雇主责任保险条款(英文版)
- 格式：doc
- 大小：39.00 KB
- 文档页数：14
EMPLOYER’S LIABILITY INSURANCE CLAUSES
Ⅰ. PARTIES TO BE INSURED
including but not limited to foreign-invested enterprises,
private enterprises, domestic stock companies, state-owned
enterprises, non-profit enterprises, collective enterprises
and collectively or privately contracted enterprises, and also
public organizations, government institutions, schools, are
all entitled to applying to China Continent Property & Casualty
Insurance Company Limited(hereinafter referred to as the
"Insurer") to insure against their legal liability to their
employees (regular workers, casual labor, temporary and
seasonal workers and apprentices included) subject to the terms
and conditions of this Policy.
aforesaid employees of the Insured refer to those who are
paid for a certain or uncertain period of employment by the
Insured and over the age of sixteen or to those approved to be
employed by statutes and other legal means.
Ⅱ. COVERAGE
Insurer will indemnify the Insured against his liability under the contract of employment and at laws and regulations
of the People′s Republic of China to pay medical expenses and
other economic compensations within the agreed limit of
indemnity in respect of death or bodily injury or disablement
by accident or through occupational disease, to his employee(s)
while, during the effective period of this insurance and in the
course of employment (including to and off work) by the Insured,
being engaged in the Insured′s business as stated in this
Policy.
The Insurer will also indemnify the Insured within the
agreed sub-limit against defense costs payable by the Insured
to the claimant, and other legal costs and expenses incurred
with the written consent of the Insurer.
Within the period of insurance, the maximum amount of
indemnity by the Insurer for all and each item(s) mentioned
hereinabove shall in no case exceed the aggregate limit of
indemnity as stated in the Policy Schedule.
Ⅲ. EXCLUSIONS
Insurer shall not be liable for: 1) Death, diseases, disability or bodily injury sustained
by the Insured′s employee(s) named in the Schedule in the
course of employment by the Insured, arising from war, military
actions, strikes, riots, civil commotion or nuclear radiation;
2) Bodily injury and/or disability to, or death of the
employee(s) in the course of employment by the Insured, caused
by or attributed to illness other than occupational diseases, infectious diseases, childbirth , abortion , medical treatment
and surgical operations necessitated by such diseases;
3) Bodily injury and/or disability to, or death of the
employee(s) in the course of employment by the Insured, caused
by or attributed to intentional self-injury, suicide and
criminal act;
4) Bodily injury and/or disability to, or death of the
employee(s) in the course of employment by the Insured, caused
by or attributed to alcohol or drug not necessitated by the
aforesaid occupation;
5) Intentional act or gross negligence of the Insured; 6) The Insured′s liability to employees of contractors
to the Insured, unless otherwise stated;
7) Bodily injury and/or disability to, or death of the
employee(s) in the course of employment by the Insured,
occurring outside the territorial limit of the People’s Republic of China, unless otherwise stated;
8) Other losses and expenses not included in the Coverage
of this Policy.
Ⅳ. LIMIT OF INDEMNITY
limit of indemnity refers to the agreed maximum amount of
indemnity payable by the Insurer to the Insured for losses or
damages sustained by the Insured’s employee(s) in respect of
any occurrence within the Coverage of this Policy.
Ⅴ. PREMIUM
appropriate premium rate for the Insured shall be
ascertained by the Insurer with a view of the exposures and
Rating Table. The Limit of Indemnity multiplied by the Rate makes the due premium.
Ⅵ.PERIOD OF INSURANCE
insurance period of this Policy is one year, as from 0:00
on the day of inception to 24:00 on the day of expiration. This
Policy shall be renewed on the expiry date.
Ⅶ. TREATMENT OF CLAIM
lodging a claim against the Insurer, the Insured shall
provide the original Policy, the relevant Proof of Accident,
Medical Report issued by medical organization(s) recognized by
the Insurer, Original receipt of medical expenses and any other
necessary and effective documents required by the Insurer. The
Insurer shall as soon as possible examine all these documents,
settle the claim and effect payment within 10 days from the date
when the amount of indemnity is mutually agreed upon.
the event of occurrence falling within the Coverage during
the period of Insurance, the Insurer shall, in the manners as
