EMPLOYER’S LIABILITY INSURANCE CLAUSES
Ⅰ. PARTIES TO BE INSURED
1.Enterpris including but not limited to foreign-invested enterpris, private enterpris, domestic stock companies, state-owned enterpris, non-profit enterpris, collective enterpris and collectively or privately contracted enterpris, and also public organizations, government institutions, schools, are all entitled to applying to China Continent Property & Casualty Insurance Company Limited(hereinafter referred to as the "Insurer") to insure against their legal liability to their employees (regular workers, casual labor, temporary and asonal workers and apprentices included) subject to the terms and conditions of this Policy.aesthetic
2.The aforesaid employees of the Insured refer to tho who are paid for a certain or uncertain period of employment by the Insured and over the age of sixteen or to tho approved to be employed by statutes and other legal means.
Ⅱ. COVERAGEkline
3.The Insurer will indemnify the Insured against his liability under the contract of employment and at laws and regulations of the People′s Republic of China to pay medical expens and other economic compensations within the agreed limit of indemnity in respect of death or bodily injury or disablement by accident or through occupational dia, to his employee(s) while, during the effective period of this insurance and in the cour of employment (including to and off work) by the Insured, being engaged in the Insured′s business as stated in this Policy.
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imaginationThe Insurer will also indemnify the Insured within the agreed sub-limit against defen costs payable by the Insured to the claimant, and other legal costs and expens incurred with the written connt of the Insurer.
Within the period of insurance, the maximum amount of indemnity by the Insurer for all and each item(s) mentioned hereinabove shall in no ca exceed the aggregate limit of indemnity as stated in the Policy Schedule.
Ⅲ. EXCLUSIONS
4.The Insurer shall not be liable for:
1) Death, dias, disability or bodily injury sustained by the Insured′s employee(s) named in the Schedule in the cour of employment by the Insured, arising from war, military actions, strikes, riots, civil commotion or nuclear radiation;
2) Bodily injury and/or disability to, or death of the employee(s) in the cour of employment by the Insured, caud by or attributed to illness other than occupational dias, infectious dias, childbirth , abortion , medical treatment and surgical operations necessitated by such dias;
3) Bodily injury and/or disability to, or death of the employee(s) in the cour of employment by the Insured, caud by or attributed to intentional lf-injury, suicide and criminal act;
4) Bodily injury and/or disability to, or death of the employee(s) in the cour of em
ployment by the Insured, caud by or attributed to alcohol or drug not necessitated by the aforesaid occupation;
5) Intentional act or gross negligence of the Insured;
6) The Insured′s liability to employees of contractors to the Insured, unless otherwi stated;
7) Bodily injury and/or disability to, or death of the employee(s) in the cour of employment by the Insured, occurring outside the territorial limit of the People’s Republic of China, unless otherwi stated;
8) Other loss and expens not included in the Coverage of this Policy.
10月26日考试Ⅳ. LIMIT OF INDEMNITY
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5.The limit of indemnity refers to the agreed maximum amount of indemnity payable by the Insurer to the Insured for loss or damages sustained by the Insured’s employee(s) in respect of any occurrence within the Coverage of this Policy.
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Ⅴ. PREMIUM
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6.An appropriate premium rate for the Insured shall be ascertained by the Insurer with a view of the exposures and Rating Table. The Limit of Indemnity multiplied by the Rate makes the due premium.
Ⅵ.PERIOD OF INSURANCE
long long way to go7.The insurance period of this Policy is one year, as from 0:00 on the day of inception to 24:00 on the day of expiration. This Policy shall be renewed on the expiry date.
Ⅶ. TREATMENT OF CLAIM
8.When lodging a claim against the Insurer, the Insured shall provide the original Policy, the relevant Proof of Accident, Medical Report issued by medical organization(s) recognized by the Insurer, Original receipt of medical expens and any other necessary and effective documents required by the Insurer. The Insurer shall as soon as possible examine all the documents, ttle the claim and effect payment within 10 days from the
date when the amount of indemnity is mutually agreed upon.
9.In the event of occurrence falling within the Coverage during the period of Insurance, the Insurer shall, in the manners as follows, indemnify the Insured against his liability for the death of, bodily injury and disablement to the employee(s), specified in the Name List provided by the Insured:
