董监事及高级职员责任保险保单样本(英文)
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）87310166
BusinessGuard – For Directors & Officers
NOTICE: 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.
Schedule
Policy Number: DOGZxxxxxx
Item 1. Policyholder xxxxx Co., Ltd
Address xxx
Item 2. Policy Period From xxx
To xxx
(both
days
inclusive)
Item 3. Limit of Liability XXX
A ny one claim and in the annual aggregate for all loss,
arising out of all claims made against all insureds under
all insurance covers combined (including defense costs) Item 4. Retention Insurance cover B and indemnifiable loss:
XXX
For any one claim including any judgments, settlements
or final agreements
As specified in 5.4 Retention, only one retention shall
be applied for loss arising from any claim or claims
alleging a single wrongful act.
Item 5. Premium XXX
Item 6. Continuity Dates(i) Pending & Prior litigation: XXX
(ii)
Pollution
claims: XXXX
Item 7. New Subsidiary XX% of the policyholder’s total assets Cover
Item 8. Territorial Scope/ Worldwide including U.S.A./Canada Jurisdiction
SIGNED FOR AND ON BEHALF OF THE INSURER
BY AUTHORIZED REPRESENTATIVE:
AMERICAN INTERNATIONAL UNDERWRITERS, LIMITED DATE: XX
DIRECTORS & OFFICERS LIABILITY INSURANCE
In consideration of the payment of the premium, the Insurer agrees as follows:
Cover
1. Insurance
A: Directors and Officers Liability
Insurer shall pay the Loss of each Insured resulting from any Claim first made against The
the 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: Corporate
Reimbursement
The 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. Definitions
2.1 Associated Company means any Company of which the policyholder owns on or before the
inception 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 for
monetary 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 specified
Wrongful 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 and
prior 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 the
written 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 officer
of the Company.
2.7 Discovery period means the period of time specified in Extension 4.3, immediately following
the 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 end
of the policy period.
2.10 Insured means any natural person who was, is, or shall become a director or officer of the
Company, 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 not
include 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 reason
of a motion to dismiss or a motion for summary judgment after the exhaustion of all
appeals; 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 under
Section 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 other
corporation, 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 in
Item 2 of the Schedule.
2.18 Pollutants include (but are not limited to) any solid, liquid, gaseous or thermal irritant or
contaminant, 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 other
equity 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 Wrongful
Act 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 through
one 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) the
assets to any other person or entity or group of persons and/or entities acting in
concert; 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 representing
more than 50 percent of the voting power for the election of director s of the
policyholder, 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 matter
Claim ed against them solely because of their status as a director , officer or employee of the Company .
3. Exclusions
The 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 not
legally entitled;
(ii) profits in fact made from the purchase or sale by the Insured of securities of the
Company 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 any
Insured 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 related
Wrongful 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 pending
and 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, that
this 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 the
Claim 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;
any
Claim brought by an Insured or employee of the Company in their capacities as (v)
members or beneficiaries of any pension, retirement or provident benefit fund
established for the benefit of any director, secretary, executive officer or employee of
the Company;
Claim brought or maintained by any former director, officer or employee of the (vi)
any
Company.
3.5 arising out of, based upon or attributable to or in any way involving, directly or indirectly, the
actual, 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 duties
imposed 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 a
director 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 or
destruction 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. Extensions
Subject to all of the terms and conditions of this policy, cover is extended as follows:
4.1 New Subsidiaries
Cover 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 Directorships
Cover 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 Period
If 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 within
15 days of the termination date of the policy and must tender the additional premium within
30 days of the termination date. The additional premium is not refundable and the discovery
period 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 Representatives
If 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 Liability
This 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.
Provisions
5. General
5.1 Representation and Severability
In 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 under
this policy is amended to apply only to Wrongful Act(s) committed prior to the
effective date of the transaction.
policy period, the Company decides to make an initial offering of its
the
(ii) If
during
securities in any jurisdiction, whether its securities are already traded or not, by any
means, public or private, then as soon as the information is publicly available, the
Company shall provide the Insurer with any prospectus or offering statement for the
Insurer’s evaluation and assessment of the increased exposure of the Insured and the
Insurer shall be entitled to amend the terms and conditions of this policy and/or
charge a reasonable additional premium reflecting the increase in exposure. At the
policyholder’s request, prior to the public announcement of such securities offering,
the Insurer shall evaluate and assess the increased exposure and advise of all
necessary amendments to the terms and conditions of this policy and additional
premium. In this event and at the request of the policyholder, the Insurer will enter
into a confidentiality agreement with the policyholder relating to any information
provided regarding the proposed securities offering.
5.3 Limit of Liability
The 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 Retention
The 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 in
writing to Financial Lines Claims, at the head office of the Insurer as shown on the
declarations page. If posted the date of posting shall constitute the date that notice
was 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) The
Insurer under this policy, give written notice to the Insurer of any Claim made against
an 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, as
long as such Claim(s) is reported no later than 30 days after the date such
Claim 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 conditions
of this policy, then any Claim arising out of, based upon or attributable to the facts
alleged in the Claim previously notified to the Insurer or alleging a single Wrongful
Act which is the same as or related to any Wrongful Act alleged in the previously
notified Claim, shall be considered made against the Insured and reported to the
Insurer 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 give
rise to a Claim being made against an Insured and shall give written notice to the
Insurer of the circumstances and the reasons for anticipating a Claim, with full
particulars as to dates and persons involved, then any Claim which is subsequently
made against an Insured and reported to the Insurer arising out of, based upon or
attributable to the circumstances or alleging any Wrongful Act which is the same as or
related to any Wrongful Act alleged or contained in those circumstances, shall be
considered made against the Insured and reported to the Insurer at the time the notice
of the circumstances was first given.
5.6 Advancement of Costs
The 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 Conducted
The 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.
