bodily

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EMPLOYER’SLIABILITYINSURANCECLAUSES

Ⅰ.PARTIESTOBEINSURED

risincludingbutnotlimitedtoforeign-invested

enterpris,privateenterpris,domesticstockcompanies,

state-ownedenterpris,non-profitenterpris,collective

enterprisandcollectivelyorprivatelycontractedenterpris,

andalsopublicorganizations,governmentinstitutions,schools,

areallentitledtoapplyingtoChinaContinentProperty&

CasualtyInsuranceCompanyLimited(hereinafterreferredtoas

the"Insurer")toinsureagainsttheirlegalliabilitytotheir

employees(regularworkers,casuallabor,temporaryand

asonalworkersandapprenticesincluded)subjecttothe

termsandconditionsofthisPolicy.

resaidemployeesoftheInsuredrefertotho

whoarepaidforacertainoruncertainperiodofemployment

bytheInsuredandovertheageofsixteenortotho

approvedtobeemployedbystatutesandotherlegalmeans.

Ⅱ.COVERAGE

urerwillindemnifytheInsuredagainsthisliability

underthecontractofemploymentandatlawsandregulations

ofthePeople′sRepublicofChinatopaymedicalexpensand

othereconomiccompensationswithintheagreedlimitof

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indemnityinrespectofdeathorbodilyinjuryordisablement

byaccidentorthroughoccupationaldia,tohimployee(s)

while,duringtheeffectiveperiodofthisinsuranceandinthe

courofemployment(includingtoandoffwork)bythe

Insured,beingengagedintheInsured′sbusinessasstatedin

thisPolicy.

TheInsurerwillalsoindemnifytheInsuredwithinthe

agreedsub-limitagainstdefencostspayablebytheInsured

totheclaimant,andotherlegalcostsandexpensincurred

withthewrittenconntoftheInsurer.

Withintheperiodofinsurance,themaximumamountof

indemnitybytheInsurerforallandeachitem(s)mentioned

hereinaboveshallinnocaexceedtheaggregatelimitof

indemnityasstatedinthePolicySchedule.

Ⅲ.EXCLUSIONS

urershallnotbeliablefor:

1)Death,dias,disabilityorbodilyinjurysustainedby

theInsured′mployee(s)namedintheScheduleinthe

courofemploymentbytheInsured,arisingfromwar,

militaryactions,strikes,riots,civilcommotionornuclear

radiation;

2)Bodilyinjuryand/ordisabilityto,ordeathofthe

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employee(s)inthecourofemploymentbytheInsured,

caudbyorattributedtoillnessotherthanoccupational

dias,infectiousdias,childbirth,abortion,medical

treatmentandsurgicaloperationsnecessitatedbysuch

dias;

3)Bodilyinjuryand/ordisabilityto,ordeathofthe

employee(s)inthecourofemploymentbytheInsured,

caudbyorattributedtointentionallf-injury,suicideand

criminalact;

4)Bodilyinjuryand/ordisabilityto,ordeathofthe

employee(s)inthecourofemploymentbytheInsured,

caudbyorattributedtoalcoholordrugnotnecessitated

bytheaforesaidoccupation;

5)IntentionalactorgrossnegligenceoftheInsured;

6)TheInsured′sliabilitytoemployeesofcontractorsto

theInsured,unlessotherwistated;

7)Bodilyinjuryand/ordisabilityto,ordeathofthe

employee(s)inthecourofemploymentbytheInsured,

occurringoutsidetheterritoriallimitofthePeople’s

RepublicofChina,unlessotherwistated;

8)Otherlossandexpensnotincludedinthe

CoverageofthisPolicy.

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Ⅳ.LIMITOFINDEMNITY

itofindemnityreferstotheagreedmaximum

amountofindemnitypayablebytheInsurertotheInsuredfor

lossordamagessustainedbytheInsured’mployee(s)in

respectofanyoccurrencewithintheCoverageofthisPolicy.

Ⅴ.PREMIUM

opriatepremiumratefortheInsuredshallbe

ascertainedbytheInsurerwithaviewoftheexposuresand

itofIndemnitymultipliedbytheRate

makestheduepremium.

Ⅵ.PERIODOFINSURANCE

uranceperiodofthisPolicyisoneyear,asfrom

0:00onthedayofinceptionto24:00onthedayofexpiration.

ThisPolicyshallberenewedontheexpirydate.

