亚太财产保险有限公司 财产险类附加条款 80％共保条款（备案号：(亚太财险)(备-企财险)【2016】(附) 933号）兹经双方同意,尽管有相反规定，被保险人在本保险单项下所申报的保险金额，代表在此描述的财产总价值的百分之八十，保费也据此计算。双方同意，如果在损失发生时，保险金额不足保险财产总价值的百分之八十，被保险人将作为共同保险人，以使保险金额达到此数，并据此对可能发生的损失承担其比例。如果保险项目不止一项，本条款将分别适用。 本保险单所载其它条件不变。 80% Co-Insurance Clause Notwithstanding anything contained herein to the contrary, the Sum Insured by this Policy having been declared by the Insured to represent 80 per cent of the total value of the property described herein and the premium for this Policy having been calculated accordingly. It is hereby declared and agreed that if at the time of any loss or damage the Sum Insured shall be less than 80 per cent of the total value of the property insured, the Insured shall be considered as a co-insurer to the extent of an amount sufficient to make the Sum Insured equal to 80 per cent of the full value of property hereby insured and shall bear a ratable share to the loss Every item, if more than one, of the Policy shall be separately subject to this Clause. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
保险人提前90天通知注销保单或重大改变条款(被保险人立即通知)（备案号：(亚太财险)(备-企财险)【2016】(附) 1101号）兹经双方同意，保险人可以提前九十天通知被保险人注销本保险单或重大改变，在此情况下，本公司应将按日比例计算的自保险单注销之日起的未到期保险费退还给被保险人。 被保险人可以随时通知保险人注销本保险单或重大改变，在此情况下，本公司按日比例费率收取自保险单开始之日起的已生效保险费。 本保险单所载其它条件不变。 90 Days’ Notice of Cancellation by Insurer (Immediate Notice of Cancellation by Insured) It is hereby understood and agreed that the policy may be cancelled at the option of the insurer, giving ninety days’ prior notice to the Insured, in which case the Company shall refund the premium on a pro-rata daily basis for the unexpired terms from the date of the Cancellation. The policy may be cancelled at any time at the request of the insured, giving immediate notice to that effect being giving to the Insurer, in which case the Insured shall be charged on a pro-rata premium for the expired terms from the date of inception. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
扩展户外广告设备条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1128号）本保单项下扩展承保户外广告招牌因保单的保险责任造成的损失。户外广告招牌是指在被保险营业场所内外的广告、招牌、招贴板，霓虹灯等。 本保险单所载其它条件不变。 Advertisements, Awning, Blinds, Signs, Outdoor Furniture and Fixture It is agreed this Policy extends to cover the loss of or damage to the advertising signs due to insured perils not excluded in the policy. Advertising signs are those signs, including advertisement，signs，signboard, neon and so on located on or away from the insured’s premises. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
空运费用条款 B(保险金额的10%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1121号） 兹经双方同意，本保险扩展承保空运费。但该特别费用须与本保险单项下予以赔偿的保险财产的损失有关。且本条款项下特别费用的最高赔偿金额在保险期限内不超过以下列明限额。若保险财产的保额不足，本条款项下特别费用的赔偿金额按比例减少。 本保险单所载其它条件不变。 Air Freight Charges B（10% of sum insured） It is agreed and understood that subject to the Insured having paid the agreed extra premium, this insurance shall be extended to cover extra charges for airfreight. Provided always that such extra charges shall be incurred in connection with any loss of or damage to the insured items recoverable under the Policy. Provided further that the maximum amount payable under this Endorsement in respect of airfreight shall not exceed the amount stated below during the period of insurance. If the sum(s) insured of the damaged item(s) is (are) less than the amount(s) required to be insured, the amount payable under this Endorsement for such extra charges shall be reduced in the same proportion. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
所有其他物品条款 (包括雇员私人财产)( 限额RMB 200,000)（备案号：(亚太财险)(备-企财险)【2016】(附) 1138号） 本保险扩展承保“所有其他物品”，“所有其他物品”应理解为包括下述内容: a) 未另外特别保险的现金和邮票； b) 仅按文具材料考虑其价值的文件、手稿及业务簿册，以及职员的书记费用，而不是按对被保险人而言的信息价值来考虑； c) 仅按材料价值考虑的电脑记录，以及用于重建上述记录的员工劳动和计算机机时费用(不包括与建立上述记录的资料有关的费用)，并且不按对被保险人而言的信息价值来考虑； d) 模型，模式，模子，草案和设计图样； e) 以及未经其他保险单承保的雇员的脚踏车、衣物、工具和其他私人财产。 每次事故每雇员限额：RMB 2,000 本保险单所载其它条件不变。 All Other Contents (Including Employee’s Private Property)(Limit：RMB200,000) It is agreed that the Term "All Other Contents", is understood to include: a) Money and stamps not otherwise specifically insured b) Documents, manuscripts and business books but only for the value of the material as stationery, together with the cost of clerical labor expended in writing up, and not for the value to the Insured of the information contained therein c) Computer systems records but only for the value of the materials together with the cost of clerical labor and computer time expended in reproducing such records (excluding any expenses in connection with the production of information to be recorded therein) d) Patterns, models, moulds, plans and designs,
e) And so far as they are not otherwise insured: Employees pedal cycles, clothing, tools and other personal effects. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
自动增加资产条款(限额为保险金额的10%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1166号） 兹经双方同意，本保险扩展承保本保险生效后被保险人在中华人民共和国境内所增加的资产，但不包括财产的自动升值。 本保险单所载其它条件不变。 Automatic Capital Additions (10% of sum insured) It is hereby agreed that the insurance by the Policy extends to include additions and extensions to property insured, but not appreciation in value. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
自动承保新地址条款(90天报告期)（备案号:(亚太财险)(备-企财险)【2016】(附) 1158号）兹经双方同意，本保险对新增的被保险人营业场所自占用之日起予以自动承保。被保险 人应在90天内及时将新增的营业场所通知保险人，被保险人应按规定缴付附加的保险费。 本保险单所载其它条件不变。 Automatic Cover for New Locations(90 reporting days) The Policy shall automatically cover locations newly acquired or occupied by the Insured, subject to declaration to the Company within 90 days upon Insured acquiring or occupying such location and an additional premium shall be payable. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
自动恢复保额条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1151号）兹经双方同意，在本公司对本保险单明细表中列明的被保险财产的损失予以赔偿后，原保险金额自动恢复。但被保险人应按日比例补缴自损失发生之日起至保险终止之日止恢复保险金额部分的保险费。 本保险单所载其它条件不变。 Automatic Reinstatement of Sum Insured It is hereby agreed and understood that in the event of loss or damage to the insured property described in the Schedule of this Policy, the amount payable for such loss or damage shall be automatically reinstated from the time of the happening and the Insured shall pay an additional premium therefore calculated pro rata from the date of loss to the expiration of this Policy. This clause is subject otherwise to the terms, conditions and exclusions of this Policy.