The Insurer may make any settlement of any Claim it deems expedient with respect to any Insured subject to such Insured’s written consent. If any Insured withholds consent to such settlement, the Insurer’s liability for all Loss on account of such Claim shall not exceed the amount for which the Insurer could have settled such Claim plus defense costs incurred as of the date such settlement was proposed in writing by the Insurer. The Company and the Insured shall give the Insurer full co-operation and all information as it may reasonably require as a condition precedent to the Insurer’s liability for Loss arising out of the Claim. In the event that a dispute arises between the Insurer and the Insured regarding whether or not to contest any legal proceedings, neither the Insured nor the Company shall be required to contest any legal proceedings unless a Senior Counsel or equivalent (to be mutually agreed by the policyholder and the Insurer) shall advise that the proceedings should be contested. The cost of the Senior Counsel shall be borne by the Insurer.
5.8 Allocation
Insurer has no obligation under this policy for defense costs incurred by the
(i) the
Company, or any judgments rendered against or settlements by the Company, or any
obligation to pay Loss arising out of any legal liability that the Company has to the
third party Claimant. Accordingly, with respect to:
(a) defense costs jointly incurred by;
(b) any joint settlement made by; and/or
(c) any adjudicated judgment of joint and several liability rendered against the
Company and any Insured,
The Company and the Insured and the Insurer agree to use their best efforts to
determine a fair and proper allocation of the amounts as between the Company and the
Insured and the Insurer, taking into account the relative legal and financial exposures
of and the relative benefits obtained by the Insured and the Company.
(ii) In the event that any Claim involves both covered matters and matters not covered under this policy, a fair and proper allocation of any defense costs, judgments and/or
settlements shall be made between the Company, the Insured and the Insurer taking
into account the relative legal and financial exposures attributable to covered matters
and matters not covered under this policy.
(iii) In the event that a determination as to the amount of defense costs to be advanced to the Insured under this policy cannot be agreed to, then the Insurer shall advance
defense costs which the Insurer states to be fair and proper until a different amount
shall be agreed upon or determined pursuant to the provisions of this policy and
applicable law.
5.9 Subrogation
In the event of any payment under this policy, the Insurer shall be subrogated to the extent of such payment to all of the Company’s and the Insured’s rights of recovery in respect of the payment, and the Company and the Insured shall execute all papers required and shall do everything that may be necessary to secure any rights including the execution of any documents necessary to enable the Insurer effectively to bring suit in the name of the Company and/or the Insured.
5.10 Other Insurance
Unless otherwise required by law, any insurance as is provided under this policy shall apply only as excess over any other valid and collectible insurance.
5.11 Notice and Authority
It is agreed that the policyholder shall act on behalf of its subsidiaries and all Insured s with respect to the giving and receiving of notice under this policy, including the giving of notice of Claim, the payment of premiums that may become due under this policy, the receipt and acceptance of any endorsements issued to form a part of this policy and the exercising or declining to exercise any right to a discovery period.
5.12 Assignment
This policy and any rights hereunder cannot be assigned without written consent of the Insurer.
5.13 Jurisdiction and Governing Law
Any interpretation of this policy relating to its construction, validity or operation shall be made in accordance with the laws of the country where the policy was issued. The parties agree to submit to the exclusive jurisdiction of the court of general jurisdiction of the country where the policy was issued.
5.14 Plurals and Titles
The titles of these paragraphs are for convenience only and do not lend any meaning to this contract. In this policy words in italics have special meaning and are defined.
5.15 Terms of Policy conformed to Ordinances
Terms of this policy which are in conflict with the statutes or ordinances of the place wherein this policy is issued are hereby amended to conform to such statutes or ordinances.
Any provision of this policy which is prohibited or unenforceable, shall be ineffective to the extent of such prohibition or unenforceability, but that shall not invalidate the remaining provisions of this policy.
The Insurer shall not avoid this policy by reason only that it may be so entitled by virtue of any statute or rule of law that makes or deems void any provision or contract to indemnify or make payment to any Director or Officer of the Company against Liability for any Wrongful Act.
5.16 Data Privacy
It is hereby declared that as a condition precedent to the liability of the Insurer, the Insured has agreed that any personal information collected or held by the Insurer is provided and may be held, used and disclosed by the Insurer to individual/organizations associated with the Insurer or any selected third party (within or outside the country where the Insured is domiciled) for the purposes of processing the application and providing subsequent services to the Insured for such purposes. The Insured has the right to obtain access to and to request correction of any personal information held by the Insurer concerning the Insured.
