董事、监事及高级管理人员职业责任保险条款

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.。

保险公司董事、监事和高级管理人员任职资格管理规定2010-01-26 【字体：大中小】【打印本页】【关闭窗口】中国保险监督管理委员会令2010年第2号《保险公司董事、监事和高级管理人员任职资格管理规定》已经2009年12月29日中国保险监督管理委员会主席办公会审议通过，现予公布，自2010年4月1日起施行。

主席吴定富二○一○年一月八日保险公司董事、监事和高级管理人员任职资格管理规定第一章总则第一条为了加强和完善对保险公司董事、监事和高级管理人员的管理，保障保险公司稳健经营，促进保险业健康发展，根据《中华人民共和国保险法》（以下简称《保险法》）和有关法律、行政法规，制定本规定。

第二条中国保险监督管理委员会（以下简称中国保监会）根据法律和国务院授权，对保险公司董事、监事和高级管理人员任职资格实行统一监督管理。

中国保监会的派出机构根据授权负责辖区内中资保险公司分支机构高级管理人员任职资格的监督管理，但中资保险公司新设省级分公司总经理任职资格核准除外。

第三条本规定所称保险公司，是指经保险监督管理机构批准设立，并依法登记注册的商业保险公司。

本规定所称保险公司分支机构，是指经保险监督管理机构批准，保险公司依法设立的分公司、中心支公司、支公司、营业部和营销服务部以及各类专属机构。

专属机构高级管理人员任职资格管理和营销服务部负责人的任职管理,由中国保监会另行规定。

本规定所称保险机构，是指保险公司及其分支机构。

第四条本规定所称高级管理人员，是指对保险机构经营管理活动和风险控制具有决策权或者重大影响的下列人员：（一）总公司总经理、副总经理和总经理助理；（二）总公司董事会秘书、合规负责人、总精算师、财务负责人和审计责任人；（三）分公司、中心支公司总经理、副总经理和总经理助理；（四）支公司、营业部经理；（五）与上述高级管理人员具有相同职权的管理人员。

第五条保险机构董事、监事和高级管理人员，应当在任职前取得中国保监会核准的任职资格。

保险法释义第⼀百七⼗三条第⼀百七⼗三条【对违法⾏为负有直接责任的⾼级管理⼈员和其他直接责任⼈员的法律责任】保险公司、保险资产管理公司、保险专业代理机构、保险经纪⼈违反本法规定的，保险监督管理机构除分别依照本法第⼀百六⼗⼀条⾄第⼀百七⼗⼆条的规定对该单位给予处罚外，对其直接负责的主管⼈员和其他直接责任⼈员给予警告，并处⼀万元以上⼗万元以下的罚款;情节严重的，撤销任职资格或者从业资格。

【释义与适⽤】本条是对违反《保险法》规定尚未构成犯罪的⾏为负有直接责任的保险公司⾼级管理⼈员和其他直接责任⼈员应承担的法律责任的规定。

本条由原保险法第150条修订⽽成。

⼀、保险类机构的违法⾏为，其机构董监事和⾼管需要承担法律责任1、保险公司的违法⾏为。

保险公司违法属于法⼈违法。

法⼈违法是指法⼈意思表⽰机关的⾏为违法。

保险公司的意思表⽰机关是由保险公司的董事、监事、经理等⾼级管理⼈员组成的经营管理机关。

因此，保险公司违法，除保险公司要承担法律责任外，对违法⾏为负有直接责任的保险公司的⾼级管理⼈员和其他直接责任⼈员也要承担相应的法律责任。

保险公司的违法⾏为，构成犯罪的，对该犯罪⾏为负有直接责任的保险公司⾼级管理⼈员和其他直接责任⼈员，依照《刑法》的有关规定处罚;尚未构成犯罪的，对该违法⾏为负有直接责任的保险公司的⾼级管理⼈员和其他直接责任⼈员，依照本条规定，由保险监督管理机构区别不同情况予以警告，责令予以撤换，处以2万元以上10万元以下的罚款或者取消直接负责的董事、监事、⾼级管理⼈员⼀定期限直⾄终⾝的任职资格，对其他责任⼈员责令予以撤换;情节严重的，禁⽌直接负责的董事、监事、⾼级管理⼈员和其他直接责任⼈员⼀定期限直⾄终⾝进⼊保险业。