锅炉及压力容器爆炸 D（备案号：(亚太财险)(备-企财险)【2016】(附) 1114号）
兹经双方同意，在被保险人已支付相应额外保费前提下，本保单应扩展将锅炉及压力容器作为保险标的，且对其由于承保风险造成保险标的的损失，赔偿金额将不超过锅炉和压力容器的总保险值。 定义： “爆炸”意为被保锅炉由内部蒸气，空气或其它液体压力（除了点燃的流动气体的压力）造成突然猛烈的破裂，从而造成其本身破裂和其内容物的喷射物。 下列缺陷不应被视为“爆炸”即使有必要的修复或恢复： 1. 由于燃料泄露腐蚀造成材料，被保锅炉的磨损，浪费； 2. 被保锅炉任何部分的缓缦变形，扭曲； 3. 由泄露导致的爆裂，断裂，起汽泡，叠层，裂缝，沟槽； 4. 连接失败，但由此产生的爆炸并不除外。 除外责任： 本公司对由下列原因产生的直接损失，责任或费用不负责任： 对被保锅炉和压力容器的液压测试； 由被保锅炉内容物的化学行为或点燃而造成的爆炸和倒塌。 本保险单所载其它条件不变。 Boiler or Pressure Vessel Explosion D It is agreed and understood that subject to the Insured having paid the agreed extra premium, this Policy shall be extended to cover the boiler and pressure vessel as insured property and shall be liable for the loss of or damage to the insured property. For the liability and the expenses caused by explosion of the boiler and other pressure vessels provided that the total amount recoverable shall not exceed sum insured of boiler and pressure vessels. This insurance shall also applicable to the following definitions and exclusions: Definitions: EXPLOSION means the sudden and violent rending of the insured Boiler and Pressure Vessel by force of internal steam or other fluid pressure (other than pressure of ignited fluid gases) causing bodily displacement of any part of the insured Boiler and Pressure Vessel together with forcible ejectment of the contents. The following defects shall not be considered to constitute Explosion even though repair or replacement may be necessary: 1. wearing away or wasting of the material or the insured Boiler and Pressure Vessel by leakage corrosion action of fuel or otherwise; 2. slowly developing deformation or distortion of any party of the insured Boiler and Pressure Vessel; 3. cracks, fractures, blisters, laminations, flaws or grooving even when accompanied by leakage; 4. failure of joints, but explosion arising from any such defect being not excluded hereby. Exclusion: The Company shall not be liable for the direct loss or consequential loss, liabilities or expenses caused by: hydraulic test of the insured Boiler and Pressure vessel; explosion or collapse occasioned by the chemical action or ignition of the contents of any of the insured Boiler; Subject otherwise to the terms, conditions and exceptions of this Policy.
品牌及商标条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1120号） 本保险单所载其它条件不变。 Brand and Trademark It is hereby agreed and understood that if branded or labeled merchandise covered by the Policy is damaged, and the Company selects to take all or any of such merchandise at the agreed or appraised value, the Insured may at his own expense, stamp the word “salvage” on the merchandise or its containers or may remove the brands or labels, provided such stamp or removal will not physically damage the merchandise, but shall re-label the merchandise or containers in compliance with the requirements of Law. Subject otherwise to the terms exceptions and conditions of this policy.
违反保单条件条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1147号）兹经双方同意，本保险单的条件和保证将分别适用于每一承保风险，而非共同适用于所有承保风险。因此，对某些条件和保证的违反仅使该违反所适用风险的那一部分保障失效，不影响有关其它风险保障的有效性。 本保险单所载其它条件不变。 Breach of Condition and Warranty It is hereby agreed and understood that the conditions and warranties of this Policy shall apply individually to each of the risks insured and not collectively to them. Thus a breach in any condition or warranty shall void the section only in respect of the risks to which that breach applied and does not affect the section in respect of the other risks.
索赔准备费用条款(限额RMB 100,000)（备案号：(亚太财险)(备-企财险)【2016】(附) 1134号） 兹经双方同意,本保险扩展承保经保险公司同意的被保险人在提交或主张理赔资料过程中所产生的合理材料和人工费用，该理赔资料指保险公司根据保单条件要求被保险人提供的用以证明索赔证明材料、信息、凭证或其他证据。 本保险单所载其它条件不变。 Claim Preparation Cost（Limit: RMB100,000） This policy extends to include costs of compiling records at the request of the Insurer but only for the value of the materials used together with the costs for clerical labour expended in producing such records; and reasonable charges incurred by the Insured for producing and certifying any information as may be required by the Insurer under the terms of the policy. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
扩展冷藏物品（备案号：(亚太财险)(备-企财险)【2016】(附) 1122号）兹经双方同意并约定，本保险单承保由于任何保险责任造成冷藏设备的全部或部分毁坏而引起的温度变化，导致的被保险财产的损失或损坏。 本保险单所载其它条件不变。 Cold Storage Notwithstanding anything herein contained to the contrary this policy covers loss of or damage to the property thereby insured which may be caused by change of temperature resulting from the total or partial destruction or disablement of the refrigerating plant by any insured peril. Subject otherwise to the terms exceptions and conditions of this policy.
计算机及其相关设备 (电子数据处理设备)（备案号：(亚太财险)(备-企财险)【2016】(附) 1113号）本保险扩展承保包括由于被保险人授权的雇员由于疏忽过失等所有承保风险造成数据运行系统或计算机设备损坏造成的直接物质损失。 本保险单所载其它条件不变。 Computers and the Affiliated Equipment (EDP equipment) The policy insures against all risks of direct physical loss or damage to the Data Processing System and Active Data Processing Media covered including any negligence by the Insured’s authorized employees, except as hereinafter provided.
重新安装机器设备条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1159号）本保单扩展承保因任何保险范围内的风险导致重新安装机械设备和重建车间的费用，且在本保单条款下任一项保险标的的赔偿金额将以其保险金额为限。 本保险单所载其它条件不变。 Cost of Re-erection It is hereby agreed and understood that this policy extends to include the cost of re-erecting, fitting and fixing machinery and plant in consequence of destruction or damage by any of the perils hereby insured against, provided that the total amount recoverable under any item of the policy shall not exceed the sum insured of each item stated in the policy schedule. Subject otherwise to the terms exceptions and conditions of this policy.
财产指定条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1102号）为了确定本保险单承保的财产、费用及各项收入所在会计科目，本公司同意以被保险人提供的会计帐册中的有关内容作为上述保险项目所在会计科目的确定依据。 本保险单所载其它条件不变。 Designation of Property For the purpose of determining where necessary the heading under which any property is insured the company agrees to accept the designation under which such property has been entered into the Insured's books.