雇主责任险和团体意外险的区别
雇主给雇员购买了团体人身意外险 一、雇主责任险和团体意外险的区别 作为财产保险核赔人员，说几句，鉴于财产保险公司报备的条款存在差异，在这里仅供您参考（具体）： 一、首先，这是两个类别的保险，团体意外伤害保险属于人寿保险序列，雇主责任险属于财产保险中责任险序列。 1、团体意外伤害保险保障范围： 在保险期间内，被保险人因遭受意外伤害事故导致身故（事故发生之日起180 日内）、残疾、烧烫伤或在医院接受治疗的，保险人按照保险合同约定承担保险责任。（请注意，如果没有达到烫伤/烧伤、伤残级别或者死亡的，一般不属于保险责任）。 2、雇主责任保险保障范围： 在保险期间内，被保险雇员因发生下列情形而导致伤残或死亡，并在保险期间内首次向被保险人提出损害赔偿请求，依照国内法律（不包括港澳台地区法律）应由被保险人承担的经济赔偿责任，保险人按照本保险合同约定负责赔偿（医疗费用、误工费用、伤残赔偿金、死亡赔偿金）出险情形可参考《工伤保险条例》： 依据保险法相关规定，责任保险是指以被保险人对第三者依法应负的赔偿责任为保险标的的保险。即如果发生某次事故，雇主依法可不承担责任，那么绝对不属于雇主责任险保险责任。 二、团体意外伤害保险一般为员工福利，在法律意义上不能减免应当承担的经济赔偿责任，一般来说受益人为员工本人或者近亲属；雇主责任险的保障范围以法律法规为基础，可作为一种法律风险转移，受益人一般为员工本人。 二、雇主责任险与意外险的比较 雇主责任险与工伤责任险同属责任保险范畴，与团体意外险在本质上有所不同，责任保险只能由财产保险公司经营，而团体意外险只能由人寿保险公司经营，雇主责任险和工伤责任险所保障的是雇主，即企业、公司根据中国现行的劳动法律法规的规定，应当承担的对员工的经济赔偿责任。而团体意外险保障的是源公司员工因意外所造成伤害，被保险对象是员工个人。下面是我们总结出的不同： 1.在雇主和工伤责任保险中被保险人是雇主，而在团体人身意外伤害保险中被保险人是单位的雇员（职工）。 2.雇主和工伤责任保险的标的是雇主依法对雇员承担的损害赔偿责任，团体人身意外伤害保险的保险标的则是被保险人（雇员）的身体或生命。 3.在雇主和工伤责任保险中，保险人的赔偿是代替被保险人（雇主）履行了应尽的赔偿责任的一部分或全部。团体人身意外伤害中，保险人根据条款对被保险人进行给付，但这种给付并不能免除或减少投保的单位或雇主对被保险人应尽的赔偿责任。从法律上讲，得到团体意外险给付的职工仍可根据法律或雇佣合同在向雇主行使要求赔偿的权利。
人保(备案)[2009]N304号-公众责任保险条款(1999版)
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、外事经营等活动以及由于意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：
保险代理人考试新版模拟卷二(doc 10页)
保险代理人考试新版模拟卷二(doc 10页)
../temp/...../ 更多资料请访问.(.....) 更多企业学院：...../Shop/ 《中小企业管理全能版》183套讲座+89700份资料...../Shop/40.shtml 《总经理、高层管理》49套讲座+16388份资料...../Shop/38.shtml 《中层管理学院》46套讲座+6020份资料...../Shop/39.shtml 《国学智慧、易经》46套讲座...../Shop/41.shtml 《人力资源学院》56套讲座+27123份资料...../Shop/44.shtml 《各阶段员工培训学院》77套讲座+ 324份资料...../Shop/49.shtml 《员工管理企业学院》67套讲座+ 8720份资料...../Shop/42.shtml 《工厂生产管理学院》52套讲座+ 13920份资料...../Shop/43.shtml 《财务管理学院》53套讲座+ 17945份资料...../Shop/45.shtml
《销售经理学院》56套讲座+ 14350份资料...../Shop/46.shtml 《销售人员培训学院》72套讲座+ 4879份资料...../Shop/47.shtml 保险代理人考试新版模拟卷二 一．单项选择题（每题1分，共90题） 1、某投保人以价值6万元的财产向B两家财险公司投保火灾保险，A保险公司承保4万元，B保险公司承保6万元。如果发生实际损失5万元，以限额责任方式来分摊，A保险公司应赔付的金额为（）。 A. 2．22万元 B. 2．5万元 C. 4万元 D. 5万元 2、根据风险管理理论，控制型风险管理技术的重点表现之一是（）。 A. 事故发生时，进行财务安排 B. 事故发生后，解除对人们造成的经济困难 C. 事故发生前，降低事故发生的频率 D. 为维持正常生活供财务支持 3、厘定保险费率遵循的适度性原则所强调的“适度性”针对的对象是（）。 A. 单个保险业务 B. 整体保险业务 C. 单个保险公司 D. 大多数保险公司 4、在收入保障保险中，全部残疾给付金额一般比残疾前的收入少一些，通常是（）。 A. 原收入的45%～50% B. 原收入的50%～60% C. 原
雇主责任险
雇主责任险 险种介绍 雇主责任险是指被保险人所雇佣的员工在受雇过程中从事与保险单所载明的与被保险人业务有关的工作而遭受意外或患与业务有关的国家规定的职业性疾病，所致伤、残或死亡，被保险人根据《中华人民共和国劳动法》及劳动合同应承担的医药费用及经济赔偿责任，包括应支出的诉讼费用，由保险人在规定的赔偿限额内负责赔偿的一种保险。 投保范围 凡三资企业、国内股份制公司、国有企业、事业单位、集体企业及集体或个人承包的各类企业在职人员，与该企业（公司）存在劳动关系（包括事实劳动关系）的各种用工形式、各种用工期限、年满十六周岁的劳动者及其它按国家规定和法定途径审批的劳动者 保险责任 （一）在工作时间和工作场所内，因工作原因受到事故伤害； （二）工作时间前后在工作场所内，从事与工作有关的预备性或者收尾性工作受到事故伤害； （三）在工作时间和工作场所内，因履行工作职责受到暴力等意外伤害； （四）被诊断、鉴定为职业病； （五）因工外出期间，由于工作原因受到伤害或者发生事故下落不明； （六）在上下班途中，受到交通及意外事故伤害； （七）在工作时间和工作岗位，突发疾病死亡或者在48小时之内经抢救无效死亡； （八）在抢险救灾等维护国家利益、公共利益活动中受到伤害； （九）原在军队服役，因战、因公负伤致残，已取得革命伤残军人证，到用人单位后旧伤复发； （十）法律、行政法规规定应当认定为工伤的其他情形。 