保險翻譯-中英文翻譯

 Ping An Liability Insurance Clause for Travel Agencies (2004)
平安旅行社責任保險條款（2004）

General Provisions
Article 1  This Clause is formulated to guarantee the legal rights and interests of travel agencies and tourists, as well as to defuse the operating risk of travel agencies.
Article 2   Any travel agency, which is legally established, registered and operated in the territory of the People’s Republic of China, may become the Insured of this insurance.
Insuring Agreement
Article 3  During the period of this insurance, where an accident incurs during the tour arranged by the Insured causes injury or death to a tourist who travels according to the scheduled journey, the Company shall, as for the economic compensation liability borne by the Insured according to the law, be liable for the limit of indemnity agreed upon in the Policy Schedule in light of the provisions of this Clause.
Article 4  During the period of this insurance, where an accident incurs during the tour arranged by the Insured causes injury or death to a tourist who travels according to the scheduled journey, and if the tourist or his/her relative claims compensation for mental damage, the Company shall, as for the mental damage compensation liability that is judged by the People’s Court and is borne by the Insured according to the law, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause.
Article 5  During the period of this insurance, upon the occurrence of the following property losses and increased expenses to a tourist who travels according to the scheduled journey during the tour arranged by the insured, the Company shall, as for the economic compensation liability borne by the Insured according to the law, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause:
(1) The baggage of the tourist is damaged, stolen or robbed;
(2) Economic loss or necessary or reasonable increased expenses incurred for the tourist is refused to enter into the country by the Customs;
(3) The tourist’s necessary or reasonable expenses for making up the travel certificates (excluding airline ticket, credit card, cash, traveler’s cheque and ID card) after they are missed;
(4) The tourist’s necessary or reasonable increased expenses incurred for the delay of traffic tools;
(5) The necessary or reasonable increase of traveling expenses incurred by an accident or natural disaster; 
(6) The tourist’s additional increase of necessary or reasonable expenses for sending back minors or elders over sixty (60) years old along with him/her in advance after the occurrence of an accident.
Article 6  After the occurrence of the Insured events as specified in the third, fourth and fifth paragraphs of this Clause, the Company shall, as for the insured’s actual payment of necessary or reasonable litigation expenses approved in writing by the Company in advance, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause. 
Article 7  After the occurrence of the Insured events as specified in the third, fourth and fifth paragraphs of this Clause, the Company shall, as for the insured’s necessary or reasonable expenses for preventing and mitigating losses, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause. 
Exclusions
Article 8  The Company shall be exempt from losses, expenses and liabilities caused by any of the following reasons:
(1) Intentional acts of the Insured or his/her representative or employee;
(2) Wars, acts similar to war, acts of hostility, military acts, armed conflicts, strikes, commotion and riots; 
(2) Government action, excluding the action that the Customs refuses the entry into the country;
(4) Nuclear reaction, nuclear radiation or radioactive pollution;
(5) Earthquake, volcano or cyclone;
(6) The health reasons or intentional or gross negligence of the tourist;
Article 9  The Company shall be not liable for any of the following circumstances:
(1) The Insured fails to have corresponding qualifications or entrusts an incompetent organization or individual to arrange and organize tourists for tour;  
(2)  The Insured has done a business beyond his/her own business scope. 
Article 10  The company shall bear no obligation for indemnification for the following losses, expenses and liabilities:
(1) Any losses of the Insured and his/her employee, however those that have been declared and the premium paid in advance according to the agreement by the tour leader or guide designated by the insured, shall not be limited by this Paragraph. 
(2) Any losses of the entrusted organization or individual of the insured;
(3) The duties agreed in the agreement by and between the Insured and other party, however, shall, even though there’s no such agreement concerning the Insured, the liability that shall be borne by the Insured in accordance with the law shall not be limited by this Paragraph
(4) Any indirect losses;
(5) Any penalty, fine or punitive indemnity;
(6) Any losses occurring beyond the duration and places of the scheduled tour, unless otherwise agreed upon;
(7) Any losses of any person that is not listed in the tourist roster, unless otherwise agreed upon;
(8) Any personal injury, mental compensation and property loss incurred from the tourist's participation of such high-risk activities as racing, horse race, rock climbing, power-free glide, explorative drift, diving, alpine skiing, board skating, parachute jump, fire balloon, bungee jumping and surfing, etc.;