错误及遗漏条款（F）（备案号：(亚太财险)(备-企财险)【2016】(附) 1109号） 兹经双方同意，本保险项下的赔偿责任不因被保险人非故意地疏忽或过失而延迟或遗漏向本公司申报所占用的场地、被保险财产价值的变更而受拒负，但被保险人一旦明白其疏忽或遗漏应即向本公司申报上述情况，否则本公司不负赔偿责任。 本保险单所载其它条件不变。 Errors and Omissions（F） The Insured is not to be prejudiced by any unintentional and/or inadvertent omission error or incorrect description of the interest risk or property insured or during the currency of the Policy in respect of failure to advise change in any interest risk or property insured provided notice is given to the Insurers as soon as practicable upon discovery of any such error omission or misdescription
自动升值条款(年保额的15%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1160号） 兹经双方同意，本保险单项下的保险金额在保险期限内每天的增值金额应该以商定的每年保险金额增值率的1/365增加。 计算公式如下：每天增值金额 ＝ 保险金额 × 增值率 × 1/365 保险金额：按保单明细表列明，约定每年增值率：15% 除非另有约定，本保险条款的保险金额指保险生效时保险单明细表中列明的保险金额。 每次续保时，被保险人应通知本公司： 1) 下一年度保险金额； 2) 年增值率。 本保险单所载其它条件不变。 Escalation (15% Sum Insured per annum) In consideration of the payment of an extra premium, the sum(s) insured thereby shall, during the period of insurance, be increased each day by an amount representing 1/365 of the specified percentage increase per annum: Calculation is as follows: Amount of Escalation Each Day = Sum Insured ×Rate of Escalation × 1/365 Agreed Rate of Escalation: 15% of sum insured Unless specifically agreed to the contrary the provisions of this Clause shall only apply to the sum(s) insured in force at the commencement of each period of insurance. At each renewal date the Insured shall notify the Company: 1) the sums to be insured at the commencement of the forthcoming period of insurance; 2) the specified percentage increase(s) required for the forthcoming period of insurance. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
展览展示，贸易或者巡展扩展条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1156号）兹双方同意，本保单扩展至承保被保险财产在中华人民共和国境内进行展览或贸易展示时由于被保风险所造成的损失。 本保险单所载其它条件不变。 Exhibition, Fairs or Trade Shows It is agreed that this Policy is extended to cover loss of or damage to insured property caused by the insured perils whilst in exhibition, fair or trade shows held anywhere in the People’s Republic of China (P.R.C.) . Other terms and conditions remain unchanged.
额外费用条款 （C） (保额的15%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1108号） 兹经双方同意，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（包括空运费）。但该特别费用须与本保险单项下予以赔偿的保险财产的损失有关。且本条款项下特别费用的最高赔偿金额在保险期限内不超过以下列明限额。若保险财产的保额不足，本条款项下特别费用的赔偿金额按比例减少。 （每次事故限额及年累计不超过保险金额的15%） 本保险单所载其它条件不变。 Extra Charges Clause (C) (15% of sum insured) It is agreed and understood that subject to the Insured having paid the agreed extra premium, this insurance shall be extended to cover extra charges for overtime, night work, work on public holidays and express freight (including air-freight). Provided always that such extra charges shall be incurred in connection with any loss of or damage to the insured items recoverable under the Policy. If the sum(s) insured of the damaged item(s) is (are) less than the amount(s) required to be insured, the amount payable under this Endorsement for such extra charges shall be reduced in the same proportion. (Not exceeding 15% of Sum Insured any one occurrence and in aggregate)
灭火费用条款 (C ) (限额为定损金额的15%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1133号） 灭火费用条款本保单扩展承保当保险财产发生承保风险所致的损失时，被保险人因此而应承担的消防队及其它灭火费用。 (每次事故及年累计不超过RMB1,000,000) 本保险单所载其它条件不变。
Fire Fighting and Extinguishing Expenses (C ) (15% of adjusted loss) (Not exceeding RMB1,000,000 any one occurrence unlimited in aggregate)
完全洪水扩展责任条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1145号）根据保单的条件,本保单承保直接由于台风、飓风或者洪水造成的被保险财产的物质损失。扩展本条款的目的在于进一步明确本保单“洪水损失”含义是指:被保险财产直接遭受水损的损失或者损坏,而且不论水损由何种原因造成。 本保险单所载其它条件不变。 Full Flood The insurance under this Policy shall extend to include loss of or damage to the Property Insured directly caused by typhoon, windstorm or flood, subject otherwise to the terms, conditions and exclusions of the policy. For the purpose of this extension, flood damage shall mean loss of or damage to the property insured directly caused by water from any cause whatsoever.
完全盗窃或抢劫条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1127号） 以下除外条款保险人不负赔偿责任： a) 本保险合同的免赔额； b) 盘点存货时发现的财产损失或短少。 本保险单所载其它条件不变。 Full Theft Notwithstanding anything contained herein to the contrary and subject otherwise to its exclusion limits and conditions, the Policy is extended to provide the full indemnity if the property or any part thereof whilst within the premises shall be stolen or damaged by theft no matter consequence upon forcible and violent entry of or exit from the premises. Provided that this exclusion shall not cover: a) the deductible of this Policy b) any disappearance or shortage discovered at the time of stock taking.
碰撞损失条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1123号）兹经双方同意，本保险扩展承保非被保险人或其雇员所有或控制的车辆、牲畜碰撞被保险建筑物，或围绕或附属于此场所的围墙、门、围栏等直接导致的损失。 本保险单所载其它条件不变。 Impact Damage It is agreed and understood that subject to the Insured having paid the agreed additional premium, this insurance shall be extended to cover loss and/or damage directly caused by impact with the buildings hereby insured or the walls, gates or fences around and pertaining to such premises by road vehicles, horses or cattle not belonging to or under the control of the Insured or any member of the Insured’s staff.
内陆运输扩展条款 (B)（备案号：(亚太财险)(备-企财险)【2016】(附) 1125号） 兹经双方同意，本保险扩展承保中国境内任何地方直接和不间断陆运过程中的保险财产，自其离开工厂、仓库、货栈或其他起运点开始，持续承保其后直接和不间断的正常陆运过程中，处于被保险人所有或经营的交通工具中或其上的，或任何公共或契约承运人照管下的保险财产，至其运送至仓库、货栈或中国境内的其他目的地为止，并包括上述交通工具处于中国地域范围内的常规渡船运送的过程。 （每次航程或每个时间每个地点及累计赔偿限额由投保人与保险人协商确定，并在保险合同中载明） 本保险单所载其它条件不变。 Inland Transit (B) It is hereby declared and agreed that subject to the Insured having paid the agreed additional premium, this Policy is extended to cover the Property Insured whilst in the course of direct and uninterrupted land transit anywhere in P.R.C from the time the Property Insured leaves the factory, store, warehouse, or other initial point of shipment and covers thereafter continuously, in due course of direct and uninterrupted land transportation, in or on conveyance owned or operated by the Insured, or while in the custody of any common or contract carrier until the same are delivered at store, warehouse or other point of destination within P.R.C including whilst such conveyance is in course of transit by regular ferry within the territorial limit of P.R.C. (Limit of indemnify of any one conveyance or at any one location at any one time & in aggregate should be decided by Insured and Insurer, and be listed in the policy Schedule.)