产品特色 1.被保险人、受益人均为投保的企业（公司） 2.与人身意外险相比较，该保险产品责任中负责赔偿由于工作所导致的职业病及在工作时间和工作 岗位中的突发疾病死亡 雇主责任险和团体人身意外伤害险的区别 这两个险种都能给企业或单位的职工提供经济上的保障，但二者却属于不同范畴的保险，其区别主要体现在： （1）两者的被保险人不同。雇主责任险中被保险人是雇主，而在团体人身意外伤害保险中被保险人是单位的职工。 （2）两者的保险对象不同。雇主责任险的保险对象是雇主依法对雇员承担的损害赔偿责任，团体人身意外伤害保险的保险对象则是职工的身体或生命。 （3）两者的赔偿依据不同。雇主责任险的赔偿依据是法律或雇佣合同，团体人身意外伤害保险的赔偿依据则是保险合同所约定的内容。 （4）两者的法律后果不同。在雇主责任险中，保险人的赔偿是代替雇主履行了应尽的赔偿责任的一部分或全部。团体人身意外伤害中，保险人根据条款对被保险人进行给付，得到团体意外险给付的职工仍可根据法律或雇佣合同在向雇主行使要求赔偿的权利。 （5）保险金额不同。雇主责任险的保额一般确定为雇员年工资的一定倍数，而团体人身意外险的保额由投保方自行确定。 以上描述为简要介绍，最终均以条款为准！
天安财产保险股份有限公司公众责任险条款(2009版)
天安保险股份有限公司 公众责任险条款 （2009版） 总则 第一条本保险合同由保险条款、投保单、保险单、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。 第二条凡依法设立的企事业单位、社会团体、其他经济组织及自然人，均可作为本保险合同的被保险人。 保险责任 第三条在保险期间内，被保险人在本保险单明细表列明的区域范围内从事经营业务时，因过失导致发生意外事故，造成第三者人身伤亡和/或财产损失，依照中华人民共和国法律（不包括港澳台地区法律）应由被保险人承担的经济赔偿责任，保险人按照本保险合同约定负责赔偿： （一）保险人对每次事故引起的赔偿金额以法院或政府有关部门根据现行法律裁定的应由被保险人偿付的金额为准。但在任何情况下，均不得超过本保险单明细表中对应列明的每次事故赔偿限额。在本保险期限内，保险人在本保险单项下对上述经济赔偿的最高赔偿责任不得超过本保险单明细表中列明的累计赔偿限额； （二）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。保险人在本保险单列明的每次事故赔偿限额内予以赔付，累计最赔偿金额不得超过本保险单明细表中列明的累计赔偿限额。 第四条保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其他必要的、合理的费用（以下简称“法律费用”），保险人按照本保险合同约定也负责赔偿。 除本保险合同另有约定外，保险人在本保险单明细表中列明的每次事故赔偿限额50%以内赔付法律费用。 责任免除 第五条出现下列任一情形时，保险人不负责赔偿： （一）被保险人在本保险单列明的地点范围内所拥有、使用或经营的游泳池发生意外事故； （二）被保险人在本保险单列明的固定场所内布置的广告、霓虹灯、灯饰物发生意外事故； （三）被保险人在本保险单列明的地点范围内所拥有、使用或经营的停车场发生意外事故。 第六条下列原因造成的损失、费用和责任，保险人不负责赔偿： （一）投保人、被保险人及其代表的故意行为或重大过失；
保险代理人资格考试真题B
保险代理人资格考试真题B 一、单选题： 1. 我国林木保险的保险标的包括（）等。 A. 原始林中的木材产品 B. 自然林中的木材产品 C. 进口林木产品 D. 人工栽培的果木林 2. 甲某散养的宠物狗通过墙边鸡窝翻过院墙，蹿入邻居院内并咬伤邻居一个5岁的小孩，根据《民法通则》的规定，对此损害承担民事责任的（）。 A. 是甲某 B. 是小孩的家长 C. 是甲某和小孩的家长 D. 不是甲某也不是小孩的家长 3. 在人身保险合同中，保险人对投保人投保时的保险利益规定是（）。 A. 只考虑投保人对被保险人有无保险利益 B. 只考虑投保人对被保险人的保险利益量 C. 只考虑投保人对被保险人的保险利益质 D. 只考虑投保人对被保险人的保险利益持续期间 4. 在寿险核保中，被保险人是否需要体检一般取决于（）。 A. 被保险人的性别和投保金额 B. 被保险人的年龄和投保金额 C. 被保险人的职业和投保金额 D. 被保险人的种族和投保金额 5. 如果自然保费计算公式为：某年龄自然保费×（1+利率）= 保额×此年龄死亡率。则其死亡给付发生时间的假设为（）。 A. 假设死亡给付发生在期初 B. 假设死亡给付发生在期中 C. 假设死亡给付发生在期末 D. 假设死亡给付发生在死亡之时 6．责任保险中通常采用的免赔额形式是（）。 A. 绝对免赔额 B. 相对免赔额 C. 比例免赔额 D. 法定免赔额 7. 与普通人寿保险相比，简易人寿保险的缴费期通常为（）。 A. 月、半月或周 B. 半年、月或周 C. 年、半年或周 D. 年或一次缴付 8. 根据我国保险法的规定，下列保险合同中，自保险责任开始后，合同当事人不得解除的保险合同是（）。 A. 人身保险合同 B. 以古玩、字画为标的的保险合同 C. 运输工具航程保险合同 D. 责任保险合同 9. 申请参加资格考试的人员提供虚假考试报名材料的，根据《保险营销员管理规定》，将受到的处罚是（）。 A. 不予受理报名申请或者宣布考试成绩无效，该申请人1年内不得参加考试 B. 不予受理报名申请并给予警告处分，该申请人1年内不得参加考试 C. 不予受理报名申请并给予纪律处分 D. 不予受理报名申请并给予刑事处罚 10. 某公众责任保险保单规定的每次事故赔偿限额是100万元，累计责任限额是1000万元，免赔额为1万元。如果一次公众责任事故导致受害人财产损失56万元，人身损失35万元，且依法全部由被保险人赔偿。则保险人承担的保险赔款金额是（）。 A. 89万元 B. 90万元 C. 91万元 D. 100万元 11. 某企业以其固定资产1000万元的财产为保险标的，向甲保险公司投保了500万元的财产损失保险，与些同时，该企业又以同样的固定资产向乙保险公司投保了1000万元财产损失险。该企业的这一保险方式属于（）。 A. 原保险 B. 再保险 C. 共同保险 D. 重复保险