根据《保险法》的规定，保险公司有下列违反《保险法》的规定的⾏为之⼀，尚未构成犯罪的，对各该⾏为负有直接责任的保险公司⾼级管理⼈员和其他直接责任⼈员应当依照本条规定处罚：(1)违反保险法第114条第2款规定，拒不履⾏保险合同约定的赔偿或者给付保险⾦义务的;(2)超额承保的;(3)为⽆民事⾏为能⼒承保以死亡为给付保险⾦条件的保险的;(4)未按照《保险法》第97条规定提存保证⾦的，或者违反这条规定动⽤保险⾦的;(5)违反《保险法》第67条的规定，未经批准，擅⾃设⽴保险公司;(6)违反《保险法》第74条规定，未经批准，擅⾃设⽴分⽀机构的;违反《保险法》第79条规定，保险公司在境外未经保监会批准擅⾃设⽴⼦公司、分⽀机构、代表机构;违反保险法第80条规定，外国保险机构在境内擅⾃设⽴代表机构;(7)违反《保险法》第84条规定，未经批准，擅⾃变更保险公司名称、章程、注册资⾦、公司或者分⽀机构的营业场所等事项，或者分⽴、合并的;(8)违反《保险法》第95条规定，超出保险监督管理机构核定的业务范围从事经营活动的;(9)未按照《保险法》第98条规定提取和结转各项责任准备⾦的;(10)未按照《保险法》第99条规定提取公积⾦的;(11)未按照《保险法》第100条规定提取保险保障基⾦的;(12)违反《保险法》第105条规定办理再保险的;(13)违反《保险法》第106条规定利⽤保险公司资⾦的;(14)未按照《保险法》第136条规定，将应当报送保险监督管理机构审批或者备案的保险条款和保险费率报送审批或者备案的;(15)违反《保险法》第116条规定，保险公司及其⼯作⼈员从事欺骗投保⼈、被保险⼈或者受益⼈、对投保⼈隐瞒与保险合同有关的重要情况、阻碍投保⼈履⾏本法规定的如实告知义务，或者诱导其不履⾏本法规定的如实告知义务、给予或者承诺给予投保⼈、被保险⼈、受益⼈保险合同约定以外的保险费回扣或者其他利益、违反《保险法》规定，挪⽤、截留侵占保险费、利⽤保险代理⼈、保险经纪⼈或者保险公估机构，从事以虚构保险中介业务或者编造退保等⽅式套取费⽤等违法活动、利⽤未取得合法资格的机构或者个⼈从事保险销售活动的。

明细表_______________________________________________________________________________第一项投保人：第二项投保人地址：第三项业务范围：第四项保险期间：第五项赔偿限额（一）每次赔偿请求限额：（二）累计赔偿限额：第六项免赔额：第七项保险费：第八项追溯日：第九项此前及待决的诉讼日：第十项地域范围：第十一项司法管辖范围：第十二项特别约定：第十三项索赔/可赔情形的通知：第十四项仲裁机构：华泰财产保险股份有限公司职业责任保险鉴于投保人已向保险人提交投保书并同意在约定时间内缴纳本保险合同明细表第七项所载的保险费，保险人将依本保险合同的约定，同意：一、保险责任____________________________________________________________________________________________________________________________第一条被保险人由于提供的专业服务中存在或被指控存在不当行为，致使被保险人在保险期间内遭受首次提出的赔偿请求，投保人或被保险人根据第十八条的规定以书面形式通知保险人，则保险人根据本条款的有关规定补偿被保险人因该赔偿请求所造成的损失。

二、扩展责任____________________________________________________________________________________________________________________________第二条继承人、遗产管理人及法定代理人扩展责任如被保险人死亡、丧失行为能力或破产，被保险人的继承人、遗产管理人及法定代理人因被保险人提供的专业服务中存在或被指控存在不当行为，依法对保险期间内遭受首次提出的赔偿请求负赔偿责任，被保险人的继承人、遗产管理人及法定代理人根据第十八条的规定以书面形式通知保险人，则保险人根据本条款的有关规定补偿被保险人的继承人、遗产管理人及法定代理人因该赔偿请求所造成的损失。

中国银保监会有关部门负责人就《保险公司董事、监事和高级管理人员任职资格管理规定》答记者问文章属性•【公布机关】中国银行保险监督管理委员会,中国银行保险监督管理委员会,中国银行保险监督管理委员会•【公布日期】2021.06.21•【分类】问答正文中国银保监会有关部门负责人就《保险公司董事、监事和高级管理人员任职资格管理规定》答记者问银保监会近日印发《保险公司董事、监事和高级管理人员任职资格管理规定》（以下简称《保险高管规定》）。

