comprehensive extensions-保险条款英文版串讲.docx

Comprehensive Extension Clauses通用/GENERAL10E001 Breach of Condition Clause10Currency Clause (AON)10Dispute Clause (AON)10E002 Errors and Omissions Clause11E003 Loss Payee Clause11Loss Notification Clause (AON)11E004 No Control Clause11E005 Approved Loss Adjuster Clause12Nominated Adjuster (Marsh)12E006 Payment on Account Clause12Payment On Account Clauses (Marsh)12Interim Payment Clause (HSBC)13E007 60 Days Notice Of Cancellation Clause13E008 Breach of Warranties Clause13Breach of Warranties (AON)14Breach of Warranties and Conditions (AON)14E009 Non-Invalidation Clause14Non-vitiation Clause (HSBC)14E010 Automatic Extension of Period of Insurance (60 Days)15E011 Bankruptcy, Insolvency or Termination15E012 Financial Interests15E014 Losses in Progress16E015 Misrepresentation. Mis-description. Non-Disclosure, /Alteration Errors and Omissions16E016 Subrogation Waiver17E017 Multiple Insureds (Non-Vitiation) Clause17E020 Notice of Cancellation and/or Material Change18E021 Loss Payee Clause19财 产 险 / PROPERTY20E101 Agreed Value Insurance Clause20E102 All Other Contents Clause20All Other Contents Clause (HSBC)21E103 Alteration of Building Clause21Alterations and Repairs (Contract Limit: RMB1,000,000 any one contract) (Marsh)22E104 Automatic Reinstatement of Sum Insured Clause22E105 Automatic Cover Clause22Automatic Cover for new locations (Limit: RMB5,000,000 & subject to Class I construction) subject to 90 days reporting period) (Marsh)23E106 Automatic Escalation Clause23E107 Average Relief Clause23Average Relief Clause (80%-including Stocks) B006 (AON)2480% Average Relief (Applicable to Buildings Only) (Marsh)F24Awnings, Blinds, Signs and Other Outdoor Fixtures or Fittings Z004 (Limit:RMB100,000) building (AON)24Basis Of Valuation (HSBC)24E108 Brand & Label or Trademarks Clause25Brand and Trademark (Marsh)25E109 Breakage of Glass Clause26E110 Burglary Insurance Clause26E111 Capital Additions Clause27Computer Systems Records (Marsh)27E112 Contract Price Valuation Clause27E113 Co-Insurance Clause (85%)28Cost of Demolition and Clearing and Erection of Hoarding Z008 (Limit:10% of S/I) building (AON)28Cover For Demolition and Re-erection Costs (AON)28Cost of Re-erection Clause (AON)29Cost Of Re-erection Clause (Marsh)29E114 Deterioration of Stock Clause29C115 Designation Of Property Clause29E116 Earthquake Extension Clause30Earthquake & Tsunami Clause (HSBC)30Expediting and Mitigating Expense (Sublimit: _ each and every loss) (Marsh)30E117 Extra Charges Clause31Extra Perils Extension Clause (HSBC)31E118 Fire Extinguishing Expenses Clause32E119 Full Theft32E120 Flood Damage33E121 Floating Stock Clause33Forklift Liability within the Premises (AON)33Free Issue Material (AON)34Full Flood Extension (AON)34E122 Impact Damage Clause34E123 Inland Transit Extension34Inland Transit Clause (HSBC)35Inhibition Clause (Marsh)35E124 Land-slip & Subsidence Clause35Leased Property Clause (AON)36E125 Malicious Damage Clause37Mortgagee Clause (AON)37Waiver of Subrogation against mortgage bank (HSBC)38Loss Payable and Notice of Cancellation Clause (HSBC)38Minimization of Loss Expenses (AON)39Minor Works (Sublimit: _ each and every loss) (Marsh)39Miscellaneous Unnamed Locations (Sub-limit: _ each and every loss) (Marsh)39New Replacement Value Clause (AON)39E126 Off Premises Property Clause40Offsite Storage Clause (Limit of Indemnity: RMB1,000,000 any one accident per