Article 11  The company shall bear no obligation for losses of the following properties:
Losses of mobile communication tools, notebook computers, pickup cameras, cameras, watches, bullion, ornament, jewelry, cultural relics, calligraphy and painting, data, cash, credit cards, bills, documents, securities, files, accounting books and technical data, etc.
However, the loses of notebook computers, pickup cameras, cameras and mobile communication tools that are caused by an accident, and the losses caused by theft or rob under the direct storage of the Insured shall not be limited by this Paragraph.
Article 12  The Company shall bear no obligation for indemnification for other losses, expenses and liabilities not falling within the scope of the insurance liabilities.
Limit of Indemnity
Article 13  The economic compensation liabilities undertaken by the Company for everybody under the third, fourth, fifth, sixth and seventh paragraphs of this Clause shall not exceed the limit of indemnity for everybody as agreed in the Policy Schedule; and the indemnity for everybody under the fifth and seventh paragraphs of this Clause shall not exceed the property indemnity limit as agreed in the Policy Schedule.  
The medical expenses undertaken by the Company for everybody shall not exceed the medical expense indemnity limit for everybody as agreed in the Policy Schedule.
The highest indemnity undertaken by the Company for each accident shall not exceed that as agreed in the Policy Schedule.
Insurance Period
Article 14  Unless otherwise agreed, the insurance period for this Insurance is one year. The insurance liability shall automatically extend to the last date of the travel journey if the travel journey commences within the insurance period.
Claims Procedure
Article 15  While the Insured applies to the Company for indemnity, he/she shall submit:
(1) Accident Notice;
(2) Travel Contract and Tourist Roster;
(3) Indemnity Agreement or Reconciliation Agreement signed by and between the Insured and the tourist or he/her legal successor;
(4) The original Policy Schedule;
(5) Accident Certificate;
(6) Where property losses are incurred from a theft or rob, Penal Case Filing Certificate and Property Source Certificate shall be submitted to the public security organ;
(7) Where property losses are incurred during the deposit period of the Insured, the corresponding Deposit Voucher shall be submitted;
(8) Statements of Loss and Expenditure;
(9) As for those that shall be judged and arbitrated, the Judgment Document or Arbitration Award shall be submitted;  
(10) Other necessary materials that may prove the cause of accident and the condition of loss.
Article 16  Where there are property losses, the repair shall be given to the greatest extent. The Insured and the Company shall determine the repair item, method and expense prior to the repair. Otherwise, the Company shall have the right to check and ratify them again or to raise defense.
Article 17  Where the personal injury or property loss of the tourist is caused in whole or part by a third party, the Company shall indemnify the amount stipulated in the third, fourth and fifth paragraphs of this Insurance Clause according to the following terms:
(1) Where the third party fails to indemnify its indemnity amount in accordance with the law, the Company shall calculate the insured as agreed in the Policy Schedule.
(2) Where the third party has indemnified its indemnity amount in accordance with the law:
1. In case the indemnity mount borne by the third party within the coverage of this Insurance is lower than that calculated according to the provisions of this Clause, the Company shall be liable for the balance between the indemnity amount calculated according to this Clause and the indemnity amount paid by the third party within the scope of the coverage.
2. In case the indemnity amount borne by the third party within the scope of the coverage of this Insurance is higher than that calculated according to the agreement of this Insurance, the Company shall be exempt from indemnification.
Article 18  After the occurrence of an insured event, without the written consent of the Company, the Insured or his/her representative shall not make any promise, rejection, offer, agreement, payment or indemnity towards the claimer. If necessary, the Company shall have the right to defend or handle the relevant claim matters in the name of the Insured.
Article 19  If necessary, the Company shall, in the name of the Insured, have the right to recover indemnification from relevant responsible parties at its own cost. Without the written consent of the Company, the Insured shall not unilaterally accept the payment or indemnity arrangement made by the relevant parties upon relevant losses, or waive the right of claim from relevant responsible parties. Otherwise, the results thereout shall be borne by the Insured.
Article 20  At the occurrence of the losses in the scope of coverage, should the relevant responsible parties be liable for the indemnity, the Insured shall take all measures to claim indemnity from such parties. The Company may, from the date when indemnity is paid to the insured, excise subrogation right through the Insured to recover indemnification from the relevant responsible parties for the amount of indemnity. The Insured shall, for the Company’s subrogation to recover indemnification, actively assist the Company and provide necessary documents and inform all that he knows