租赁财产条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1168号）本保单扩展至保障任何其它方对被保险财产享有按揭，租赁，使用，出租等利益，但此财产须无其它特别保险。 本保险单所载其它条件不变。 Leased Property Damage This Policy extends to indemnify any other party having an interest in the property insured by virtue of and in accordance with the terms of a mortgage, leasing, hiring or renting agreement, provided such property is not more specifically insured. Other terms and conditions remain unchanged.
法定设施保证条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1104号）应保证被保险人应服从并遵守下列条款的要求和规定： (a)消防部门 和/或 (b)劳动部门 和/或 (c)危险物品条例 和/或 (d)工厂和工业企业条例 和/或 (e)其它法定规章 包括依照法规发出的相关通知和要求，而忽视上述条款和规定将影响或增加被保风险，但该保证不适用于任何本公司本保单放弃要求被保险人遵守的相关条例，规则通知或要求。 本保险单所载其它条件不变。 Legal Facilities Warranty/Legal Requirements Warranted that the insured shall duly comply with and observe all provisions, requirements and regulations of: (a) Fire Services Department and/or (b) Labor Department and/or (c) Dangerous Goods Ordinance and/or (d) Factories and Industrial Undertakings Ordinance and/or (e) any other Statutory Obligation Including any notice given and requirements made pursuant to same the breach and disregard of which may affect or increase the risk hereby insured except only this Warranty shall not apply in respect of any Ordinance, Regulation Notice or Requirement expressly waived by the Company by endorsement on this Policy. Subject otherwise to the Terms, Exceptions, and Conditions of this Policy.
车辆装卸载条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1117号）兹经双方同意,本保险扩展承保被保险人因其拥有的车辆在营业场所内进行与经营有关的装卸过程中发生意外事故造成的保险财产损失。 本保险单所载其它条件不变。 Loading and Unloading It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover loss arising from the loading and unloading of the Insured's vehicles in connection with the business at the specified premises.
损失通知条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1131号）无论是否与本保险单其它内容相抵触，在此同意，被保险人将导致或可能导致索赔的事件通知本公司时，由于疏忽导致延迟、错误或疏漏，本保险单不会因此而失效。 本保险单所载其它条件不变。 Loss Notification Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that this insurance will not be prejudiced by any inadvertent delays, errors, or omission in notifying the insurers of any circumstances or event giving rise or likely to give rise to a claim under this Policy. Subject otherwise to the Terms, Exceptions and Conditions of this Policy.
恶意破坏条款(B)（备案号：(亚太财险)(备-企财险)【2016】(附) 1110号）兹经双方同意，本保险扩展承保本保险单明细表中列明的保险财产因他人的恶意行为所致的损失. 本保险单所载其它条件不变。 Malicious Damage(B) It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover loss of or damage to the insured property described in the Schedule caused by the malicious act of any person
锅炉和其他压力容器爆炸条款 (E)（备案号：(亚太财险)(备-企财险)【2016】(附) 1115号）经双方同意，在本保险合同中载明的保险标的地址内，被保险人所有的或管控的锅炉、压力容器在正常使用过程中，由于下列原因造成自身的损失，保险人按照本保险合同的约定负责赔偿： （一）操作不当； （二）爆炸。 但存在下列情形时发生的损失，保险人不负责赔偿： （一）未按规定和技术规程进行维护保养、检修或违规运行及给水水质不良； （二）操作人员无政府有关部门签发的操作上岗证进行操作； （三）锅炉未取得政府有关部门颁发的使用登记证或年检合格证。 被保险人应保证所投保的锅炉、压力容器的质量符合有关法规及行业规范。 本附加条款与主条款内容相悖之处，以本附加条款为准；未尽之处，以主条款为准。 本保险单所载其它条件不变。 Boiler or Pressure Vessel Explosion (E) The Indemnity granted by this Policy shall apply also to accidental loss of or damage to property insured caused by explosion of boiler vessel or apparatus designed to operate under steam pressure provided that the Insured shall have taken reasonable precautions to comply with all legal requirements relating to inspection that apply to any boiler vessel or apparatus from which the explosion arises.
无法控制条款（B）（备案号：(亚太财险)(备-企财险)【2016】(附) 1142号）兹经双方同意，被保险人在占用或使用营业场所时，由于不知情或远非其所能控制的事件发生造成的遗漏申报或任何行为，不会影响本保险单的有效性，一旦被保险人知道应立即通知本公司并按要求支付适当的附加保险费。 本保险单所载其它条件不变。 No Control（B） It is hereby understood and agreed that the insurance hereby shall not be prejudiced by any act or omission unknown to or beyond the control of the Insured on the part of anyone occupying or using the premises provided that the Insured, immediately on becoming aware thereof, shall give notice to the Company and pay the appropriate additional premium required. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
不得无效条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1111号）经双方同意，本保险单不因下列原因失效： 在被保险人不知情或非被保险人所能控制的情况下而发生的，保险财产的占用性质发生变化或风险增加。但被保险人一经知道应立即通知保险人，并支付可能要求的自风险增加之日起的附加保险费。 本保险单所载其它条件不变。 Non-Invalidation This Insurance shall not be invalidated by any change of occupancy and any alteration whereby the risk of destruction or risk is increased unknown to or beyond the control of the Insured provided that the Insured immediately become aware thereof shall give notice to the Company and pay such additional premium if required. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
保险地址外仓储条款(每处仓储每次事故限额不超过 RMB 500,000)（备案号：(亚太财险)(备-企财险)【2016】(附) 935号） 兹双方同意，该部分赔偿应包括在保单期限内被保险财产由被保风险所产生的任何物理损失，而此类被保财产须处于中华人民共和国领土范围内保险地址外仓储建筑物中任一地点。 本保险单所载其它条件不变。 Off-Premises Property ( Limit: RMB500,000 any one accident per storage) It is agreed that the indemnity in this Section shall extend to cover any physical loss of or damage to the property insured which is caused by an insured peril during the currency of this Policy while such Property insured is in offsite storage buildings elsewhere within the territorial limits of the People’s Republic of China. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
预付赔款条款（B）(定损金额的 30%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1152号） 如果被保险财产发生本保单项下承保范围内的损失时，根据被保险人的要求和损失理算人的建议，保险人可以同意进行预付赔款。 本保险单所载其它条件不变。 Payment on Account（B） (30% of adjusted loss) It is hereby understood and agreed that in the event of the occurrence of a loss covered under this Policy the Company may approve an advance payment on account in respect of such loss at the request of the Insured and with the loss adjuster's recommendation. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
玻璃破碎条款(B)（备案号：(亚太财险)(备-企财险)【2016】(附) 1118号）兹经双方同意，本保险扩展承保本保险单明细表中列明的玻璃破碎损失，但不包括下列原因造成的损失： a) 被保险人的故意行为； b) 由于玻璃本身的缺陷造成的损失。 本保险单所载其它条件不变。 Plate Glass Breakage Clause(B) It is agreed and understood that this Policy shall be extended to cover the breakage of glass described in the Schedule of this Policy, other than the loss or damage caused by the following: a) intentional act of the Insured; b) loss due to the original defect of the class. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
