令被保险人的营业场所全部封闭或进行人员隔离。

毛利润按照下述公式之一计算确定，具体以保险单载明的为准：毛利润=营业利润+约定的维持费用，或毛利润=约定的维持费用-营业亏损×约定的维持费用/全部的维持费用约定的维持费用由投保人与保险人在订立本附加险合同时协商确定，并在保险单中载明。

除另有约定外，上述毛利润计算公式所用的会计措辞的含义为被保险人会计账表中的含义。

第四条发生第三条约定的保险事故后，被保险人申请赔偿时，按照保险人的要求提供有关账表、账表审计结果或其他证据所付给被保险人聘请的注册会计师的必要的、合理的费用（以下简称“审计费用”），保险人按照本附加险合同的约定也负责赔偿。

责任免除第五条被保险人违反国家有关传染病防治的法律法规，不服从、不配合或者拒绝执行政府或相关部门的防疫管控决定、命令或者措施等行为造成的损失、费用，保险人不负责赔偿。

第六条当地政府由于疫情发布全省、市、区或县整体停工通知而造成的被保险人的营业中断损失，保险人也不负责赔偿。