Both parties agree that in view of the extra premium paid by the insured, this insurance is extended to cover the necessary and reasonable emergency transportation expenses paid by the employees of the insured in the event of an insured accident.
The liability under this clause shall not exceed the following limits:
Limit of liability per person: _ _ _ _ _ _ _
Cumulative liability limit: _ _ _ _ _ _ _ _
02. Extended meal time clause
Both parties agree that if any employee of the insured is injured or killed while eating at the insured place, such injury or death shall be deemed to have occurred during the employment period.
Terrorism clause
Both parties agree that this insurance extends to the economic compensation liability that the insured shall bear according to law when the employees listed in the schedule of this insurance policy suffer personal injury or death directly caused by terrorists or organizations.
04. Temporary overseas work terms
Both parties agree that, in view of the extra insurance premium paid by the insured, this insurance extends to the economic compensation liability that the insured shall bear according to the laws of People's Republic of China (PRC) and China when the employees employed by the insured suffer accidental injury or illness during their temporary overseas work.
05.24-hour extension clause
Both parties agree that, in view of the extra insurance premium paid by the insured, this insurance extends to the economic compensation liability that the insured shall bear according to law when the employees of the insured suffer accidental casualties within 24 hours before and after employment.
06. Sports or recreational activities clause
As agreed by both parties, in view of the extra premium paid by the insured, this insurance extends to the economic compensation liability that the insured shall bear according to law when the insured employees participate in welfare activities organized by the insured and cause personal injury or death during the exercise.
07. Errors and omissions.
Both parties agree that the liability for compensation under this insurance will not be rejected because of unintentional delay, error or omission when the insured reports the number of employees, changes or other relevant information to the insurer. Once the insured becomes aware of its negligence or omission, he shall report to the insurer within a reasonable time and negotiate with the insurer to pay the extra premium.
08. Breach of warranty
Both parties agree that the conditions and warranties of this insurance policy will apply to each insurance risk separately, but not to all insurance risks. Therefore, the violation of certain conditions and guarantees only invalidates the part of the guarantee that violates the applicable risks, and does not affect the effectiveness of other risk guarantees.
09. Third party liability insurance clauses
Both parties agree that this insurance will extend the coverage to the employees of the insured in consideration of the extra premium paid by the insured. During the validity period of this insurance, if the insured causes personal injury or property loss to a third party due to an accident or negligence, the insurer shall be responsible for the amount that should be paid by the insured according to law, as well as the pension, medical expenses and compensation expenses incurred by the third party.
Excluded liability:
Liability for compensation caused by employees employed by the insured driving various motor vehicles;
The amount of compensation incurred by employees employed by the insured in other specialized occupations such as doctors, lawyers, accountants, designers, builders and beauticians.
The compensation limit of third party liability insurance for each accident is RMB _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The cumulative compensation limit is RMB _ _ _ _. The compensation for personal injury and death is RMB _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The deductible for each property loss accident is RMB.
Other conditions contained in this insurance policy remain unchanged.
10. Additional clauses on strike, riot and riot liability insurance (2004)
As specifically agreed by both parties to the insurance contract, and the insured has paid the corresponding additional insurance premium, if the insured's staff is disabled or killed due to strikes, riots or civil strife during the insurance period, the insurer shall be responsible for the economic compensation that the insured should bear according to the laws of People's Republic of China (PRC), and the insurer shall be responsible for the compensation within the limit of liability according to this additional insurance contract.
If there is any conflict between this additional insurance clause and the employer's liability insurance clause, this additional insurance clause shall prevail; Other matters not covered herein shall be subject to the employer's liability insurance clauses.
1 1. Additional Nuclear Radiation Liability Insurance Clause (2004)
As specifically agreed by both parties to the insurance contract, and the insured has paid the corresponding additional insurance premium, if the employees of the insured engaged in nuclear industry production, research and application are injured due to sudden nuclear accidents or occupational diseases due to nuclear radiation during the insurance period, they shall be deemed as work-related injuries according to law, and the insurer shall be responsible for compensation within the limit of liability according to the provisions of this additional insurance contract.
If there is any conflict between this additional insurance clause and the employer's liability insurance clause, this additional insurance clause shall prevail; Matters not covered in this contract shall be subject to the owner's insurance clauses.
12. Additional liability insurance clauses for overseas official travel (2004)
As specifically agreed by both parties to the insurance contract, and the insured has paid the corresponding additional insurance premium, during the insurance period, if the insured's staff is disabled or dies due to an accident while going abroad on business, the insurer shall be responsible for the economic compensation that the insured should bear according to the laws of People's Republic of China (PRC) and China, and the insurer shall be responsible for the compensation within the limit of liability according to this additional insurance contract.
The insurer shall not be liable for overseas medical expenses paid by the insured (including Hongkong, Macau and Taiwan Province Province).
If there is any conflict between this additional insurance clause and the employer's liability insurance clause, this additional insurance clause shall prevail; Other matters not covered herein shall be subject to the employer's liability insurance clauses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.