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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 Cancellation 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 Insured’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. Au ditor’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。
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中国人民财产保险股份有限公司营业中断保险附加险条款（2009 版）本条款是《中国人民财产保险股份有限公司营业中断保险（2009版）》（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K16. 审计师条款K17. 通道受阻条款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、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，兹约定，依据本保险合同的条件，如果邻近营业处所的财产遭受（在此定义的）损坏，阻止或妨碍对营业处所的使用或进入，使营业中断或受到干扰，引起本保险合同所承保的损失，则不论营业处所或其内的被保险人财产是否遭受损坏，这项损失均应视作被保险人在营业处所使用的财产遭受损坏所引起的损失。
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。
![人保(备案)[2009]N276号-家财险附加险条款(2009版)的费率](https://img.taocdn.com/s1/m/48b97a69fd0a79563d1e7248.png)
中国人民财产保险股份有限公司家财险附加险费率表FJ01.龙卷风、暴风、暴雨、雪灾、冰凌附加保险费率表一、基本费率龙卷风、暴风、暴雨、雪灾、冰凌附加保险的年费率是0.1~0.2‰。
二、费率说明以及保险费计算龙卷风、暴风、暴雨、雪灾、冰凌附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率三、其他事项龙卷风、暴风、暴雨、雪灾、冰凌附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
FJ02. 雹灾附加保险条款（2009版）一、基本费率雹灾附加保险的年费率是0.05~0.1‰。
二、费率说明以及保险费计算雹灾附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率。
三、其他事项雹灾附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
FJ03. 洪水附加保险条款（2009版）一、基本费率洪水附加保险的年费率是0.1~0.2‰。
二、费率说明以及保险费计算洪水附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率。
三、其他事项洪水附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
FJ04. 泥石流、崖崩、突发性滑坡、地面突然下陷附加保险条款（2009版）一、基本费率泥石流、崖崩、突发性滑坡、地面突然下陷附加保险的年费率是0.1~0.2‰。
二、费率说明以及保险费计算泥石流、崖崩、突发性滑坡、地面突然下陷附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率三、其他事项泥石流、崖崩、突发性滑坡、地面突然下陷附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
中国人民财产保险股份有限公司公众责任保险条款（1999版）（2009年9月18日中国保险监督管理委员会核准备案，编号：人保（备案）[2009]N304号）总则第一条本保险合同由保险条款、投保单、保险单以及批单组成。