location) (HSBC)40Operation/Premise (AON)40Outbuilding Clause Z024 building (AON)40Pairs & Sets Clause (AON)41Portable Items and Movable Articles Extension Clause (AON)41E127 Professional Fees Clause41E128 Public Authorities Clause41Public Authorities Clause (HSBC)43E129 Reinstatement (Value) Clause43E130 Removal of Debris Clause45E133 Sprinkler Leakage Damage Clause45E134 Stock Declaration Clause46E135 Strike, Riots, Civil Commotion Clause46E136 Subrogation Expenses Clause47Sue and Labour Clause (AON)47E137 Television Receivers and External Aerials47E138 Temporary Protection Clause48Cost of Temporary Protection Clause (Marsh)49E139 Temporary Removal Clause49Tenants' Improvements Clause Z028 building (AON)50E140 Time Adjustment Clause (72 Hours)50E141 Electrical Clause50E142 Vehicle Load Clause51E143 Portable Computers / Mobile Telephone Extension Clause51Loss &/or Damage to Laptop in Premises (Limit: RMB20,000 any one accident and RMB100,000 in aggregate) (Marsh)51Works of Art (RMB50,000 any one article and RMB500,000 in aggregate) (Marsh)51存货及代保管财产承保条款52锅炉爆炸及倒塌扩展条款52Nominated Loss Adjusters Clause52Terrorism Exclusion (NMA2920)53霉菌和真菌批单53LEG3/96 - The London Engineering Group Model "Improvement" Defects Wording (AON)54UNOCCUPYING CLAUSE (Houlder)54机 器 损 坏 险/Machinery Breakdown 54E701 Strike, Riots, Civil Commotion Clause54E702 Automatic Reinstatement of Sum Insured Clause55E703 Removal of Debris Clause55E704 Extra Charges Clause55E705 Airfreight Clause56E706 Professional Fees Clause56E707 Overhaul of Electric Motors57E708 Overhaul of Steam, Water and Gas Turbines and TurboGenerator Sets57E709 Serial Losses59E710 Delay in Repair Under The Loss of Profit59Boiler and Pressure Vessel Explosion Clause (HSBC)60DETERIORATION OF FOOD STOCK CLAUSE (Marsh)60Full Replacement Value (Marsh)60LOSS OR DAMAGE TO SURROUNDING PROPERTY (Marsh)60Pollutant Cleanup and Removal Clause (Marsh)60REMOVAL OF DEBRIS CLAUSE (Limit: 10% of Sum Insured) (Marsh)61REPLACEMENT VALUE CLAUSE (Marsh)61利损/BUSINESS INTERRUPTION 62E301 Automatic Coverage Clause62Accumulated Stocks (AON)62Additional Increase in Cost of Working (AON)63Additional Cost of Working (AON)63Auditors fees (AON)63Civil Authorities (Marsh)63E302 Closure of Premises/Facilities Clause63Costs of Compiling Records and Claims Preparation Subject to Limit RMB100,000 (AON)64Claims Preparation Expenses Clause (HSBC)64E303 Departmental Clause64E304 Inclusion of All Turnover Clause65Inclusion of All Turnover Clause (AON)65Interdependency Clause (AON)65Interdependency Extension (Geographical Limit: China) (Marsh)65E305 Loss of Book Debts Clause66E306 Monthly Payment on Account66E307 Murder, etc. Clause67Murder, Suicide or Disease or Defective Sanitation Clause (AON)67E308 New Business Clause68E309 Premium Adjustment Clause68E310 Prevention of Access Clause69E311 Public Utilities Extension Clause69Failure of Public Utilities (Marsh)70E312 Professional Accounts Clause71E313 Reinstatement Clause71E314 Uninsured Standing Charges Clause71E315 Suppliers* and/or Customers* Premises Extension(s)72Major Suppliers and/or Customers Premises Extension (cover restricted to first tier supplier / customer only, Sublimit: RMB10,000,000 each and every loss ) (Marsh)72Output Option Clause (Marsh)73REBATE OF PREMIUM CLAUSE (Marsh)73UNNAMED SUPPLIERS/CUSTOMERS EXTENSION (Marsh)73WAIVER OF EXCESS CLAUSE (Marsh)73公 众 责 任 险 / PUBLIC LIABILITY 74E501 Act of Terrorism Extension Clause74E502 