场所内移动设备条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1105号）扩展承保营业场所内的移动设备由于保单承保的风险造成的物质损失。 本保险单所载其它条件不变。 Portable Items in Premises the policy is Extended to cover of portable items inside the insured premises within PR China. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
专业费用条款 （D）(保额的15%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1155号） 兹经双方同意，本公司负责赔偿被保险人因本保险单项下承保风险造成保险财产损失后，在重置过程中发生的必要的设计师、检验师及工程咨询人费用，但不包括被保险人为了准备索赔或估损所发生的任何费用。上述赔偿费用应以财产损失时适用的有关行业管理部门收费规定为准，但本公司在本扩展条款项下的赔偿责任不得超过本保险单明细表中列明的保险金额的15%。 本保险单所载其它条件不变。 Professional Fees（D）（15% of Sum Insured ) The sum insured under each section of this Policy includes an amount not exceeding 10% of sum insured in respect of architects', surveyors', and consulting engineers' fees or other professional fees necessarily incurred by the Insured in the reinstatement of the property insured consequent upon its loss, destruction or damage but not for preparing any claim or estimating the loss, it being understood that the amount payable for such fees shall not exceed the amount authorized under the scales of the related professional department regulated such charges prevailing at the time of the destruction or damage subject to 15% pf sum insured stipulated in the schedule of this policy. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
公共当局条款（B）（备案号：(亚太财险)(备-企财险)【2016】(附) 1106号）兹经双方同意，本保险单项下保险扩展承保被保险人在重置损毁的保险财产时，由于必须执行公共当局的法律、法令、法规产生的额外费用，但是： 一、本扩展条款项下的赔偿不包括： (一) 在下列情况下，执行上述法律、法令、法规而产生的费用： 1. 损失发生在本扩展生效之前； 2. 损失不在本保险责任范围内； 3. 损失发生前，被保险人已接到有关通知； 4. 未受损财产或未受损部分财产的修复、拆除、重建，但不包括受损财产的地基（除非地基已在本保险单中特别除外）； 二、重置工作必须尽快着手进行，并在损失发生之日起十二个月内，或本公司（在上述十二个月内）书面同意延长的时间内完工，如果上述法律、法令、法规要求该受损财产必须全部或部分移到另一地点进行重建、修复是，本公司亦可赔偿，但本公司在赔偿责任不得因此增加。 三、如果本保险单在本扩展以外的责任，因适用保险单任何条款或规定而减少，则本公司在本扩展项下（对于上述项目）的责任也按相同比例减少。 四、本保险单的总赔偿金额不得超过保险中列明的保险金额。 五、除在此作出明确变更的以外，本保险单的其他条款和条件均适用。 本保险单所载其它条件不变。 Public Authorities Clause（B） The Policy shall be extended to include such additional cost of reinstatement of the destroyed or damaged property thereby insured as may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of any Ordinance, Law, Statute or with Bye-Laws of any Municipal or Local Authority, Provided that: 1) The amount recoverable under this Extension shall not include the cost incurred in complying with any of the aforesaid Regulations or Bye-Laws I. in respect of destruction or damage occurring prior to the granting of this Extension, II. in respect of destruction or damage not insured by this Policy, III. under which notice has been served upon the Insured prior to the happening of the destruction or damage, IV. in respect of repair, remove or re-build of the undamaged property or undamaged portions of property other than foundations (unless foundations are specifically excluded from the insurance by this Policy) of that portion of the property destroyed or damaged, 2) The work of reinstatement must be commenced and carried out with reasonable dispatch and in any case must be completed within twelve months after the destruction or damage or within such further time as the Company may (during the said twelve months) in writing allow and may be carried out wholly or partially upon another site (if the aforesaid Regulations or Bye-Laws so necessitate) subject to the liability of the Company under this Extension not being thereby increased. 3) If the liability of the Company under Item ______ of this Policy apart from this Extension shall be reduced by application of any of the terms and conditions of this Policy then the liability of the Company under this Extension (in respect of such item) shall be reduced in like proportion. 4) The total amount recoverable under Item ______ of this Policy shall not exceed the sum insured thereby. 5) All the terms and conditions of this Policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated herein. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
重置价值条款（C）（备案号：(亚太财险)(备-企财险)【2016】(附) 1154号）兹经双方同意，以下列特别条件为准，本保险单项下明细表中列明的财产（不包括仓储物品），如发生本保险责任范围内的损失，其赔偿金额应按受损保险财产的重置价值计算。 重置价值是指： 一、重建或替换受损财产； 但本保险的赔偿责任不能因下列原因而增加： (一) 被保险人要求按自己的方式进行重建或替换受损财产； (二) 被保险人在其他地点进行重建或替换受损财产。 二、修理或修复受损财产； 无论属于哪一种情况，受损财产应达到等同或基本近似但不超出其崭新时的状态。 特别条件： 一、被保险财产若发生部分损失，需进行修理或修复的费用不能超过该财产全部损失应赔偿的金额。 二、若受损财产重新修复或重建所产生的重置费用高于该财产发生损失时的保险金额，本保险的赔偿按该保险金额与受损财产重置价的比例确定，计算方式如下： 受损财产保险金额/受损财产重置价值×损失金额－免赔金额 = 赔偿金额 三、若遇下列情况，本公司的赔偿最高将按受损保险财产的市价计算： (一) 被保险人没有合理的原因和理由推迟、延误重建或修复工作； (二) 被保险人没有对受损财产进行重建、替换或修复； (三) 发生损失时保险财产由其他有效保险单承保，但该保险单没有按与本条款一致的重置价值承保。 本保险单所载其他条件不变。 Reinstatement Value（C） It is hereby agreed and understood that subject to the following special conditions the basis upon which the amount payable in respect of each insured item (excluding stock of any kind) shown in the Schedule is to be calculated shall be the reinstatement of the property lost, destroyed or damaged. For the purpose of this Clause, the word “reinstatement” shall mean: a) The rebuilding or replacement of property damaged or destroyed, which, provided the liability of this Company is not increased, may be carried out； (i) In any manner suitable to the requirements of the Insured; (ii) Upon another site. b) The repair or restoration of property damaged; In either case to a condition equivalent to or substantially the same as but not better or more extensive than its condition when new. Special conditions 1. The liability of the Company for the repair or restoration of property damaged in part only shall not exceed the amount which would have been payable had such property been wholly destroyed. 2. If at the time of reinstatement the sum representing the cost which would have been incurred in reinstating the damaged property is greater than the sum insured at the commencement of any damage, the liability of the Company shall not exceed that proportion of the amount of the damage which the said sum insured bears to the sum representing the cost of reinitiating the damaged property at that time, calculated as follows: sum insured of the damaged property ———× amount of loss─deductible=amount payable reinstatement value of damaged property 3. No payment beyond the market value which would have been payable in the absence of this Clause shall be made: (a) Unless reinstatement commences and proceeds without unreasonable delay: (b) Until the cost of reinstatement shall have been actually incurred; (c) If the property insured at the time of its loss destruction or damage shall be insured by any other insurance. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