凡涉及本保险合同的约定，均应采用书面形式。
第二条凡依法设立的企事业单位、社会团体、个体工商户、其他经济组织及自然人，均可作为被保险人。
保险责任第三条在本保险有效期限内，被保险人在本保险单明细表中列明的地点范围内依法从事生产、经营等活动以及由于意外事故造成下列损失或费用，依法应由被保险人承担的民事赔偿责任，保险人负责赔偿：（一）第三者人身伤亡或财产损失；（二）事先经保险人书面同意的诉讼费用；（三）发生保险责任事故后，被保险人为缩小或减少对第三者人身伤亡或财产损失的赔偿责任所支付的必要的、合理的费用。
保险人对上述第（一）与第（二）项的每次事故赔偿总金额不超过本保险单明细表中列明的每次事故赔偿限额；如本保险合同约定了每人人身伤亡赔偿限额的，保险人对每次事故每人人身伤亡的赔偿金额不超过每人人身伤亡赔偿限额。
保险人对上述第（三）项的每次事故赔偿金额不超过本保险单明细表中列明的每次事故赔偿限额。
在保险期限内，保险人对被保险人的累计赔偿总金额不得超过本保险单明细表中列明的累计赔偿限额。
责任免除第四条下列原因造成的损失、费用和责任，保险人不负责赔偿：（一）被保险人及其代表的故意或重大过失行为；（二）战争、敌对行为、军事行为、武装冲突、罢工、骚乱、暴动、盗窃、抢劫；（三）政府有关当局的没收、征用；（四）核反应、核子辐射和放射性污染；（五）地震、雷击、暴雨、洪水、火山爆发、地下火、龙卷风、台风、暴风等自然灾害；（六）烟熏、大气、土地、水污染及其他污染；（七）锅炉爆炸、空中运行物体坠落；（八）直接或间接由于计算机2000年问题引起的损失。
第五条被保险人的下列损失、费用和责任，保险人不负责赔偿：（一）被保险人或其代表、雇佣人员人身伤亡的赔偿责任，以及上述人员所有的或由其保管或控制的财产的损失；（二）罚款、罚金或惩罚性赔款；（三）被保险人根据与他人的协议应承担的责任，但即使没有这种协议，被保险人依法仍应承担的责任不在此限。
中国人民财产保险股份有限公司机器损坏保险附加险条款本条款是中国人民财产保险股份有限公司机器损坏保险（2009版）（以下简称“主险”）的附加险条款。
本附加险条款未约定事项，以主险条款为准；主险条款与本附加险条款相抵触之处，以本附加险条款为准。
投保人可以选择其中的某一个、某几个或全部附加险条款投保。
一、扩展类(K)K01 罢工、暴乱、民众骚动损失条款K02 自动恢复保险金额条款K03 清除残骸费用条款K04 特别费用条款K05 空运费条款K06 专业费用条款K07 电动马达检修条款K08 蒸汽、水、气体涡轮机及涡轮发电机条款K09 锅炉爆炸、倒塌保险扩展条款K10安装设备扩展条款K11重新安装条款K12传送带、刀具扩展条款K13场外维修及改造条款K14索赔费用条款K15试车条款/调试条款K16突然及意外放射性污染条款K17污染清理条款二、规范类(G)G01资产增加条款G02保险单制作人条款G03标题条款G04抢险施救条款G05取费标准条款G06完全置换条款一、扩展类(K)K01罢工、暴乱、民众骚动损失条款本保险扩展承保在本保险单明细表中列明的地点、范围内由于罢工、暴乱、民众骚动以及在此期间因发生抢劫造成被保险财产的损失。
但本扩展条款对由于政府或公共当局的命令、没收、征用或拆毁造成的损失以及罢工、暴乱、民众骚动中的纵火所致的损失不负责赔偿。
本保险单所载其他条件不变。
K02自动恢复保险金额条款兹经双方同意，保险人对受损的被保险财产予以赔偿后，原保险金额自动恢复，但被保险人应按日比例补交从发生损失之日起至保险单终止之日止恢复保额部分的保险费。
本保险单所载其他条件不变。
K03清除残骸费用条款兹经双方同意，保险人负责赔偿被保险人因本保险单承保的风险造成被保险财产的损失而发生的清除、拆除及支撑受损财产的费用，但不得超过本保险单明细表中列明的限额。
本保险单所载其他条件不变。
K04特别费用条款兹经双方同意，鉴于被保险人已缴付附加的保险费，本保险扩展承保下列特别费用，即：加班费、夜班费、节假日加班费以及快运费(不包括空运费)，该特别费用须与本保险单项下予以赔偿保险项目的损失有关。
XXX财产保险股份有限公司
营业中断保险（2009版）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。