银保监会有关部门负责人回答了记者提问。

一、发布《保险高管规定》的背景是什么？保险公司董事、监事和高级管理人员是保险机构公司治理的重要组成部分，对公司运营、业务开展、风险管理等具有十分重要的影响。

为规范保险业高管人员管理，调整优化审批范围和任职条件，引导保险公司完善用人标准、提高公司治理水平，同时适应监管形势需求，进一步落实简政放权要求，提高监管质效，银保监会发布了《保险高管规定》。

二、《保险高管规定》对任职资格审批范围作出了哪些主要修改？首先，《保险高管规定》将部分职位由任职资格审批改为报告管理。

省级分公司以外的其他分公司、中心支公司副总经理及总经理助理，支公司、营业部经理不再作为“高级管理人员”进行任职资格审批。

其次，已取得任职资格核准的高管人员，在任职中断时间未满1年的情况下，如果拟兼任、转任、调任职务对经济及金融从业年限的要求、对任职经历的要求以及对专业资格的要求均不高于原职务，可在全国范围内同类保险公司担任同级或下级机构职务，不再需要重新核准，只需按规定报告。

例如，经任职资格审批主持工作的副总经理调任同一保险公司总经理，总经理助理调任、兼任同一保险公司副总经理或转任同类保险公司总经理助理、副总经理，均不再需要重新核准。

三、《保险高管规定》对由审批改为报告管理的职位作出了哪些管理要求？为配合《保险高管规定》实施，我会制定了配套规范性文件《中国银保监会办公厅关于加强保险公司省级分公司以下分支机构负责人管理的通知》，对相关人员报告管理制度作出了明确规定。

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费率表
01.附加外派董事、监事及高级管理人员责任保险条款
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%。

02.附加被保险人的继承人或法定代理人责任保险条款
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%。

03.董事及高级管理人员个人第三者责任条款
本条款项下承担的赔偿责任不超过以下列明的限额。

本保险单所载其他条件不变.
每次事故赔偿限额:
累计事故赔偿限额:
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%。

中国保险监督管理委员会关于印发《保险公司董事、监事及高级管理人员培训管理暂行办法》的通知文章属性•【制定机关】中国保险监督管理委员会(已撤销)•【公布日期】2008.04.15•【文号】保监发[2008]27号•【施行日期】2008.04.15•【效力等级】部门规范性文件•【时效性】现行有效•【主题分类】保险正文中国保险监督管理委员会关于印发《保险公司董事、监事及高级管理人员培训管理暂行办法》的通知（保监发〔2008〕27号）各保险公司、保险资产管理公司，各保险中介机构：为加强保险公司董事、监事及高级管理人员队伍建设，规范保险公司董事、监事及高级管理人员行为，强化风险意识、创新意识和诚信意识，推动保险公司规范运作，依据《中华人民共和国公司法》、《中华人民共和国保险法》及中国保监会有关规章制度，我会制定了《保险公司董事、监事及高级管理人员培训管理暂行办法》，现印发给你们，请遵照执行。

二○○八年四月十五日保险公司董事、监事及高级管理人员培训管理暂行办法第一章总则第一条为加强保险公司董事、监事及高级管理人员队伍建设，规范保险公司董事、监事及高级管理人员行为，强化风险意识、创新意识和诚信意识，推动保险公司规范运作，依据《中华人民共和国公司法》、《中华人民共和国保险法》及中国保监会有关规章制度，制定本办法。

第二条本办法所称保险公司高级管理人员是指：（一）保险公司总公司总经理、副总经理、总经理助理；（二）保险公司总公司财务负责人、合规负责人、总精算师、董事会秘书；（三）保险公司分支机构负责人；（四）中国保监会认为应当参加培训的其他高级管理人员。

保险资产管理公司及保险中介机构的董事、监事及高级管理人员的培训参照本办法执行。

第三条保险公司董事、监事及高级管理人员培训工作应当遵循以下原则：（一）分类培训，按需施教。

根据培训对象职务和工作性质的不同，分级分类地开展培训，增强培训的针对性和实效性。

（二）联系实际，学以致用。

永安财产保险股份有限公司董事、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。

第二条本保险的被保险人包括被保险个人、被保险公司，依照本保险合同的约定享有相应的保障。

保险责任第三条董事、监事和高级管理人员的补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，由于单独或共同的过失行为致使第三者受到经济损失，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，且被保险个人不能够从被保险公司获取补偿的损失，保险人按本保险合同的约定负责补偿。