Additional Insured Clause74Additional Insured-Employees; (AON)75E503 Advertising Signs and Decorations Liability Clause75Advertising Signs & Decorations (Marsh)75E504 Automatic Cover for New Location Clause76All Plant, Machinery and Equipment (including Lifts, Hoists and Cranes) (AON)76Automatic Reinstatement of Limit of Liability (AON)76E505 Building Alterations Clause76E506 Car Park Liability Clause77Care Custody or Control Clause (AON)78E507 Cloak Room Clause/ Personal Effects Clause78E508 Contractual Liability Clause78Costs Inclusive (AON)79Contingent Auto Liability. （CSL US$250,000 per occurrence to sit）(AON)79Contingent Liability For Contractors & Sub Contractors Clause (AON)79Completed Operations Clause (AON)79Contract Liability Clause (HSBC)80E509 Cross Liability Clause80E510 Defective Sanitation Liability81Delivery Goods Extension Clause (AON)81E511 Elevator and Escalator Clause81E512 Exhibitions & Promotions Clause82E513 Excess Insurance Clause82E514 Employees Act Clause82E515 Explosion of Boilers &/or Steam Pressure Vessels Extension83Boiler & Pressure Vessel Liability Clause (HSBC)83E516 Fire, Explosion & Smoke Damage Extension Clause83Smoke Damage Clause (HSBC)84E517 Fire Brigade & Water Damage Liability Clause84E518 First Aid Liability Extension84E519 First Aid Treatment Clause85E520 Food and Drink Clause85E521 Goods and Services Clause85E522 Guests Property Clause (Visitors Effects Clause)86Liability for personal effects of Guests (AON)86E523 Hoist, Cranes &/or Unregistered Vehicles Liability Clause86E524 Independent Contractors Liability Clause87Indemnity To Landlord Clause (AON)87E525 Liability to Directors & Non-manual Employees whilst Overseas (Overseas Business Trip Liability Clause)88Business Trip Abroad (Worldwide including USA/ Canada) (AON)88Business Trip Abroad ( Including U.S.A & Canda;Limit:RMB300,000 per person per accident) (Marsh)89E526 Loading and Unloading of Vehicles Clause89E527 Landlords Property under Care, Custody & Control of Insured89E528 Hired Or Non-Owned Automobile Liability Clause/Motor Contingent Liability Clause90E529 Owned Automobile Liability Clause90E530 Parking Liability Clause90Reinstatement of Limit (AON)91SIR Definition / Retention Clause (AON)91E531 Social &/or Sports Clubs Liability Clause93Social & Recreational Activities (Marsh)93E532 Strike, Riot, Civil Commotion or Malicious Damage Extension Clause93E533 Swimming Pool Liability Clause94E534 Personal Injury Liability Clause94Premises Medical Clause (AON)95Premises Medical Expenses Clause (Limit: US$500 any one accident) (Marsh)95Premises/Operations Clause (Marsh)95Property Owner's Liability (AON)95E535 Accidental Pollution Clause96Sudden and Accidental Pollution Liability Clause (HSBC)96Third Party Definition Clause (HSBC)96E536 Third Party Liability of Directors and Executives Clause97E537 Excess Liability Of Motor Insurance Clause97E538 Consequential Loss to Third Party Clause98E539 Lessors Liability Clause98Leased Staff Residences (Marsh)98E540 Delivery Risk Clause98E541 Gradual Disease99E542 Indemnity to Principals Clause99E543 Away Premise Clause100E544 Liquor Liability Clause100E545 Baby Sitting & Hair Dressing Liability Clause101E546 Tenants Legal Liability Clause101E547 Use of Hire in Plant, Machinery Liability Clause101C549 直接损失赔偿条款102E551 Absolute Exclusion of Asbestos Clause103Asbestos and refractory ceramic fibres (AON)103E552 Absolute Exclusion of Pollution