清理残骸条款（B） (保额的15%)（备案号：(亚太财险)(备-企财险)【2016】(附) 1126号） 兹经双方同意，本公司负责赔偿被保险人因本保险单项下承保的风险造成被保险财产的损失而发生的清除、拆除或支撑受损财产的费用，但本公司在本扩展条款项下的赔偿责任不得超过本保险单明细表中列明的保险金额的15%。 本保险单所载其它条件不变。 Removal of Debris Clause（B） (15% Sum Insured) This insurance shall hereby extend to cover costs and expenses necessarily incurred by the Insured in the removal of debris dismantling or demolishing, shoring up or propping, of the portion or portions of the property insured under this Policy destroyed or damaged by fire or by any other peril hereby insured against provided that the total liability of the Insurer under this Extension shall not exceed 15% of sum insured. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
烟熏损失条款（B）（备案号：(亚太财险)(备-企财险)【2016】(附) 1148号）本公司同意在本保单下扩展承保在被保险地址如发生保单承保范围内的火灾产生损失而造成的烟熏损失。 本保险单所载其它条件不变。 Smoke Damage（B） The insurance under this Policy shall cover any damage to the property insured caused by smoke following fire whilst in or on the premises described in this Policy provided that a fire loss is established and liability admitted under this Policy. The Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
罢工、暴动或民众骚乱扩展条款（C）（备案号：(亚太财险)(备-企财险)【2016】(附) 934号）兹经双方同意，本保险扩展承保本保险单明细表中列明的保险财产在列明地点范围内由于罢工、暴乱或民众骚动造成的损失，包括在此期间罢工人员在本保险单列明地点范围内的行为造成的损失，以及在罢工、暴乱或民众骚动期间，因发生抢劫造成保险财产的损失。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及因罢工人员或任何人引发的火灾不负责赔偿。 本保险单所载其它条件不变。 Strike, Riot, Civil Commotion（C） It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover loss of or Damage to the insured property described in the Schedule due to strike, riot and civil commotion including the loss or damage caused by the act of any striker whilst occurring in the premises shown in the Schedule and the loss or damage caused by looting occurring at the time of strike, riot and civil commotion, excluding the loss or damage arising from confiscation, commandeering or requisition or destruction by order of the government or any relative public authority or by fire caused by strikers or malicious persons. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
追偿费用条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1150号）本保单扩展承保被保险人的追偿费用。 本保险单所载其它条件不变。 Subrogation Expenses It is hereby agreed and understood that this policy extend to cover the subrogation expenses of insured. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
诉讼及施救费用条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1132号）本保单扩展赔偿合理救助费用和追偿费用，该费用限于被保险人为减少损失尽其所能恢复保障措施或者保护被保险财产而发生的，或者经保险公司同意被保险人以其名义就保险公司有关利益提出的任何索赔、赔偿或者其他行为。 本保险单所载其它条件不变。 Sue and Labour The sum insured under this policy extends to include reasonable expenses incurred by the insured in their efforts to recover safeguard or preserve the property insured, to minimize any loss incurred thereunder; or to persecute in its own name any claim or indemnity or damages or otherwise in respect of such loss profited the company has consented to such action. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
意外突发污染扩展条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1140号）本公司对因各种污染造成的财产损失不负赔偿责任，除非这种污染是由于在保险期限内某一时刻和地点发生的一个突然的，不可预见的事故造成的。 保险期间内，保险人所承担的每次事故的赔偿限额应不超过保险明细表中的赔偿限额。 本保单下的污染指： （1） 所有对房屋、其他结构物、水、土地、空气的污染； （2） 所有直接因污染造成的人身伤害、物质损失。 本保险单所载其它条件不变。 Sudden and Accidental Pollution It is hereby agreed and understood that this insurance excludes all liability in respect of Pollution or Contamination other than caused by a sudden, accidental, identifiable, unintended and unexpected incident occurring during the Period of Insurance. All Pollution or Contamination which arises out of one incident shall be deemed to have happened at the time such incident takes place. The liability of the Insurers for all indemnity payable in respect of all Pollution or contamination which is deemed to have occurred during the Period of Insurance shall not exceed the sum stated in the Schedule as the Limit of Indemnity for any one occurrence. For the purpose of this endorsement ‘Pollution or Contamination’ shall be deemed to mean: all pollution or contamination of buildings or other structures or of water or land or the atmosphere and all loss or damage or injury directly or indirectly caused by such pollution or contamination This Clause is subject otherwise to the terms, conditions and exclusions of this policy.
时间调整条款（B）（72小时）（备案号：(亚太财险)(备-企财险)【2016】(附) 1136号） 兹经双方同意, 本保险单项下被保险财产因在连续72小时内遭受暴风雨、台风、洪水或地震所致损失应视为一单独事件, 并因此构成一次意外事故而扣除规定的免赔额。被保险人可自行决定72小时期限的起始时间, 但若在连续数个72小时期限时间内发生损失, 任何两个或两个以上72小时期限不得重叠。 本保险单所载其他条件均不变。 Time Adjustment (72 hours) （B） It is agreed and understood that any loss of or damage to the insured property arising during any one period of seventy two (72) consecutive hours, caused by storm, typhoon, tempest, flood or earthquake shall be deemed as a single event and therefore to constitute one occurrence with regard to the Excesses provided for herein, For the purpose of the foregoing the commencement of any such seventy two (72) hour period shall be decided at the discretion of the Insured it being understood and agreed, however, that there shall be no overlapping in any two or more such seventy two (72)hour periods in the event of damage occurring over a more extended period of time. This clause is subject otherwise to the terms, conditions and exclusions of this Policy.