Ⅶ.TREATMENTOFCLAIM

dgingaclaimagainsttheInsurer,theInsured

shallprovidetheoriginalPolicy,therelevantProofofAccident,

MedicalReportissuedbymedicalorganization(s)recognized

bytheInsurer,Originalreceiptofmedicalexpensandany

othernecessaryandeffectivedocumentsrequiredbythe

urershallassoonaspossibleexamineallthe

documents,ttletheclaimandeffectpaymentwithin10days

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fromthedatewhentheamountofindemnityismutually

agreedupon.

ventofoccurrencefallingwithintheCoverage

duringtheperiodofInsurance,theInsurershall,inthemanners

asfollows,indemnifytheInsuredagainsthisliabilityforthe

deathof,bodilyinjuryanddisablementtotheemployee(s),

specifiedintheNameListprovidedbytheInsured:

1)Inrespectofdeath,PermanentFull

Disablement/PermanentPartialDisablement:Thetotalamount

ofindemnityshallbecalculatedbymultiplyingthepercentage

tforthintheattachedIndemnityScaleofthePolicybythe

limitofindemnityfordeath,bodilyinjuryanddisablement

respectively.

2)InrespectofTemporaryDisabilityforaperiodexceeding

5days(thefirstfivedaysnotincluded):Duringthisperiod,as

certifiedbythehospital,theprofessionalinjurysubsidyper

personperdayshallbeinaccordancewiththeminimumliving

bsidy

shallbeterminatedoncethemedicaltreatmentiscompleted

ocashall

anentfullor

partialdisablementisascertainedbymedicalorganization(s),

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theindemnityshallbecalculatedaccordingtotheabove

ction9.1).Thetotalamountpayable,includinginjury

allowance/subsidy,shallnotexceedtheLimitofIndemnityfor

deathorbodilyinjurystipulatedintheScheduleofthisPolicy.

3)InrespectofMedicalExpens:theInsurershallpaythe

expensforregistration,treatment,operation,sickbed,

examination(withalimitofRMB300Yuan),andmedicinesat

h

expensshallnotincludethofortending,food,nutrition,

transportation,heating,airconditioningandartificiallimb,

tooth,eyeandothersupportingutensilsfordisabledpersons.

Exceptinthecaofemergency,theinjuredemployeesshould

betreatedinthehospitalsatorabovethecountylevelor

appointedbythegovernmentortheInsurer.

Remarks:

TheamountofindemnitypayabletotheInsuredforeach

ofhimployeeundereachctionofArticle9hereinabove

shallnotexceedhisliabilityatlaworunderthecontractof

employment,andinnocaexceedanysub-limitofindemnity

foranyonepersonasindicatedintheScheduleofthisPolicy.

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TheemployeesoftheInsuredshallnothave

compensationsbothfordeathandbodilyinjuryinrespectof

emnitylimitofmedicalexpen

paymentandthattodeathorbodilyinjurypaymentshallbe

appliedverally.

imarisunderthisPolicywhilethereisin

existenceofanyotherinsurancecoveringthesameliability,the

Insurershallonlybeliableforhisproportionoftheclaimfor

medicalexpens,injurysubsidy,andthedefencosts,no

matterwhetheranypaymenthasbeenmadeunderother

ctualnumberoftheemployeexceedsthe

numberindicatedintheScheduleofthePolicy,theInsurershall

onlybeliabletopaytheclaimsforlistedemployeesifthe

namesoftheemployeesinsuredarelistedinthePolicy,orto

paysuchproportionoftheclaimasthenumberofthe

employeesindicatedintheSchedulebearstotheactual

numberoftheemployees,unlessotherwiagreedbythe

Insurerifnecessary.

ectiveperiodoftimeforlodginganyclaim:two

years,commencingfromthedateofoccurrenceoftheaccident.

Ⅷ.OBLIGATIONSOFTHEINSURED

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uredandhisreprentative(s)shallgivetrueand

detailedanswersand/ordescriptionstothequestionsinthe

ProposalandQuestionnaireortoanyotherquestionraidby

theInsurer.

uredshallpaytotheInsurerinduecourthe

agreedpremiuminthemannerasspecifiedintheScheduleof

thePolicy.

uredshalltakeallreasonableprecautionsto

preventaccidentbystrengtheningsafetymanagementand

complyingwithallstatutoryregulationsandsafetyoperation

ventofanyoccurrenceofaccident,the

Insuredshalltakeallnecessaryandreasonablemeasuresto

minimizetheloss.

uredshallnotifytheInsurerinwritingwithinfive

(5)daysiftherehasanymaterialchangeofthesubjectinsured

intheProposaland/ortheScheduleofthePolicy,andthe

premiumwouldbereadjustedbytheInsureraccordingly.