Article 21  The Company shall, upon receipt of the indemnity claim of the Insured, check and ratify it timely, and shall, upon the part falling within the scope of coverage, perform its compensation obligation within ten (10) days after an indemnity agreement is reached with the Insured.
Article 22  In the event that an overlapping insurance exists for the Insured, the Company shall only bear the obligation of pro rata indemnity.
Article 23  Such actions as the Company accepts a case, surveys on site, verifies the price, participates in the lawsuit and advises the Insured shall not be deemed as the Company’s promise to insurance liability.
Duties of Insurance Applicant and the Insured
Article 24  The Insurance Applicant shall perform his/her obligation of making an honest representation, and shall, upon the items specified in the Application and other items put forward by the Company, make truthful and detailed instruction or description. Where the Insurance Applicant intentionally conceals facts and fails to perform his/her obligation of making an honest representation, the Company shall have the right to refuse the indemnification or terminate this Policy as of the date of the written notice.
Article 25  The Insurance Applicant shall pay the premium duly in accordance with the agreement. In the event that the Insurance Applicant fails to pay the premium duly in accordance with the agreement, the Company shall be exempt from indemnification, and may rescind this Contract within fifty (15) days after the agreed period.
Article 26  The Insured shall submit tourist roster in data text or in written form to the Company prior to the organization and arrangement of the travel journey; should such tourist roster be changed, the Insured shall inform the Company timely. The change of the tourist roster shall come into effective after the consent of the Company in data text or in written form.   In the event the Insured fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 27  The Insured shall notify the scheduled travel journey to the Company in data text or in written form prior to the commencement of the organization and arrangement of the travel journey; in the event the scheduled travel journey needs a change, the Insured shall notify the Company promptly, and the change of the scheduled travel journey shall come into effective after the consent of the Company in data text or in written form. In the event the Insurance Applicant fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 28  During the insurance period, should the important insurance items be changed or the risk of the subject matter of the insurance be increased, the Insurance Applicant shall notify the Company in good time. In the event the Insurance Applicant fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 29  The Insured shall observe the relevant laws and regulations of the State, and shall not engage any business beyond its registered business scope. The Company shall bear no obligation for indemnification for any insured event incurred to the business of the Insured beyond his/her registered business scope.
Article 30  The Insured shall substantially remind, dissuade and warn the tourists of the safety of tourism in advance, and shall take effective preventive measures for possible accidents.  Where the Insured fails to fulfill his/her obligation of safety management, the Company shall have the right to ask for an increase in the premium or to terminate the Contract.
Article 31  At the occurrence of an accident falling with the scope of coverage, the Insured or his/her representative shall: 
(1) Notify the Company timely and explain the cause and course of the accident and the extent of losses in writing within seven (7) days or within the extended period approved by the Company in writing. Where the insured or his/her representative fails to timely inform the Company his/her failure in reasonably investigating the cause and course of the accident and the extent of losses, the Company shall have the right to defend.
(2) Try his/her best to take all necessary preventive measures to avoid aggravation of the loss or damage and minimize it to the least extent; otherwise, the Company shall bear no obligation for indemnification for the aggravation of the loss thereout.
(3) Upon the occurrence of an accident pertaining to public security case, report it timely to the relevant public security authority and the local public security organ. Otherwise, the Company shall bear no obligation for indemnification for the aggravation of the loss thereout.
Article 32  Where the Insured learned that a lawsuit might be brought, he/she shall promptly notify the Company in writing; where he/she receives the subpoenas or other legal documents from the court, he/she shall submit them to the Company timely. Otherwise, the Company shall bear no obligation for indemnification for the aggravation of the loss thereout.
Dispute Settlement
Article 33  Any dispute pertaining to this Policy shall be settled through negotiation. Should no settlement be reached, any of the following two means shall be chosen:
(1) Apply to ______________ Arbitration Committee for arbitration; and
(2) Bring a lawsuit with the people’s court with jurisdiction.
Article 34  Any dispute arising from the Policy shall be governed by the law of the People’s Republic of China.