安全生产责任保险条款太保
中国太平洋财产保险股份有限公司 安全生产责任保险条款 总则 第一条本保险合同（以下简称为“本合同”）由保险条款、投保单、保险单或其他保险凭证、与本合同有关的投保文件、声明、批注、附贴批单或其他书面文件构成。凡涉及本合同的约定，均应采用书面形式。 第二条凡在中华人民共和国（不含香港、澳门特别行政区和台湾地区，下同）境内依法成立，在煤矿、非煤矿山、危险化学品、烟花爆竹、民用爆炸物品等行业或领域从事生产经营活动的企业，均可作为本合同的被保险人。 第三条本合同所称工作人员，是指与被保险人存在劳动关系（包括事实劳动关系）的各种用工形式、各种用工期限、年满十六周岁的劳动者。 保险责任 第四条在保险期间内，被保险人的工作人员在中华人民共和国境内因下列情形导致伤残或死亡，依照中华人民共和国法律（以下简称为“依法”）应由被保险人承担的经济赔偿责任，保险人按照本合同的约定负责赔偿： （一）工作时间在工作场所内，因工作原因受到安全生产事故伤害； （二）工作时间前后在工作场所内，从事与履行其工作职责有关的预备性或者收尾性工作受到安全生产事故伤害； （三）在工作时间和工作场所内，因履行工作职责受到暴力等意外伤害； （四）因工外出期间，由于工作原因受到伤害或者发生事故下落不明； （五）在上下班途中，受到交通及意外事故伤害；
（六）在工作时间和工作岗位，突发疾病死亡或者在48小时之内经抢救无效死亡； （七）根据法律、行政法规规定应当认定为安全生产事故的其他情形。 责任免除 第五条下列原因造成的损失、费用和责任，保险人不负责赔偿： （一）投保人、被保险人或其工作人员的故意行为； （二）战争、敌对行动、军事行为、武装冲突、罢工、暴动、骚乱、恐怖主义活动； （三）核爆炸、核裂变、核聚变； （四）雷击、暴雨、暴风、洪水、暴雪、冰雹、沙尘暴、冰凌、泥石流、崖崩、突发性滑坡、火山爆发、地面突然塌陷、地震及其次生灾害、海啸及其他人力不可抗拒的破坏力强大的自然现象； （五）行政行为或司法行为； （六）被保险人或其工作人员的犯罪行为； （七）被保险人的工作人员受酒精、毒品或管制药品影响； （八）被保险人的工作人员实施自残或者自杀行为； （九）在工作时间和工作岗位，被保险人的工作人员因投保时已患有的疾病发作或分娩、流产导致死亡或者在48小时之内经抢救无效死亡的； （十）职业病； （十一）放射性污染及其他各种环境污染。
雇主责任险与团体意外险的对比方案
公司员工商业保险购买方案分析 一、保险目的 进一步提高员工福利，解除员工后顾之忧，增强公司凝聚力，保障企业安全运营，提升企业核心竞争力。 二、保险具体方案 1. 适用险种 （1）雇主责任险 （2）团体人身意外险 2. 承保适用人 凡年满十六周岁至六十五周岁，身体健康、能正常工作的在职员工，均为被保险人。 3. 保险险种具体分析 （1）雇主责任险 ①保险标的 雇主责任险的保险标的是雇主承担的赔偿责任。 ②保险期限和保险责任起讫时间 该保险期限为一年，自保险单载明的保险责任起始日零时起至保险责任终止二十四时止。 ③保障期间 在保单有效期内，“雇主责任险”只保障雇员在受雇并且在执行任务期间；虽然在保险期间，但雇员所受伤害或者侵犯第三人权益并不是发生在执行雇主安排的任务，或者与完成安排的任务有关的活动期间，雇主是不承担赔偿责任的，保险人也就当然地不承担对雇主的赔偿义务。 ④保障范围 在保险合同期间内，凡被保险人的雇员，在其雇佣期间因从事保险单所载明的被保险人的工作而遭受意外事故或患与工作有关的国家规定的职业性疾病所致伤、残或死亡。（当雇员在完成雇主交付的工作或者任务时，侵犯了第三人的合法权益导致第三人损害的，雇主与雇员承担连带赔偿责任，雇主赔偿给第三人的损失可向保险人索赔。） ⑤保险受益人 “雇主责任险”的受益人只能是雇主。 ⑥赔偿金处理方式 而“雇主责任险”的保险赔偿金不是支付给受害的雇员或者他的法定继
承人的，而是支付给雇主的，或者支付给雇主指定的受益人或者他的法定继承人的，雇员只能得到雇主的事故赔偿金，不能得到“雇主责任险”的保险赔偿金。 （2）团体人身意外险 ①保险标的：人身意外伤害险”的保险标的是被保险人的人身，当被保险人因意外而受伤害时，保险人应当按照保险合同的约定赔偿。该保险的主要承保对象是员工。 ②保险期限和保险责任起讫时间 该保险保险期限为一年，自保险单载明的保险责任起始日零时起至保险责任终止二十四时止。 ③保障期间 只要在保单有效期内，排除合同规定的除外责任的情形，无论被保险人是在受雇期间并执行任务，还是受雇期间不执行任务，还是不受雇也不执行任务，被保险人由于意外事故受到伤害都能得到保险人的赔偿。 ④保障范围
公众责任险保险合同范文
编号： 公众责任险保险合同范文 [1] 甲方： 乙方： 签订日期：年月日
合同签订注意事项 一、甲乙双方应保证向对方提供的与履行合同有关的各项信息真实、有效。 二、甲乙双方签订本合同书时，凡需要双方协商约定的内容，经双 方协商一致后填写在相应的空格内。 三、签订本合同书时，甲方应加盖公章；法定代表人或主要负责人应本人签字或盖章；乙方应加盖公章；法定代表人或主要负责人应本人 签字或盖章。 四、甲乙双方约定的其他内容，合同的变更等内容在本合同内填写不下时，可另附纸。 五、本合同应使钢笔或签字笔填写，字迹清楚，文字简练、准确，不得涂改。