中国人民财产保险股份有限公司营业中断保险附加险条款（2009版）本条款是《中国人民财产保险股份有限公司营业中断保险（2009版）》（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。
K03.通道堵塞条款兹约定，由于邻近营业处所的财产遭受(本保险合同所限定的)损坏，使营业中断或受到干扰，因而导致本保险合同所承保的损失而上述损坏将阻碍该财产的使用或堵塞其通道口，则不论营业处所或被保险人在营业处所内的财产是否遭受损失，这项损失均应视作由于被保险人在营业处所使用的财产遭受损坏所造成的损失。
本条除上述规定外，其他均以本保险合同所载条款为准。
K04.谋杀等条款兹约定，本保险合同所列明的“损失”一词应具有下列含义：(1)由于营业处所发生传染病，而取消客房预订或不能接受预订；(2)在营业处所发生谋杀或自杀；(3)旅馆客人由于食用营业处所提供的变质或受病菌感染的食物或饮料而致伤害或引起疾病；(4)由于营业处所的排水设施及其他卫生设备发生缺陷，遵照主管当局指示，关闭全部或部分营业处所。
保险人对每次事故损失所引起的本条款项下的索赔，不负责事故发生后头三天的损失。
被保险人务必注意使一切物件适合其原定用途，并应克尽职责，使营业处所避免发生上述意外事件，是保险人负担任何赔偿责任的先决条件。
本条除上述规定外，其他均以本保险合同所载条款为准。
K05.公众事业设备扩展条款兹约定，如未发生本保险合同所承保的损失，其原因是由于向被保险人营业处所供电，供气或供水的发电站，煤气厂或自来水厂不能供应电、气或水，使被保险人在本保险合同指定的处所经营的业务中断或受到干扰所致，而不能供应电、气或水是直接由于被保险人获得这些供应的发电站或公共供电单位分站的财产遭受的损失(本保险合同的定义)所致，则这项损失应视为被保险人在营业处所使用的财产遭受损坏所造成的损失。
但保险人对下列损失不负责任：政府、市政或地方当局或供应部门不是单纯为了保护人民生命安全或保障供应系统的其任何部分的有意行为所造成的任何损失，或上述任何当局或部门不是单纯出于供应单位的发电或供应设施，遭受所保风险造成损坏的需要，而行使其停止，限量或按配额供电、供气、供水的权力，因而造成的任何损失。
就上述扩展责任而言，对由于或归因于一种来源或原因所致的每项损失或一系列损失的赔偿期限如下：自发生损失之日起，至此后不迟于六十天为止并由于发生损失而营业受到影响的一段时间。
但除非每次停止供电、供气、供水持续二十四小时以上，否则保险人对由此而发生的任何损失不负责任。
保险人对上述每次停止供应的头二十四小时所遭受的任何损失也不负责任。
在任何起诉或诉讼中，如保险人认定，由于本条规定，损失或损坏不在本保险所保的范围以内，被保险人应负举反证的责任。
本条除上述规定外，其他均以本保险合同所载条款为准。
K06.遗失欠款账册条款兹约定，在本保险合同各项保险金额的限度以内，如果因本保险所承保的风险，保存在营业处所的应收未收账目的记录遗失，受毁或受损，保险人可以赔偿下列各项：(1)顾客应付被保险人的一切数额，但以被保险人因损失账册的直接后果，而不能收取这些欠款为限。
(2)因损失账册而必须支付的超过正常收款费用部分的费用。
(3)证明本扩展责任条款项下的任何索赔时必须支付审计师的合理费用。
但以被保险人能凭审计师的书面证明证实其损失的为限。
保险人在本扩展责任条款项下的最高赔偿责任，不能超过。
本扩展条款只适用于保险期内发生的应收未收账目记录灭失或损毁。
本条除上述规定外，其他均以本保险合同所载条款为准。
K07.恢复保险金额条款为了使本保险不因损失而减少保险金额，被保险人可对自发生损失之日起至保险期限终止日止就损失数额部分支付适当的额外保险费系恢复保险金额。
K08.每月预付赔款扩展条款如予要求，保险人在赔偿期间可以每月预付赔款。
K09.调整保险费条款被保险人如最迟在任何保险合同年度满期后六个月内声明，根据审计师(查账员)的证明，与任何保险期最接近同期的十二个月会计期间所赚得的毛利润少于所保保险金额，可按比例退还差额部分的保险费，但退还保费不得超过保险期内对此项保险金额所付保险费的三分之一。
如因任何意外事故而在本保险合同项下索赔，则上述保险费的退还，只限于非该意外事故所造成保额减少的那部分差额项下的保险费。
K10.保单取消条款谨此声明，在本保单下附加以下条款：本保单可在任何时候由被保险人申请取消，但被保险人必须书面通知保险人，保险费将根据短期费率标准或最低保费予以调整。