Definition:
[Tourist] refers to:
1. The obligee who concludes travel service contract with the Insured as well as accepts the travel service supplied by the insured;
2. The obligee who concludes travel service contract with other travel agency as well as accepts the travel service supplied by the Insured due to the Insured accepts the commission of this travel agency.
3. The guide and tour leader agreed by the Company in advance.

Ping An Liability Insurance Rider Clause on Special Travel Programs
平安特殊旅游項目責任附加險條款（2004）

Article 1  This Insurance is the Rider of Ping An Liability Insurance Clause for the Travel Agencies (2004) (hereinafter referred to as “the Master Policy”). It may not be separately applied for but applied on the basis of the application of the Master Policy.
Where there is any discrepancy between the Rider and the Master Policy, this Rider Clause shall prevail. Those matters not referred to in this Rider, the provisions of the Master Policy shall be applied.
Article 2  During the insurance period of the Rider, any accidental personal injury or death incurred from the tourist's participation of such high-risk travel activities as racing, horse race, rock climbing, power-free glide, explorative drift, diving, alpine skiing, board skating, parachute jump, fire balloon, bungee jumping and surfing according to the scheduled travel journey:
(1) The Company shall, as for the economic compensation liability borne by the Insured according to the law, be liable for the limit of indemnity in light of the provisions of this Rider Clause.
(2) Where the tourist or his/her close relative claims mental damage compensation, the Company shall, as for the mental damage compensation liability which is judged by the people’s court and shall be borne by the Insured according to the law, be liable for the limit of indemnity agreed in the Policy Schedule in light of the provisions of this Rider Clause.
Article 3  The Rider shall not otherwise set the limit of indemnity, and the application of this Rider shall not lead to the increase of the limit of indemnity.
Article 4  Where the operators of the high-risk activities participated by the tourist fail to have corresponding qualifications, the Company shall bear no obligation for indemnification.  
Article 5  At the occurrence of any insured event as stipulated in Article 2 of the Rider, the Company shall bear no obligation for the indemnity of any property losses.
Article 6  The Insured shall explain the perils and relevant preventive measures pertaining to the high-risk activities as mentioned in Article 2 of the Rider to the tourist prior to the arrangement of the participation; and take various preventive measures in the process of activities to avoid the occurrence of accidents. 
 
 

Ping An Professional Liability Insurance Clause for Agents
平安保險中介機構職業(yè)責任保險條款（2005）

General Provisions
Article 1  This Insurance is set up to promote the sound development of the insurance agents industry, to guarantee the legitimate interests of the client and to enhance the risk resisting ability of the insurance agents and brokers.
Article 2  Any insurance agent or broker, which is established within the territory of China (excluding Hong Kong, Macao and Taiwan) pursuant to the Law, may apply for this Insurance and become the Insured thereof.

Insuring Agreement
Article 3  From the first date of the retroactive period specified in the Policy Schedule to the expiry date of the insurance period, during which the Insured engages in insurance agency or broking as agreed in the Policy Schedule, economic losses are caused thereby to clients due to the Insured falsely fails to perform his/her own responsibilities and obligations in business, and the client claims indemnification from the Insured during the insurance period in accordance with the laws of China (excluding the laws of Hong Kong, Macao and Taiwan) for the first time, the Company shall, pursuant to the provisions under this Policy, be liable for the limit of indemnity for the economic compensation liability which shall be borne by the Insured in accordance with the law.      
Article 4  After the occurrence of an insured event, the Company shall, in accordance with the provisions of the Policy, be liable for the limit of indemnity of the relevant arbitration or litigation expenses paid by the Insured with the prior written consent of the Company.
Article 5  After the occurrence of an insured event, the Company shall, in accordance with the provisions of this Clause, be liable for the limit of indemnity for the necessary or reasonable expenses paid to avoid or mitigate the losses of the client and to prevent further losses.