保险人肩负上述补偿责任时，以被保险个人引起索赔的过失行为发生于保险单约定的追想今后，并且第三者在保险期间内首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补偿责任被保险个人因过失行为被提起索赔时，其配偶如因配偶身份或因与被保险个人共同拥有财产而被连带提起索赔或被执行财产，保险人对其配偶的损失视同被保险个人的损失，按本保险合同的约定负责补偿。

但因被保险个人配偶自己的过失行为所致的补偿责任，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、失去完满民事行为能力、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在执行职务过程中的过失引起的，保险人将该索赔视同第三者对被保险个人的索赔，按本保险合同的约定负责补偿。

第六条法律花销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也许诉讼的，对应由被保险人支付的仲裁或诉讼花销以及早先经保险人书面赞成支付的其他必要的、合理的花销（以下简称“法律花销”），保险人依照本保险合同约定也负责补偿。

责任免除第七条以下原因造成的损失、花销和责任，保险人不负责补偿：（一）投保人、被保险人及其代表的故意行为、欺诈行为、犯罪行为或重要过失；（二）战争、敌对行动、军事行为、武装矛盾、歇工、混乱、暴乱、惧怕活动；（三）核辐射、核爆炸、核污染及其他放射性污染；（四）大气污染、土地污染、水污染及其他各种污染；（五）行政行为或司法行为；（六）被保险个人因获知其他交易者无法得知的内幕信息，而买卖被保险公司的证券获取不当得利、非法表露内幕信息的行为；（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、贿赂、支付款项、佣金的行为；（八）被保险个人、被保险公司对任何单位和个人供应担保；（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、分红、职工福利基金或其他职工福利项目时违反职责或义务的行为；（十）在本保险单见效日前，已经发生且被保险个人亦已知悉或应该知悉的过失行为；（十一）盗窃、抢劫；（十二）地震、雷击、暴雨、洪水等自然灾害。

保险公司董事、监事和高级管理人员任职资格管理规定（保监会令2014年第1号，2014年1月23日）第一章总则第一条为了加强和完善对保险公司董事、监事和高级管理人员的管理，保障保险公司稳健经营，促进保险业健康发展，根据《中华人民共和国保险法》（以下简称《保险法》）和有关法律、行政法规，制定本规定。

第二条中国保险监督管理委员会（以下简称中国保监会）根据法律和国务院授权，对保险公司董事、监事和高级管理人员任职资格实行统一监督管理。

中国保监会的派出机构根据授权负责辖区内保险公司分支机构高级管理人员任职资格的监督管理，但中资再保险公司分公司和境外保险公司分公司除外。

第三条本规定所称保险公司，是指经保险监督管理机构批准设立，并依法登记注册的商业保险公司。

本规定所称保险公司分支机构，是指经保险监督管理机构批准，保险公司依法设立的分公司、中心支公司、支公司、营业部和营销服务部以及各类专属机构。

专属机构高级管理人员任职资格管理和营销服务部负责人的任职管理，由中国保监会另行规定。

本规定所称保险机构，是指保险公司及其分支机构。

第四条本规定所称高级管理人员，是指对保险机构经营管理活动和风险控制具有决策权或者重大影响的下列人员：（一）总公司总经理、副总经理和总经理助理；（二）总公司董事会秘书、合规负责人、总精算师、财务负责人和审计责任人；（三）分公司、中心支公司总经理、副总经理和总经理助理；（四）支公司、营业部经理；（五）与上述高级管理人员具有相同职权的管理人员。

第五条保险机构董事、监事和高级管理人员，应当在任职前取得中国保监会核准的任职资格。

第二章任职资格条件第六条保险机构董事、监事和高级管理人员应当遵守法律、行政法规和中国保监会的有关规定，遵守保险公司章程。

第七条保险机构董事、监事和高级管理人员应当具有诚实信用的品行、良好的合规经营意识和履行职务必需的经营管理能力。

第八条保险机构董事、监事和高级管理人员应当通过中国保监会认可的保险法规及相关知识测试。

样本美亚财产保险有限公司董监事及高级管理人员责任保险条款第一条 承保范围一. 董事与高级管理人员责任保险本公司对任何被保险人因履行被保险公司董事、高级管理人员或雇员职责时的不当行为而在保险期间内首次遭受赔偿请求所导致的损失负责赔偿，但被保险公司已经补偿被保险人损失的金额除外。