Clause103E555 Professional Liability Exclusion104Working Away from Premises Clause (AON)104Vehicle not licenced for Public Road use Clause (HSBC)104WAIVER OF SUBROGATION CLAUSE (Marsh)105产品责任/Product Liability 105Automatic Cover of New Products Clause ( days Reporting Period) (AON)105Dioxins and Furanes Exclusion (AON)105E701 Premium Adjustment Clause105E702 Claim Made Basis Clause106E703 Batch Clause106E704 Completed Operation Hazard Endorsement107E705 Broad Form Vendors Liability Cover Clause108Polychlorinated Biphenyls Exclusion (AON)108Wrong Mark or inscription Extension Clause (AON)109BATCH CLAUSE (Marsh)109雇主 责 任 险/EMPLOYERS LIABILITY 109Automatic Additions & Deletions Clause (AON)109Bodily Injury (Marsh)109Dormitory Liability Extension (Marsh)109Definition of Salary / Remuneration (AON)110E601 Emergency Transportation Expenses Clause110Emergency Transportation Clause (AON)110E602 Extraordinary Weather Clause110E603 Meals & Lunch Time Extension111Catering Facilities Clause (AON)111E604 Temporarily Working Overseas Clause111E605 The Way To and From the Working Place Extension Clause111E606 24-Hour Cover on Business Travel112E607 24-Hour Cover for Accident Rider11224 Hour Extension Clause  (AON)112E608 Social & Recreational Activities (Sports) Clause113E609 Automatic Cover of New Employees Clause113Automatic Cover for New Employees Clause (AON)113E610 Premium Adjustment Clause113C611 每日住院现金保障附加条款114E612 Indemnity for Permanent Disablement Clause115E613 Definition of Occupational disease Clause116C614 额外保障利益附加契约117雇主责任批单条款 (AON)119E615 Employers Liability Endorsement119Service of the Insured (AON)120Workmen Clause B038 - building EL (AON)120工程/CONTRACTORS120E401 Airfreight Clause120E402 Automatic Reinstatement of Amount Clause121E404 Camps and Stores Clause121E405 Construction/Erection Machinery Clause121E406 Construction Material Clause122E407 Construction Plant, Equipment and Machinery Clause122E408 Contractual Liability Clause123E409 Contract work taken Over or Put into Service Clause123E410 Designers Risk Clause123Cover for Testing of Machinery and Installations124E412 Cross Liability Clause124E415 Drilling Work For Water Wells Clause125E416 Cost for Decontamination Clause126E417 Special Conditions Concerning Safety Measures with Respect to Precipitation, Flood and Inundation127E421 Existing Structures and/or Surrounding Property Clause127E423 Extended Maintenance Clause128E425 Extra Charges Clause129E426 Fire-Fighting Facilities Clause129E428 Guarantee Period Clause130E429 Hydrocarbon Processing Industries Clause 1130E430 Hydrocarbon Processing Industries Clause 2131E431 Inland Transit Clause131E432 Laying Water Supply and Sewer Pipes Clause132E433 Laying Pipelines, Ducts and Cables Clause132E434 Leak search costs when Laying Pipelines Clause133E435 Maintenance Visits Clause133E436 Marine Cargo Insurance (50/50) Clause134Motor Contingent Liability (AON)134E437 Non-Survey Clause135E439 Offsite Storage Clause135E442 Plans and Documents Clause136E443 Premium Installment Clause136E444 Prevention Measure Clause136E445 Professional Fees Clause137E446 Reactor Pressure Vessel with Internals Clause137E447 Removal of Debris Clause138E450 Strike, Riot and Civil Commotion Clause138E451 Structures in Earthquake Zones Clause140E452 Time Schedule Clause140E453 Time Adjustment Clause141E456 Underground Cables, Pipes and Other Facilities Clause141E457 Unexploded Bombs Clause142E459 Vibrati