Exclusions
Article 6  The Company shall bear no obligation for any loss or expense caused by the following reasons.
(1) The fraudulent or malicious collusion or other intentional actions of the Insured or his/her representative;
(2) The insurance agency business engaged by the Insured overstepping the business scope and business area ratified by China Insurance Regulatory Commission and stipulated in the business license;
(3) Any business that is handled by the Insured beyond the authority of the client.
(4) The insurance agency business handled by the person without effective Certificate for Insurance Agency Practitioner, Certificate for Insurance Broking Practitioner and relevant practicing certificates;
(5) The business handled privately by the insured’s professional insurance agent without the consent of the Insured, or the business handled by other business agents.
(6) The embezzlement or encroachment of premium, proceeds or indemnity.
(7) The Insured discloses the business secrets of the client or slanders against the client; 
(8) Such natural disasters as earthquake, tsunami, thunderbolt, flood, rainstorm, typhoon, tornado and earth sink, or such accidents as fire, explosion, etc.
(9) Wars, military acts, terrorist activities, strikes, commotion, theft or rob;
(10) Administrative acts or judicial acts.
Article  7  The Company shall not be liable for indemnifying for any loss and expense arising from the following items:
(1) Claims that the Insurance Applicant has known or may reasonably predict prior to insuring.
(2) Any losses caused by the Insured during the cancellation, withdrawal and revocation of the Certificate for Practicing Insurance Agency, Certificate for Practicing Insurance Broking and relevant practicing certificates.
(3) Indemnification occurring under the circumstance that no written Contract is made by and between the Insured and the Client.
(4)The duties agreed in the agreement signed by and between the Insured and the client. In the event no such agreement exists, the duties borne by the Insured in accordance with the law shall not be limited by this paragraph.
(5) Damage or loss of personal injury and tangible property caused by the Insured upon the client or a third party.
(6) Indemnification claimed by the client from the Insured not in accordance with the laws of China (excluding the laws of Hong Kong, Macao and Taiwan);
(3) Any indemnification of mental injury.
Article 8  The Company shall bear no obligation for indemnity for the deductibles that shall be borne by the Insured as of himself/herself as agreed or specified in this Policy
Article 9  The company shall bear no obligation for indemnification for other losses, expenses and liabilities not subject to the scope of coverage in the third to fifth paragraphs of this Clause. 

Limit of Indemnity
Article 10  The total indemnity amount made by the Company for each accident in accordance with the provisions of the third, fourth and fifth paragraphs of this Clause shall not exceed the limit of indemnity as specified therewith in the list of the Policy Schedule; the indemnity amount of litigation expenses undertaken for each accident as stipulated in the fourth paragraph of this Clause shall not exceed the limit of indemnity of the litigation expenses as specified therewith in the list of the Policy Schedule.    
During the insurance period of this Policy, the total indemnity amount borne by the Company as stipulated in the third, fourth and fifth paragraphs of this Clause shall not exceed the accumulative indemnity amount as specified in the list of the Policy Schedule, and the indemnity expenses of the litigation expenses as stipulated in the fourth paragraph shall not exceed the accumulative limit of indemnity of the litigation expenses as specified in the list of the Policy Schedule.     