Otherwi,theInsurershallnotbeliableforanyclaimresulting

therefrom.

ventofanyoccurrencewhichgivesormightgive

ritoaclaimunderthisPolicy,theInsuredorhis

reprentativeshall:

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1)NotifytheInsurerimmediatelyandwithinven(7)days

oranyfurtherperiodasmaybeagreedbytheInsurerinwriting,

furnishawrittenreporttoindicatethecourandprobable

reasonoftheaccident,theextentoflossordamage,andassist

theInsurerininvestigatingtheaccident;2)Makeno

admission,offer,promi,orexpressofpaymentwithoutprior

i,theInsurerwillnotbeliable;

3)GiveimmediatenoticeinwritingtotheInsurerwhenever

havingknowledgeofanyimpendingprocutioninconnection

withanyaccidentforwhichtheremaybeliabilityunderthis

Policyagainsthim,andforwardtotheInsurereveryletter,writ,

summonorprocessorotherlegaldocumentsonreceipt

urershallbeentitledtolodgingalawsuitor

pursuerecoveryinthenameofandonbehalfoftheInsured,

andtheInsuredshallmakeeveryefforttorenderallnecessary

assistance.

nsuredfailstofulfillanyofhisobligationsas

stipulatedinClau12toClau16,theInsurerwillbeentitled,

athisdiscretion,eithertorepudiatinganyliabilityunderthe

PolicyortocancelingthisPolicybywrittennotice.

Ⅸ.GENERALCONDITIONS

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Effect

Thedueobrvanceandfulfillmentofthetermsand

conditionsofthisPolicyinsofarastheyrelatetoanythingto

bedoneorcompliedwithbytheInsuredshallbeacondition

precedenttoanyliabilityoftheInsurerunderthisPolicy.

Termination

ThisPolicyshallbeautomaticallyterminatedifthe

erminationofthe

Policy,thepremiumshallberefundedtotheInsuredcalculated

onproratadailybasisfortheperiodfromthedateof

terminationtothedateofexpiry.

Cancellation

ThisPolicymaybecancelledatanytimeattherequestof

theInsuredinwritingorattheoptionoftheInsurerbygivinga

fifteen(15)ormerca

theInsurershallretainapremiumcalculatedonshort-termrate

basisforthetimethePolicyhasbeeninforcewhileinthelatter

casuchpremiumshallbecalculatedonproratadailybasis.

tofBenefit

Iftheclaimisinanyrespectfraudulent,orifanyfraudulent

meansordevicesareudbytheInsuredorhisreprentative

toobtainanybenefitunderthisPolicyorifanylossordamage

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isoccasionedbytheintentionalactorintheconnivanceofthe

Insuredorhisreprentative,theninanyofthecas,allthe

rightsandbenefitsoftheInsuredunderthisPolicyshallbe

forfeited,andallconquentlossarisingtherefromincluding

theamountofclaimpaidbytheInsurershallbeindemnifiedby

theInsured.

ation

Whereathirdpartyshallbeheldresponsibleforthelossor

damagecoveredunderthisPolicy,theInsuredshall,whether

beingindemnifiedbytheInsurerornot,takeallnecessary

measurestoenforceorrervetherightofrecoveryagainst

suchthirdparty,anduponbeingindemnifiedbytheInsurer,

subrogatetotheInsureralltherightofrecovery,transferall

necessarydocumentstoandassisttheInsurerinpursuing

recoveryfromtheresponsibleparty.

e

Regardingthedisputearisingoutofthisinsurance,the

contractingpartiesareobligedtochooandspecifyinthe

contractoneofthefollowingtwodisputettlementmeans:

1)ShouldanydisputeariunderthisPolicy,the

contractingpartiesshallttlethedisputethroughnegotiation.

Incanoagreementisreached,suchdisputeshouldbe

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submittedto

arbitrationcommitteeforarbitration.

2)ShouldanydisputeariunderthisPolicy,the

contractingpartiesshallttlethedisputethroughnegotiation.

Incanoagreementisreached,eitherpartymayfilealawsuit

onthePeople’sCourt.

iction

ThisPolicyshallbegovernedbythelawsofthePeople’s

RepublicofChina.