Hello, the details are as follows:
Insurance liability:
Rule three. During the insurance period, if a fire or explosion accident occurs in the business premises of the insured company, causing personal injury or property loss to a third party, the insured shall be liable for economic compensation according to the laws of People's Republic of China (PRC) (excluding the laws of Hong Kong, Macao and Taiwan), and the insurer shall be responsible for compensation according to the provisions of this insurance contract.
Article 4 After the occurrence of an insured accident, if the insured is brought to arbitration or litigation because of the insured accident, the insurer shall be responsible for the arbitration or litigation fees paid by the insured and other necessary and reasonable fees (hereinafter referred to as "litigation fees") paid with the insurer's prior written consent.
Exemption from liability:
Article 5 The insurer shall not be liable for compensation under the following circumstances: if an accident occurs in a business place that has not been accepted by the public security fire department or fails to pass the acceptance, resulting in property loss and personal injury to a third party.
Article 6? The insurer shall not be liable for losses, expenses and liabilities caused by the following reasons:
(1) Property losses and personal injuries caused by fires caused by earthquakes, volcanic eruptions, underground fires, nuclear explosions and falling objects in the air;
(2) Property losses and personal injuries to third parties directly or indirectly caused by fires caused by wars, military operations, riots and strikes;
(3) Property loss and personal injury of a third party caused by the intentional act or gross negligence of the insured;
(4) Fire liability for fire and explosion around the business premises of the insured company, which spread to the business premises of the insured company and then spread to other places through the business premises of the insured company;
Article 7? The insurer shall not bear the following losses, expenses and responsibilities:
(1) The liability promised by the insured according to the agreement with others, but the legal liability of the insured is not limited to this;
(2) Loss of property owned, kept or controlled by the insured or his representative, his employees or anyone who serves him, and personal injury or death of the above-mentioned personnel;
(3) Fines, fines or punitive damages borne by the insured;
(4) Indirect losses of third parties;
(5) Deductible agreed in this insurance contract:
A. the deductible stipulated in this insurance contract;
Deductible calculated according to the deductible stipulated in this insurance contract.
The higher of the above two shall prevail.
Article 8? The insurer shall not be liable for other losses, expenses and responsibilities not covered by this insurance.
Here are some comprehensive insurances for your reference:
Huatai Jinling Life Insurance Comprehensive Accident Insurance
Covering high accidental injuries, accidental medical care and traffic protection, it is suitable for business travelers who travel frequently.
1, 500,000 for general accident insurance and 50,000 for accidental medical insurance;
2. Aviation accident insurance premium is as high as 2 million yuan, and train, ship and car insurance premium is 500,000 yuan;
"Taiping Fushou" accident insurance
Taiping Life Insurance is a comprehensive accidental injury insurance with balanced protection, which is very suitable for purchase as a supplement to social security.
1, ordinary accident insurance 1 10,000 yuan, accident medical insurance 20,000 yuan;
2. Aircraft accident insurance premium is 500,000 yuan, train and ship insurance premium is 200,000 yuan, and bus insurance premium is 6.5438+0.5 million yuan;
For more accident insurance products, please visit >> comprehensive accident insurance encyclopedia.