二. 公司补偿保险本公司对被保险公司因被保险人履行被保险公司董事、高级管理人员或雇员职责时的不当行为而在保险期间内首次遭受赔偿请求所导致的被保险公司的损失负责赔偿，但应以被保险公司已经补偿被保险人损失的金额为限。

本公司依照本保险合同的规定，在赔偿请求最终解决前，预付因此所产生的抗辩费用。

第二条 定义本保险合同内所使用的名词，其定义如下：一、“关联企业”：指在保险期间起始日或之前，其已发行的有表决权的股份中超过百分之二十但少于或等于百分之五十的股份, 为投保人直接持有或经由其一间或多间子公司间接持有的公司。

二、“赔偿请求”：指1.任何个人或组织因请求给予金钱赔偿或其他救济（包括非金钱的救济）对被保险人所提起的诉讼或其他法律程序； 2.任何个人或组织要求被保险人对特定不当行为的结果承担责任的书面请求； 3.任何针对被保险人提起的刑事诉讼； 4. 任何针对被保险人的特定不当行为提起的行政程序、监管程序或官方调查。

样本可归因于单一不当行为，或由其所产生，或以其为基础的任何单次或多次的赔偿请求，在本保险合同下应被视为单一赔偿请求。

三、“被保险公司”：指保险单的第一项所载的投保人及在不当行为发生日前，在公司组织结构图或类似文件中详细载明并经投保人或其子公司认可的子公司、分部、部门、区域性机构、生产群体或其他的公司内部单位。

四、“连续承保日”：指保险单第六项所记载的日期。

待决及以前的诉讼的连续承保日是指投保人连续向本公司或其它保险公司投保本类保险的首日，或其它经本公司同意的日期。

如按向其它保险公司连续投保之首日计算，投保人应在本保险合同起始日时向本公司提供其向该保险公司提交的首份投保书，且以本公司接受为条件。

股份有限公司董事、监事、高级管理人员问责制（试行）条例第一章总则第一条某财产保险股份有限公司（下称：公司）为了完善法人治理，健全奖惩激励机制，促进公司管理层恪尽职守，提高公司决策与经营管理水平，建设廉洁、务实、高效的管理团队，根据《公司法》、《监察法》、《公司章程》之规定，特制定本条例。

第二条为完善公司内控体系的建设，公司董事会、监事会、经营管理层需按《公司章程》之规定规范运作。

第三条公司推行问责制，问责制是指对公司董事会、监事会、经营管理层的高级管理人员在其所管辖的部门及工作职责范围内，因其故意、过失或不作为给公司造成不良影响和后果的行为，进行责任追究的制度。

第四条问责的对象为公司董事、监事和公司高级管理人员（下称：被问责人）。

第五条问责制坚持追究过错与责任相对应、问责与改进工作相结合、教育与惩戒相结合的原则。

第二章问责范围第六条被问责人有下列情形之一的，应追究其责任：（一）不能履行董事、监事职责，无故不出席会议，不执行董事会或监事会决议的；（二）经公司董事会审议通过的工作计划中明确规定应由其承担的工作任务及工作要求，因工作不力未完成的；（三）未认真履行董事会决议、总裁办公会决议及交办的工作任务，影响公司整体工作计划的；（四）未能认真履行其职责，管理松懈，措施不到位或不作为，导致工作目标、工作任务不能完成影响公司总体工作的，具体为分管的主要工作目标年度预算达成率低于80%；（五）违反法律法规及公司章程规定给公司造成不良影响和重大损失的；（六）重大事项违反决策程序，主观盲目决策，造成重大经济损失；重要建设工程项目存在严重质量问题，造成重大损失或恶劣影响的；（七）弄虚作假或虚报、瞒报、迟报重大突发事件和重要情况的；（八）管理不作为，导致其管理的下属部门或人员发生严重违法违纪行为，造成严重后果或恶劣影响的；对下属部门或人员滥用职权徇私舞弊等行为包庇、袒护、纵容的；（九）对所管理的部门发生严重腐败现象及违法乱纪行为和失职、赎职等情形，负有领导责任的；（十）违反公司信息披露相关规定的；（十一）因对签订合同过程中存在瑕疵，导致公司蒙受重大损失的；（十二）依照公司章程规定应问责的其它事项。

中国保险监督管理委员会令2010年第2号《保险公司董事、监事和高级管理人员任职资格管理规定》已经2009年12月29日中国保险监督管理委员会主席办公会审议通过，现予公布，自2010年4月1日起施行。

