China Pacific Property Insurance Co., Ltd.
Public Liability Insurance Clauses
General Provisions
Provision I This Insurance Contract (hereinafter referred to as “Contract”) consists of Insurance Clauses, Insurance Application, Insurance Policy or other Certificates of Insurance as well as such other insurance application documents, statements, comments, affixed endorsements or other written documents as related hereto. Any and all such arrangements as involved hereunder shall be made in writing.
Provision II Any and all governmental agencies, enterprise and public institutions, social groups, individual economic organizations and other legally established organizations within the territory of the People’s Republic of China (exclusive of HKSAR, Macao SAR and Taiwan, the same applies below) are deemed to be qualified enough to be the Insured hereunder.
Insurance coverage
Provision III During the insurance period and within such scope of areas as specified herein, in case of any incident as a result of the I nsured’s negligence during the course of its running any business activities or its own business, which incident has caused third-party personal injuries and/or property damages and the sufferer(s) raises/raise claims the first time ever during the insurance period, the Insurer shall undertake to pay the indemnifications hereunder against any such indemnification liability as to be borne by the Insured in accordance with the laws of the People’s Republic of China (exclusive the laws of HKSAR, Macao SAR and Taiwan, the same applies below).
Provision IV In the event of any insured accident, as a result of which either arbitration or litigation has been raised against the Insured, the Insurer shall also take such liability as to make indemnifications hereunder against any such arbitration or litigation expenses as imposed on the Insured as well as those other necessary and reasonable fees (hereinafter referred to as “Legal Fees”), which shall be paid by the Insurer as per the prior written consent.
Exclusions
Provision V In the case of any of the following circumstances, the Insurer shall not undertake to pay any indemnification:
(I) Such animals, bicycles, cars, locomotives, vessels of any kind, aircrafts, lifts, elevators, escalators, cranes, hoists or other lifting machinery which belong to or are in the possession of the Insured or used in its name, but not specified in the Schedule of this Insurance Policy.
(II) Such products, goods and commodities as sold, marketed and/or granted for free by either the Insured or any of its employees and representatives;
(III) Defective sanitary installations or poisoning of any kind or any unclean or