１．公众责任险保险单 public liability insurance policy 保险单号码： 到期通知书 policy no. 鉴于本保险单明细表中列明的被保险人向中保财产保险有限公司（以下简称“本公司”）提交书面投保申请和有关资料（该投保申请及资料被视作本保险单的有效组成部分），并向本公司缴付了本保险单明细表中列明的保险费，本公司同意按本保险单的规定负责赔偿在本保险单明细表 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，特立本保险单为凭。 whereas the insured named in the schedule hereto had ma de to the people"s insurance (property) pany of china, ltd. (hereinafter called "the pany") a written proposal which to- gether with any other statements made by the insured fo r the purpose of this policy is deemed to be incorporated herein and has paid to the pany the premiu m stated in the schedule. now this policy of insurance witnesses that subject to
保险代理人考试测试八(含答案)
测试八 单选题 1.某人投保普通家庭财产保险，保险金额为10万，其中房屋及其室内装潢保险金额为5万。在保险期限内发生火灾，造成屋内及其室内装潢部分损失2万元，并且有5000元的施救费用，其中出现时房屋及其室内装潢的价值为5万元。那么如果不考虑其他因素，保险公司对施救费用的赔偿金额时（） A．0.25万元 B.0.5万元 C.2万元 D.2.5万元 2.由于采取不同运输工具的货物运输途程的不固定性，“仓至仓条款”成为确定货物运输保险的保险责任期限的主要依据，这所体现的货物运输保险的主要特征是（） A.承保标的具有流动性 B.保障对象具有多变性 C.承保的风险具有综合性 D.保险期限具有空间性 3.在各种不同类型的保险合同中，单一风险合同指（） A.只能有单个保险人承保的合同 B.被保险人只能为一人的保险合同 C.只承保一种风险责任的保险合同 D.只承保特殊风险的保险合同 4.根据消费者权益保护法的规定，消费者有权根据商品的不同情况，要求经营者提供商品的价格、产地、生产者、用途、性质、规格、等级、主要成份、生产日期、有效期限、检验合格证明、使用方法说明书、售后服务等情况、这是对（） A.消费者的知情权的解释 B.消费者的人身和财产安全不受损害的权利的解释 C.消费者公平交易的权利的解释 D.消费者自主选择商品的服务的权利的解释 5.在我国，保险代理机构的种类包括（） A. 专业保险代理机构和保险兼业代理机构 B.专业保险代理机构和个人保险代理机构 C. 综合保险代理机构和保险兼业代理机构 D.综合保险代理机构和个人保险代理机构 6.可以对不正当竞争行为进行监督检查的主题是（） A.村级以上监督检查部门 B.乡级以上监督检查部门 C.镇级以上监督检查部门 D.县级以上监督检查部门 7.在家庭财产保险中，一被保险人的房屋因电线老化发生了火灾，在抢救过程中有人趁乱偷走了被保险人家中珠宝。造成被保险人珠宝丢失的近因是（） A.火灾 B.偷窃 C.被保险人的疏忽 D.造成火灾原因的电线老化 8.就准保户面临的风险而言，可以将风险分为（） A.可保风险和不可保风险 B.一般风险和特殊风险 C.必保风险和不必保风险 D.可保风险和特约可保风险 9.在财产保险合同中，可能出现重复保险的现象，我国保险法规定的对重复保险的赔偿原则是（） A给付原则. B.损失分摊原则 C.足额赔付原则 D.顺序原则 10.根据《保险营销员管理规定》，保险代理从业人员资格证书的主要作用是（） A.认定单位具有从事保险营销活动资格 B.认定个人具有从事保险营销活动资格 C.认定单位具有从事保险经营活动资格 D.认定个人具有从事保险经营活动资格 11.保险客户服务中，保险人为广大的潜在消费者提供的各种有关保险行业资讯、资讯、免费讲座、风险规划和管理等服务活动属于（） A.售前服务 B.售中服务 C.附加服务 D.售后服务 12.某公众责任保险保单规定的每次事故赔偿限额是100万元，累计责任限额是1000万元，免赔额为1万元。如果一次公众责任事故导致受害人财产损失35万元，且依法全部由被保险人赔偿，则保险人承担的保险赔款金额是（） A.34万元 B.35万元 C.49万元 D.50万元 13.在人寿保险中，均衡保费与自然保费在数值上有很大差别。就早期而言，两者之间的关系是（） A.均衡保费高于自然保费 B.均衡保费等于自然保费 C.均衡保费低于自然保费 D.均衡保费是自然保费的两倍 14.乙雇请的终点工甲在打扫乙家卫生时，将乙防在桌上的花瓶挪至窗台，后大风将花瓶刮落砸伤楼下路人丙。根据《民法通则》的规定，对受害人丙应该承担民事责任的是（）
中国责任保险市场发展分析(组图)
中国责任保险市场发展分析（组图） 2007年05月23日 19:06 来源：中国保险报【字体：大中小】网友评论 图1 2001年至2006年我国责任保险与财产保险保费收入占比情况（单位：亿元） 图2 2001年至2006年我国责任保险与财产保险保费收入同比增幅变化趋势（％）（图片来源：中国保险报）
图3 美国1920年至1998年责任保险与财产保险市场份额比较图（图片来源：中国保险报）图例说明： 实线表示所有财产类保险（不包括责任保险和意外险）的市场份额，从1920年—1998年之间缓慢下降。 重虚线表示所有责任类保险的市场份额，从1920年—1998年之间缓慢上升，并在80年代末超过财产保险的市场份额。 □长安责任保险股份有限公司（筹） 郭旗 目前，我国责任保险市场正面临重要的发展机遇，责任保险市场供求关系及外部环境已发生了深刻变化。党中央“构建社会主义和谐社会”目标的提出，使我国社会主义现代化建设的总体布局，由发展社会主义市场经济、社会主义民主政治和社会主义先进文化的三位一体，扩展为包括社会主义和谐社会这一重要内容的四位一体，实现了重大的飞跃。构建社会主义和谐社会，首要的是经济发展和社会稳定，保险作为社会“稳定器”，具有责无旁贷的义务，而其中发展责任保险则尤为重要。因此，加快发展责任保险，充分发挥保险的社会管理功能已成为当务之急。 大力发展责任保险的现实意义 责任保险的发展程度既是衡量一国或地区财产保险业务发达与否的重要指标，也是反映财