Duties of Insurance Applicant and the Insured
Article 11  Where the Insurance Applicant intentionally conceals facts and fails to perform his obligation of making an honest representation, the Company shall have the right to raise defense or terminate this Policy as of the date of the written notice.
Article 12  The Insurance Applicant shall submit the roll of professionals that he/she formally engages as insurance agent as well as submit the certification to the Company when insuring. Otherwise, the Company shall have the right to terminate the Policy.
Article 13  In the event that there’s any change in the Insured’s professional insurance agent during the insurance period, the Insured shall submit the roll on the change of professional agents to the Company within three (3) months. The qualifications of the professional practitioner shall be authorized by the regulatory authority of the State. Where the Insured fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 14  The Insurance Applicant shall pay the premium as agreed in the Policy. In the event that the Insurance Applicant fails to pay the premium duly in accordance with the agreement, the Company shall be exempt from indemnification, and may rescind this Contract within fifty (15) days after the time limit.
Article 15  The Insured shall observe the relevant provisions of the State and exert to protect the legal rights and interests of the client. Otherwise, the Company shall have the right to increase the premium or to terminate the Policy.
Article 16  The Company shall have the right to conduct risk evaluation upon the business risk of the Insured. The Insured shall seriously implement the reasonable suggestions put forward by the Company and accepted by the Insured. Otherwise, the Company shall have the right to increase the premium or to terminate the Policy.

Claims Procedure
Article 17  When the Insured receives claims by the client or knows something may cause claims, he/she shall promptly notify the Company and provide the claim documents or materials as required by the Company.
Article 18  When the Insured claims against the Company for indemnification, the following documents or materials shall be submitted to the Company:
(1) Original Insurance Policy;
(2) The Qualification Certificate, Professional Certificate and Labor Contract of the professional practitioners causing claims;  
(3) Certificate for Insurance Agency Practitioner, Certificate for Insurance Broking Practitioner and the copy of Business License;
(4) The Contract made by and between the Insured and the client pertaining to the claims;
(5) Application for Indemnification of the Insured;
(6) Other relevant documents that may determine the nature, cause and extent of loss or damage of the insured event.
Article 19  At the occurrence of any indemnification under this Policy, the Insured or his/her representative shall, without the written consent of the Company, not give any promise, offer, payment, agreement or indemnification to the party claiming for indemnification. If necessary, the Company shall have the right to take over the settlement for any defense or indemnification of the lawsuit in the name of the Insured.
Article 12  Upon the occurrence of an insured event, in the event that an overlapping insurance exists, the Company shall only bear the obligation pro rata indemnity.
Article 21  Where the annual operating revenue supplied by the Insured is less than the total operating revenue of twelve (12) months prior to the insuring, the Company shall, upon the occurrence of an insured event, bear the proportional indemnity; in the event the Insured has commenced his/her business no more than twelve (12) months when insuring, the annual operating revenue shall be agreed by both parties through negotiation. At the occurrence of an Insured event, where the Insured has commenced his/her business more than twelve (12) months and the total revenue of the first twelve (12) months exceeds the annual operating revenue as agreed, the Company shall bear the proportional indemnity according to the ratio of the total annual revenue as agreed then for the occurrence of an insured event to the actual total operating revenue of the first twelve (12) months.  
Article 22  When the indemnity amount paid by the Insured for one event in accordance with the law exceeds the limit of indemnity for each event as stipulated in the Policy, the Company shall indemnify the proportional litigation expenses according to the limit of indemnity for each event and the indemnity amount shall be paid by the insured, but shall not exceed the limit of indemnity of the litigation expense for each event.
Article 23  At receipt of the indemnification from the Company, the Insured may apply with the Company and pro rata pay after the event the premium of the part that has be indemnified, and may reinstate the accumulative limit of indemnity and the accumulative litigation expenses of the same year with the limit of indemnity. However, such reinstating shall be no more than two times.