主席吴定富二○一○年一月八日保险公司董事、监事和高级管理人员任职资格管理规定第一章总则第一条为了加强和完善对保险公司董事、监事和高级管理人员的管理，保障保险公司稳健经营，促进保险业健康发展，根据《中华人民共和国保险法》(以下简称《保险法》）和有关法律、行政法规，制定本规定.第二条中国保险监督管理委员会(以下简称中国保监会）根据法律和国务院授权,对保险公司董事、监事和高级管理人员任职资格实行统一监督管理。

中国保监会的派出机构根据授权负责辖区内中资保险公司分支机构高级管理人员任职资格的监督管理，但中资保险公司新设省级分公司总经理任职资格核准除外.第三条本规定所称保险公司，是指经保险监督管理机构批准设立，并依法登记注册的商业保险公司.本规定所称保险公司分支机构，是指经保险监督管理机构批准，保险公司依法设立的分公司、中心支公司、支公司、营业部和营销服务部以及各类专属机构。

专属机构高级管理人员任职资格管理和营销服务部负责人的任职管理，由中国保监会另行规定。

本规定所称保险机构,是指保险公司及其分支机构.第四条本规定所称高级管理人员，是指对保险机构经营管理活动和风险控制具有决策权或者重大影响的下列人员:(一)总公司总经理、副总经理和总经理助理;（二)总公司董事会秘书、合规负责人、总精算师、财务负责人和审计责任人；(三）分公司、中心支公司总经理、副总经理和总经理助理;（四)支公司、营业部经理；(五)与上述高级管理人员具有相同职权的管理人员.第五条保险机构董事、监事和高级管理人员，应当在任职前取得中国保监会核准的任职资格.第二章任职资格条件第六条保险机构董事、监事和高级管理人员应当遵守法律、行政法规和中国保监会的有关规定,遵守保险公司章程。

董监高责任险合同模板一、被保险人信息1.1 被保险人名称被保险人是指董事、监事、高级管理人员。

1.2 被保险人地址被保险人地址是指董事、监事、高级管理人员的居住地址或工作地址。

1.3 被保险人职务被保险人职务是指董事、监事、高级管理人员在公司中所担任的职位。

二、保险期限2.1 起保日期保单的起保日期是指保险责任生效的日期。

2.2 终止日期保单的终止日期是指保险责任终止的日期。

三、保险责任3.1 责任限额保险公司对于董事、监事、高级管理人员所承担的风险所提供的最大赔偿金额。

3.2 保险责任范围保险责任范围包括董事、监事、高级管理人员在履行职务过程中可能遭受的经济损失，包括但不限于因差错行为、管理失职、疏忽漏报等导致的损失。

四、保险费及支付方式4.1 保险费被保险人需要支付保险公司的保险费用。

4.2 支付方式被保险人可以选择一次性支付保险费用或分期支付。

4.3 保险费支付期限保险费支付期限是指被保险人需要在指定的日期前支付保险费用。

五、保险事故处理5.1 报案被保险人发生保险事故后，应立即向保险公司报案。

5.2 理赔流程在报案后，被保险人需要提供相关的证明材料，并按照保险公司的要求进行理赔流程。

5.3 理赔金额计算理赔金额根据保险责任范围和责任限额进行计算。

六、其他条款6.1 免赔额保险公司规定的免赔额是指在保险事故发生时，被保险人需要自行负担的金额。

6.2 附加条款根据被保险人的需求，可以增加额外的附加条款。

6.3 争议解决对于保险事故中的争议问题，双方可以通过友好协商或仲裁等方式解决。

七、特别约定7.1 其他特别约定根据被保险人的需求，可以增加其他特别约定。

八、法律适用和管辖8.1 法律适用本合同适用中国法律。

8.2 管辖法院对于本合同的争议，双方同意提交至合同签订地的人民法院解决。

以上是董监高责任险合同模板的内容，合同内容可以根据具体情况进行调整和完善。

请根据实际情况填写相应的信息，并确保合同的合法性和有效性。

明细表_____________________________________________________________________________保险合同号码:第一项 投保人：投保人地址：第二项 被保险公司：被保险公司地址：第三项 保险期间： 从:到:(第一项所载地址的当地时间)第四项 每次及累计赔偿限额:第五项 免赔额第六项 保险费：第七项 待决或以前的诉讼日：第八项 特别约定：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限内被保险人依法对第三者应承担的经济赔偿责任。

1.保险责任在保险期限内，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）。