产保险市场险种结构是否良好的重要参照。它标志着一国或地区的经济发展程度，同时也标志着一国或地区法律法规体系的成熟程度。责任保险作为保险业务中发展相对较晚的一个部分，它的迅速发展与城市化、商业活动、制造业的增长以及私人与公共交通的增长密不可分。因此，同其他保险相比，责任保险具有更强的社会属性。 作为一种社会化的产物和以市场化的方式辅助社会管理的一个重要手段，责任保险可以渗透到社会生活的各个方面，从而起到促进社会的进步和发展，维护社会稳定的作用。我国自2003年以来，国务院确定了保险业要充分发挥社会管理职能的方向，并明确指出责任保险是社会管理功能最强的险种之一。中国保监会也相应地开展了关于大力促进责任险发展的研究课题，把发展责任保险市场的工作提到“讲政治”的高度，将其列入保险业重点发展的领域之一着力加以推进，并在不同场合要求财产保险公司积极发展责任保险，引导业界关注责任险。与此同时，中国保监会又通过加强与有关部委的沟通与合作，按照“政府主导、政策引导、做好试点、逐步扩大”的工作方针，通过建立协调工作机制、联合下发指导性文件、共同确立并指导试点工作开展等方式，推动各地方因地制宜地开展工作。 因此，无论从总体上看还是相对而言，责任保险的重要性在我国日益增强。随着我国社会主义市场经济体制的建立和完善，政府运用经济手段管理市场已成为必然，责任保险也必将成为政府部门运用商业手段代替行政手段管理企业的有效方式之一。我国经济发展将在本世纪上半叶达到中等发达国家水平，与之相适应，保险业的发展也必将由现在的人身保险繁荣阶段过渡到责任保险的大发展，责任保险必将参与到辅助社会管理的各个领域。 我国责任保险的发展现状 在我国，责任保险始于上世纪50年代的汽车公众安全责任保险。目前，尽管我国责任保险已涵盖公众责任、产品责任、雇主责任、职业责任等各个方面，开办的险种多达数百个，服务范围涉及社会的各个领域，各家保险公司也相继在责任保险方面作了一些有益的探索，但是责任保险的规模和功效并未得到长足发展，在经营中仍然存在业务规模小、新险种发展缓慢等问题，与现实的社会需求相比极不适应。由图1、图2可见：2001年—2006年期间，我国财产保险公司责任险累计保费收入达到234亿元，为社会提供各类责任保险的累计责任限额约40.28万亿元。需要指出的是，虽然其2006年保费收入达到了创纪录的56亿元，同比增幅也达到了24％，但当年的业务占比依然保持在4％左右。纵观几年间，其整个业务规模年均业务也仅占到整个财产险业务的3.8％（注：不含机动车第三者责任险、车上人员意外险和车载货物险等，如果将以上几项列入在责任险中，责任险保费额度在整个财产险保费收入中的占比大约可以占到25％以上）左右，这样一个业务占比与国际平均水平的16％相比，差距是显而易见的。但从我国目前不同市场主体的经营成果来看，境内的外资产险公司却凭借其丰富的责任保险产品和先进的技
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1:企业投保企业财产保险综合险，流动资产100万元。在保险期内遭到火灾，发生部分损失，造成存在库房中的汽车损失20万元，存货损失60万元，残值10万元。如果出险时流动资产的账面余额为200万元。那么保险人对该损失的赔款是（）。（答案：B） A、 20万元 B、 25万元 C、 35万元 D、 40万元 7:某保额为100万元的足额财产保险合同的被保险人在发生推定损失100万元后，向保险人提出委付。保险人接受委付并支付保险赔款100万元后，取得保险标的的全部所有权。保险人在处理保险标的物时获得收益110万元。根据保险代位求偿原则，对超过的10万元的正确处理方式是（）。（答案：A） A、归保险人 B、归被保险人 C、归保险行业组织 D、由保险双方比例分享 8:若保险合同规定洪水和风暴均属保险责任，若洪水和风暴同时造成企业财产损失，按近因原则，保险人的正确处理方式是（）。（答案：C） A、不予赔偿 B、部分赔偿 C、全部赔偿 D、比例赔偿 12:某企业以其固定资产1000万元的财产为保险标的，向甲保险公司投保了500万元的财产损失保险，与此同时，该企业又以同样的固定资产向乙保险公司投保1000万元财产损失保险。该企业的这一保险方式属于（）。（答案：D） A、原保险 B、再保险 C、共同保险 D、重复保险 15:在财产保险的核保中，保险人通常要对投保人所投保的财产附近有无诸如易燃、易爆的危险源进行检验。保险人考虑的这一核保要素属于（）。（答案：C） A、保险财产的占用性质 B、投保标的物的主要风险隐患 C、保险标的物所处的环境 D、投保人的安全管理制度的制定和实施情况 32:在农业保险中，果树保险具体分为（）。（答案：C） A、初果期果树保险和盛果期果树保险 B、盛果期果树保险和衰老期果树保险 C、果树产量保险和果树死亡保险 D、果树病虫害保险和果树死亡保险
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2020年(通用版)公众责任险保险合同样本
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被保险人地址： 被保险人营业场所： 被保险人营业性质： 被保险人名称： 被保险人地址： 赔偿限额： 每次事故赔偿限额： 人身伤亡： 财产损失： 总计： 累计赔偿限额： 每次事故：指不论一次事故或一个事件引起的一系列事故。 每次事故免赔额： 适用于财产损失：
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C.服务满足客户期望的程度 D.服务的新颖化程度 答案:C 5、某公众责任保险保单规定的每次事故赔偿限额是10０万元,累计责任限额是１0００万元，免赔额为１万元。如果一次公众责任事故导致受害人财产损失56万元，人身损失35万元,且依法全部由被保险人赔偿。则保险人承担的保险赔款金额是（)。 Ａ.89万元 Ｂ．９0万元 C.9１万元 D．１０0万元 答案：B ６、根据《保险营销员管理规定》,保险营销员在从事保险营销活动过程中每年接受的．经中国保监会认可的培训机构组织的专业培训属于（)。 A.后续教育 Ｂ．技能训练 C.熟练提高 D．岗前培训 答案：Ａ ７、符合中国保监会规定的资格条件,经中国保监会批准取得经营保险代理业务许可证,根据保险人的委托，向保险人收取保险代理手续费,在保险人授权的范围内专门代为办理保险业务的单位,被称为（）。 Ａ.保险兼业代理机构 B．个人保险代理机构 Ｃ.综合保险代理机构
(完整版)保险考试题库(责任险)