临时保护条款(B) (每次事故及累计限额不超过RMB 300,000 或定损金额的10%，以高者为准)（备案号：(亚太财险)(备-企财险)【2016】(附) 1124号） 兹经双方同意，如果保险财产的任何部分遭受承保范围内的损失，本保险单项下的赔偿扩展包括为进行合理的临时或永久性的修理而产生的必要费用，但仅限于为防止财产遭受进一步损失所进行的修理，且被保险人应保留上述修理支出的详细记录。 本保险单所载其它条件不变。 Temporary Protection(B) (RMB300,000 or 10% of adjusted loss whichever the greater any one occurrence & in aggregated) It is hereby agreed and understood that in the event of any part of the Insured Property sustained damage for which the Insurers are liable, the indemnity provided by this Policy is extended to include such cost necessarily incurred in order to make reasonable repairs, temporary or permanent, provided such repairs are confined solely to the protection of the property from further damage, and provided further the Insured shall keep an accurate record of such repair expenditures. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
临时移动条款 (C) （备案号：(亚太财险)(备-企财险)【2016】(附) 1129号） 兹经双方同意，本保险扩展承保保险财产因为清洁、更新、修理或其他类似目的而临时移动过程中，从本保险单明细表中列明的场所至中华人民共和国境内任何场所由陆路、水路、铁路和航空往返运输途中因承保的风险所导致的物质损失。 每项财产每次事故限额由投保人与保险人协商确定，并在保险合同中载明。 本保险单所载其它条件不变。 Temporary Removal (C) It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover loss of or damage to the property insured in respect of the perils hereby insured against whilst temporarily removed for cleaning, renovation, repair or other similar purposes elsewhere on the premises stipulated in this Policy or to any other premises and in transit thereto and therefrom by road, ferry, air or rail in Shanghai of P.R.C. Provided that: The amount recoverable under this extension in respect of each item any one occurrence of this Policy shall be decided by the Insured and the Insurer, and be listed in the policy Schedule. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
艺术品条款(限额 RMB 500,000)（备案号：(亚太财险)(备-企财险)【2016】(附) 1144号） 本保险扩展承保被保险人营业场所内的艺术品由于被保风险造成的损失或损坏。 本保险单所载其它条件不变。 Works of Art（Not exceeding RMB500,000 per item） It is hereby noted and agreed that this Policy is extended to cover loss of or damage to work of art situated at insured premises arising from insured perils.
放弃代位追偿（备案号：(亚太财险)(备-企财险)【2016】(附) 1116号）兹经双方同意，尽管保险单有相反规定，兹经双方同意，按照保险人的要求并由其支付费用，本保险单项下的索赔人应采取或同意或允许采取保险人认为必要和合理的一切措施，以便保险人行使任何权利，或从其他方取得在其对本保险单项下的损失进行赔付或修理后将被赋予或转让的补偿，无论上述措施是否为本公司在赔偿前或赔偿后所认为必要或要求。保险人在此同意放弃向被保险人的联营公司或分公司，任何子公司、控股公司，或任何有关的团体、官员或个人进行追偿的权利。 本保险单所载其它条件不变。 Waiver of subrogation clause It is hereby agreed and understand that notwithstanding anything contained herein to the contrary, it is understood and agreed that any claimant under this Policy shall at request and at the expenses of the Insurer do and concur in doing and permit to be done all such acts or things as may be necessary or reasonably required by the Insurer for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Insurer shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts or things shall be or become necessary or required before or after indemnification by the Insurer. The Insurer hereby agrees to waive its rights of subrogation against any corporation or company associated or affiliated with the Insured or any of the Insured’s subsidiary or holding companies, or any parties, officer or individual connected therewith. 露天存放及简易建筑内财产扩展条款（C）（备案号：(亚太财险)(备-企财险)【2016】(附) 1130号） 经双方同意，由于暴风、暴雨、龙卷风、台风、飓风、雷电、冰雹、暴雪、冰凌、洪水造成的存放于露天或简易建筑内的保险标的的损失，保险人按照本保险合同的约定负责赔偿。 被保险人对露天及简易建筑内财产的存放，应符合仓储及有关部门的规定，并采取相应的安全防护措施。 本附加条款与主条款内容相悖之处，以本附加条款为准；未尽之处，以主条款为准。（需提前告知保险公司存放于露天或简易建筑财产） 本保险单所载其它条件不变。
Extension clause B for properties stored in open air and simple buildings（C） 供应中断扩展条款(E)（备案号：(亚太财险)(备-企财险)【2016】(附) 1112号） 经双方同意，由于供应电、水、气及其他能源的设备遭受保险事故致使供应中断造成保险标的的损失，保险人按照本保险合同的约定负责赔偿。 本保险单所载其它条件不变。 Extension clause D for interrupted supply (E)
It is agreed that Insurer shall indemnify, as provided for in this Policy, for any loss of the insurance object arising from interrupted supply due to any insurance incident of the equipment for power, water, gas and other energy supply. 扩展恐怖主义条款（100%保险金额） （备案号：(亚太财险)(备-企财险)【2016】(附) 1135号）兹经双方同意对被保险财产由于任何由任何恐怖主义行为直接引起的或导致的或与这些行为有关的损失、损坏、成本或费用予以赔偿。 恐怖主义定义:任何人或其代表或同伙，出于政治、社会、宗教或意识形态的目的,旨在以恐怖、暴力、武力、强迫的方式推翻或影响法律上或事实上的政府,或胁迫全体或部分民众的非法行为，以及中国政府有关部门宣布的其他恐怖主义活动。 对下列原因造成的损失，保险人不承担赔偿责任： （1） 精神创伤和其他间接损失； （2） 公共当局的没收、临时或永久征用； （3） 临时或永久的非法占用任何建筑物造成的损失； （4） 核反应、核辐射和其他放射性污染。 本保险单所载其它条件不变。 Terrorism Clause（100% of sum insured） It is hereby noted and agreed that the Policy shall indemnify the Insured in respect of the physical loss of or damage to the insured’s property within the limit stated in the Schedule during the period of insurance caused by fire, explosion or parts and articles falling from flying objects directly arising from terrorism. TERRORISM under this section means: any organization or individual illegally use violence to destroy property or harm personal safety which throw the public into a panic, and menace and coerce the government to achieve political ends. The insurer shall not be liable for: (1) Pain suffer and other indirect loss. (2) Confiscation, temporary or perpetual requisition by public authorities. (3) Loss arising from illegal occupation of any building temporarily or perpetually. (4) Loss arising from nuclear reaction, nuclear radiation and radioactive contamination. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
首层保单不与分摊条款（(亚太财险)(备-企财险)【2016】(附) 1139号）本保单为首层保单,不与其他任何保险方案分摊赔偿,也不是被保险人任何其他有效的超额部分。 本保险单所载其它条件不变。 No contribution to first-tier policy This Policy is of first-tier type and not contributory to other insurance program or any other efficient excess portion on the part of the Insured. Other conditions in this insurance policy shall remain unchanged.