保险人欲取消保单时，须提前90天将书面取消通知送至被保险人最后为保险人所知之地址，保险费按照日数比例调整。
本保险合同所载其他条件不变。
K11.不得进入条款兹约定，依据本保险合同的条件，如果邻近营业处所的财产遭受（在此定义的）损坏，阻止或妨碍对营业处所的使用或进入，使营业中断或受到干扰，引起本保险合同所承保的损失，则不论营业处所或其内的被保险人财产是否遭受损坏，这项损失均应视作被保险人在营业处所使用的财产遭受损坏所引起的损失。
“赔偿期限为自损坏发生二十四小时起，至此后不迟于十二个月为止，由于发生损坏营业结果受到影响的一段时间。
”K12.承包商/供应商条款兹经双方同意并约定,由于被保险人的供应商处所或工程承包商在施工过程中发生本保单责任范围内的保险事故而造成财产损毁或损失,由此造成被保险人营业中断或受到干扰应视作等同于被保险人处所财产损毁而造成被保险人营业中断或受到干扰之损失。
保险期限内限额：K13.顾客/供应商/承包商条款兹经双方同意并约定,由于被保险人的供应商、顾客、委托加工企业处所或工程承包商施工过程中发生本保单责任范围内的保险事故而造成财产损毁或损失,由此造成被保险人营业中断或受到干扰应视作等同于被保险人处所财产损毁而造成被保险人营业中断或受到干扰之损失。
保险期限内限额：本保险合同所载其他条件不变。
K14.物质损失放弃免赔条款兹经双方同意并约定,若物质损失保单项下之损失低于免赔额，同意本保单不以下列条件为保险生效的先决条件：营业中断的损失赔偿须以在发生损失时，应有承保被保险人在上述处所的财产利益的物质损失的有效保险，并已在该保险项下取得赔款或已由保险人承认赔偿责任为基础。
K15.关闭营业处所/设施条款兹规定，依据本保险合同的条件，由于食物变质或被污染，遵照卫生主管当局的指示关闭营业处所/设施，使营业中断或受到干扰所引起的损失，不论营业处所或其内的被保险人财产是否遭受损坏，均应视作被保险人在营业处所使用的财产遭受损坏所引起的损失。
K16.审计师条款兹经双方同意，保险人为调查或核审赔案需要的被保险人账册或其它业务册或文件中的任何细节应由审计师产生，如果这对被保险人来说是定期行为，那么被保险人的报告应作为该相关报告细节的初步证据。
K17.通道受阻条款兹经双方同意，由于所保地点附近的财产遭受损坏而该损坏将阻碍被保人使用或堵塞所保地点的通道致使被保人营业中断或受到干扰，不论被保人财产有否遭受损失，保险人亦视作承保范围内的损失予以赔偿。
K18.炸弹恐吓条款 (只适用于财产利润损失险)兹经双方同意，本保险扩展承保由于被保险人遭受炸弹恐吓，不论被保险人财产有否遭受损失，因此需要从被保险地点撤走客人，导致营业中断或受干扰而遭受的损失。
K19.政府法令条款 (不超过连续10星期)兹经双方同意，由于发生财产一切险部分所保风险，直接导致政府当局颁令禁止到达或进入保险地点，致使被保险人业务中断或受到干扰而遭受的营业损失，本保单负责赔偿，但保险人赔偿责任以不超过连续10星期为限。
K20.营业费用增加条款本保险扩展承保营业费用增加的赔偿。
营业增加费用”是指被保险人在赔偿期间因保险损失发生后为维持正常的经营活动而增加支出合理的费用。
K21.相关性条款本保单扩展至承保被保险人在另一被保场所内的财产损失而导致业务中断而造成的损失，条件是提及的场所处于保单清单中。
本保险合同所载其它条件不变。
K22.累积存货条款在核算本保险中任何毛利润的索赔时，薪金核算应被计算在内，在赔偿期内被保险人对持有的已完成积累储藏物品的暂时性维持，和因此产生的赔偿期限终止后已完成物品的短缺。
本保险合同所载其它条件不变。
二、规范类G01.部门条款如被保险人业务是分部门经营而它们的经营成果是可独立确定的，则本保单中有关毛利润一项的条款将个别地应用于每一部门，但如上述一项的保险金额少于各部门(不论是否受损失事故所影响)毛利润率乘以其年度营业额(如最高赔偿期超过12个月时，以按比例增加的倍数计)所得的总和，赔偿金额将按比例减少。
G02.账目分类条款在决定哪些帐项应包含于清偿损失基础时，保险人同意以被保险人提供账目中该账项所登入之项目为准。
G03.会计师条款兹同意保险人为调查或核实本保险项下索赔所需被保险人会计账册或其它业务账册或文件中的任何事项或细节，可由被保险人的审计师提供，如适时其正为被保险人进行上述一类文件的定期工作，其会计报告将作为有关赔案的初步支持档。