责任信用险部分试题 一、单选 1、以被保险人对第三者应承担的民事赔偿责任为保险标的的保险是（）A Ａ、责任保险 Ｂ、信用保险 Ｃ、人身保险 Ｄ、财产保险 2、责任保险属于广义的（）范畴：D Ａ、人身保险 Ｂ、定额保险 Ｃ、信用保险 Ｄ、财产保险 3、期内发生式，以（）的时间为承保基础Ｃ Ａ、索赔提出 Ｂ、风险存在 Ｃ、损失发生 Ｄ、合同终止 4、从责任保险来看，赔偿限额是保险人承担赔偿责任的（）。Ｃ Ａ、平均限额 Ｂ、最低限额 Ｃ、最高限额 Ｄ、基本限额 5、责任保险的保险标的是( )。D A被保险人 B第三者 C第三者的人身伤亡或财产损失 D被保险人对第三者依法应当承担的赔偿责任 6、法律责任有刑事责任、民事责任、行政责任、违宪责任等不同类型，作为责任保险的保险标的的法律责任属于。B A刑事责任 B民事责任
C行政责任 D违宪责任 7、责任保险按承保方式划分，可分为承保独立责任的责任保险和承保作为财产保险附加险的责任保险。公众责任保险、产品责任保险、雇主责任保险和职业责任保险属于承保( )的责任保险，一般由保险公司的责任信用险部门负责管理。A A独立责任的责任保险 B作为财产保险附加险 8、公众责任保险主要承保企业、机关、团体、家庭、个人以及各种组织在固定的场所从事生产、经营等活动，以及日常生活中由于疏忽或过失造成他人人身伤害或财产损失，依法应由被保险人承担的( )。C A行政责任 B刑事责任 C民事责任 D经济赔偿责任 9、产品责任保险主要承保被保险人因生产或销售有缺陷的产品，对产品用户、消费者或其他第三者造成人身伤害或财产损失，依法应承担的( )。D A行政责任 B刑事责任 C民事责任 D经济赔偿责任 10、雇主责任保险承保的是被保险人（雇主）的雇员在受雇期间从事职业工作时因遭受意外导致伤、残、死亡或患有与职业有关的 职业性疾病而依法或根据雇用合同 应由被保险人承担的( )。D A行政责任 B刑事责任 C民事责任 D经济赔偿责任 11、职业责任保险承保各种专业技术人员因工作上的疏忽或过失造成他人的人身伤害或财产损失的( )。D
浅析我国雇主责任保险现状与发展
浅析我国雇主责任保险现状与发展
普 通 本 科 毕 业 论 文 题目：浅析我国雇主责任保险现状与发展
普通本科生毕业论文诚信承诺书
摘要 自改革开放以来，在我国经济不断发展的同时各种社会问题也不断涌现其中职业伤害就是当今社会无法避免的社会问题之一。事故发生之后受害雇员无法得到足够的赔偿，暴露了我国保障体系的不完善。在受害者无法得到足够的赔偿时，商业保险中的雇主责任保险能给予受害者本人及其家庭充分的物质补偿。发展雇主责任险是社会经济稳定发展的需要。 本文主要研究我国雇主责任险的现状与未来的发展定位和发展途径。分析我国雇主责任险所处的困境，并进一步分析造成困境的各项原因。简单的介绍工伤保险，并将雇主责任险与工伤保险相对比，讨论两个险种的差异，探索两个险种之间谐调途径。探寻我们雇主责任险的合理定位与发展途径，以求雇主责任险获得更好的发展，为我国经济的稳定发展做出更大的贡献。【关键词】雇主责任；雇主责任保险；工伤保险；错位发展 Abstract Since the reform and opening up, China's economic has been growing
and at the same time social problems have emerged which occupation harm is unavoidable social problems in today's society of. After the accident the injured employee can’t get enough compensation, it has exposed China's imperfect social security system. When victims can't get enough compensation, employer's liability insurance of commercial insurance in the victims and their families can give full compensation for the material. The development of employer's liability insurance is the need of social and economic stability and development. This thesis mainly studies the present situation of our employer liability insurance and the development orientation of the future. In this paper, I analyze the position of employer's liability insurance in our country and the plight of the difficulties caused by the reasons .Brief introduction of employers liability insurance and industrial injury insurance comparison, discuss the differences of two types of insurance, insurance exploration between the two ways of harmony Explore reasonable position we employer liability insurance, employer liability insurance in order to better development for the stable development of China's economy and make greater contribution. 【key words】Employer's liability; Employers Liability Insurance ； Injury insurance ; dislocation development 目录 1 引言 (3)