优先使用原供应商条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1141号）经双方同意,发生保险事故后,除非被保险人同意,否则应由受损保险标的之原供应商确定是否维修或者重置,且维修或者重置应该选择该保险标的的原供应商。 本保险单所载其它条件不变。 Preferential use of the original supplier It is agreed that on occurrence of any insurance incident, the original supplier shall decide on maintenance or replacement of the damaged project insured except as otherwise agreed by the Insured, such maintenance or replacement shall be made by the original supplier for such project insured. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
税金约定条款(限额RMB 3,000,000)（备案号：(亚太财险)(备-企财险)【2016】(附) 1137号） 兹经双方同意,鉴于被保险人已缴付了额外的保险费,对于被保险人因保险标的遭受保险责任范围内的事故所造成的税金(包括但不限于增值税和关税)损失,如果该损失不能从其它途径获得抵扣或弥补,保险人同意在列明的责任限额范围进行赔偿,而无论之前的投保金额是否包括该部分税金。 本保险单所载其它条件不变。 Terms for tax and dues (limit: (RMB) 3,000,000 yuan) As the Insured has paid additional premium, Insurer agrees to indemnify a sum up to the liability limitation indicated for any tax (included but not limited to VAT and customs duties) payable by the Insured due to any incident of the project insured within the insurance coverage, whether or not such tax payable is covered by the premium paid previously, provided such loss cannot be offset or recovered otherwise. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
不需账册条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1107号）对于核损金额在RMB100,000以下的赔案,不需要提供财务帐册等资料用于证明足额投保。 本保险单所载其它条件不变。 Claim without financial books For a claim with its value less than RMB100,000 as confirmed, to demonstrate sufficient coverage by presenting financial books and the like is unnecessary. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
应收未收账目记录遗失条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1143号）兹经双方同意，在本保险单各项保险金额的限度以内，如果因本保险所承保的风险，导致保存在营业处所的应收未收帐目的记录遗失，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帐册的直接后果，而不能收取这些欠款为限。 (2) 因损失帐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。 保险人在本扩展责任条款项下的最高赔偿责任，不能超过__200万元__。 本扩展条款只适用于保险期内发生的应收未收帐目记录灭失或损毁。 本保险单所载其他条件不变。 Missing account books for debts It is agreed that, Insurer shall indemnify as follows for any missing, destroyed or damaged records for uncollected accounts receivable retained at place of business due to any risks covered by this insurance, which are within the limits for premium under this Policy: (1) All sums payable to the Insured from its customers up to the amounts owed as resulted directly from the loss of books sustained and cannot be recovered by the Insured; (2) The costs payable due to loss of account books, which is in excess of that paid for collections under normal conditions; (3) Any reasonable costs payable as required to justify any claims under this extension clause; The top limits for Insurer’s liability under this clause for extended liability shall not exceed two million RMB Yuan. This clause shall be applicable to any loss or damage to uncollected accounts receivable within the term covered by the Policy. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
有价值的文件（备案号：(亚太财险)(备-企财险)【2016】(附) 1157号）兹经双方同意并约定,保险公司以第一危险赔偿方式承保“其他物品”，其他物品包括： 1. 没有特别承保的现金和邮票; 2. 文件、手稿和商用书籍,但其价值仅限于作为文具材料,以及用以完成它们所需的人工费,但不包括其中所含的信息的价值; 3. 电脑系统资料,但仅限于其硬件材料的价值及为恢复原有数据而需花费的人工及电脑费用(但不包括任何有关获得、制作这些信息的费用及其中所含的信息对被保险人的价值); 4. 模具、模板、设计图纸; 5. 雇员的衣物、工具和其他个人用品(助动车、自行车、手提电脑和移动电话等除外)。 但赔偿金额50万元每次事故。累计不超过100万元。 本保险单所载其他条件不变。 Valuable documents It is agreed that, Insurer will underwrite “Other Contents” by using first risk indemnity method. It is agreed that the term "Other Contents", is understood to include: 1. Money and stamps not otherwise specifically insured; 2. Documents, manuscripts and business books but only for the value of the material as stationery, together with the cost of clerical labor expended in writing up, and not for the value of the information contained therein; 3. Computer systems records but only for the value of the hardware materials together with the cost of clerical labor and computer time expended in reproducing such records (excluding any expenses in connection with the production of information to be recorded therein and the value of such information to the Insured); 4. Moulds, templates and design drawings; 5. Employee’s clothing, tools and other personal effects (except motorcycle, bikes, laptop computers and cell phones); Provided the sum compensable is at 0.5 million Yuan per incident and up to one million Yuan accumulatively. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
园林、绿化保险条款（B）（备案号：(亚太财险)(备-企财险)【2016】(附) 1153号）兹经双方同意，保险人同意赔偿由于保险事故造成被保险人的园林、绿化的枯死或倾斜扶正费用，赔偿范围为苗木价，包括苗木费、苗木包装、运输到施工现场费用。 本保险单所载其他条件不变。 Gardens and vegetation（B） It is agreed that, Insurer will indemnify for the costs and expenses arising from withering of plants and for uprighting of any tilted plants in gardens and vegetation area due to any insurance incident. The indemnity shall cover price for nursery stocks, including costs for their packaging and transportation to the construction site. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
重要文件/记录条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1149号）兹经双方同意，本保险扩展承保保存放在保险单列明场所的金属文件柜中的贵重文件及档案的损失，但每次事故赔偿限额为__50万__，累计赔偿限额为_100万__。 本保单所载其他条件不变。 Key documents/records It is agreed that, this Policy shall extend to cover the loss of valuable documents and dossier in metallic cabinets at premises indicated in the Policy, provided the indemnity limit per incident is 0.5 million Yuan and up to one million Yuan accumulatively. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
小型建筑安装工程项目扩展条款（备案号：(亚太财险)(备-企财险)【2016】(附) 1146号）兹经双方同意,本保险扩展承保被保险人因业务需要而进行的小型建设安装工程项目，包括但不限于建筑物、机器设备在进行新建、扩建﹑改建﹑维修﹑装修、技改等过程中发生的属于建筑安装工程保险责任范围内的物质损失。本扩展条款项下每个工程合同价以1000万为限。 同时，本保单在保险期间内自动承保任何新的工程项目且被保险人应在工程开始90天内向保险公司进行申报，包括工程名称，预计造价，完工日期及测试期、维保期等。如果工程合同价超过1000万，被保险人须另行安排建筑、安装工程险保单。 本保单所载其他条件不变。 Small-scale building and erection works It is agreed that, this Policy shall extend to cover any physical loss within the scope of insurance coverage for building and erection works for those of small-scale as are performed by the Insured for conducting its business operations, including but not limited any loss of buildings, machinery and equipment during any new, expansion or revamp program or maintenance, fitment or technical transformation thereof. The contractual value of individual works under this clause shall be up to 10 million yuan. In the meantime, this Policy shall, during its term, automatically cover any new projects, provided the Insured report the same to Insurer within 90 days after kick-off of the project construction, including project title, estimated cost, date of completion, period for test and maintenance etc. Where contractual value of the project is over 10 million yuan, the Insured shall take out separately a policy to cover the risks exposing to its building and erection works. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.
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企业财产保险类 > 财产险类附加条款-中英文条款