Miscellaneous
Article 24  Any dispute arising from the performance of the Policy shall be settled through negotiation by and between involved parties. Should no negotiation be reached, the case in dispute shall be submitted to the arbitration institution specified in the Policy Schedule. Where no arbitration institution is specified in the Policy Schedule or no arbitration agreement is reached after disputes, either party may bring a lawsuit to relevant People’s Court with jurisdiction.
Article 25  Definition:
[Insurance agent] refers to an organization that professionally engages in the transaction of insurance business on the behalf within the scope of authority of an insurance company. Such agent shall have the qualifications as stipulated by China Insurance Regulatory Commission, and shall acquire the certificate for running insurance agency business therefrom. In addition, it shall collect the insurance agency charge from an insurance company according to the authority of the insurance company. 
[Insurance broker] refers to an organization engaging in insurance brokerage business in conformity of the qualifications as stipulated by China Insurance Regulatory Commission, and shall acquire the certificate for running insurance brokerage business therefrom.
[Insurance agency] refers to the action of an insurance agent for transaction of insurance business on the behalf within the scope of authority of an insurance company, in which the insurance agent shall collect the insurance agency charge from the insurance company according to the authority of the insurance company.
[Insurance broking] includes direct insurance broking and reinsurance broking.
Direct insurance broking refers to the action that an insurance broker and an insurance applicant enter into a broking contract to supply agency service for concluding an insurance contract between the insurance applicant and the insurance company based on the rights and interests of the insurance applicant or the insured.
Reinsurance broking refers to the action that an insurance broker and the original insurance company enter into a broking contract to supply agency service for the original insurance company and the reinsurance company to arrange reinsurance business based on the interests of the original insurance company.
[Client] refers to an insurance company which entrusts the insured to transact insurance business on the behalf if the insured under the policy is an insurance agent; while it refers to an insurance applicant or the original insurance company who concludes a contract with the insured if the insured under the policy is an insurance broker.  
[Intentional] refers to a mental state of one who knows his/her action will lead to an insured event but still hopes and allows the appearance of such result.
[Retroactive period] refers to a period agreed and specified by the insurance applicant and the company in the policy schedule to determine the time range concerning the occurrence of the negligent action since the company has accepted the insurance. 

Ping An Liability Insurance Clause on the Inspection & Test of Special Equipment (2005)
平安特種設備檢驗檢測責任保險條款（2005）

General Provisions
Article 1  Any special equipment inspection & test organization established in accordance with law, which has been authorized by the special equipment safety regulatory authority of the State and has obtained the relevant qualification certificates, may become the Insured of this Insurance.
Insuring Agreement
Article 2  From the retroactive period as specified in the Policy Schedule to the expiry date of the insurance period, in the event that the Insured engages in the special equipment inspection and test business, and his/her negligent action causes the inspection and test results and the authentication conclusions are seriously inconsistent with the facts, accidents happen to the special equipment during the insurance period, and the user of special equipment or a third party suffers property losses or personal injury, and where the victims claims indemnification from the Insured for the first time during the insurance period, the Company shall, upon the economic compensation liability borne by the Insured in accordance with the law, be liable for indemnification as agreed in the Policy.
(3) Article 3  After the occurrence of an insured event, as for the litigation, arbitration, attorney or authentication expenses paid by the Insured with the written consent of the Company concerning this insured event, the Company shall be liable for indemnification as agreed in the Policy.
Article 4  After the occurrence of an insured event, as for the necessary or reasonable expenses paid by the Insured for mitigating the loss of the user of special equipments or the property losses or personal injury of a third party.
Exclusions
Article 5 The Company shall not bear the liability for indemnification for the losses, expenses and liabilities caused by any of the following reasons:
(1) The intentional or malicious acts of the Insured or his/her representative and employee;
(2) Wars, military acts, armed conflicts, terrorist activities, strikes, riots, civil commotion, theft or rob;
(3) Nuclear reaction, nuclear radiation, nuclear pollution, or other radioactive pollution;
(4) Pollution of gas, land, water and others;
(5) Such natural disasters as fire, explosion, earthquake, storm wind, rainstorm, flood and typhoon, etc.; 
(6) Administrative acts and judicial acts.
Article 6  The Company shall bear no obligation for the losses, expenses and liabilities under any of the following circumstances:
(1) The Insured handles business beyond the registered business scope;
(2) The Insured transfers or entrusts his/her inspection and test tasks to other organization or individual; 
(3) The Insured continues running business after his/her business license is revoked or during the period that he/she is ordered to suspend business; 
(4) The special equipment inspector and tester of the Insured privately accept commission or work in other special equipment inspection & test organization;
(5) The person without a Certificate for Special Equipment Inspection & Test Personnel or relevant qualifications engaging in the special equipment inspection and test business;
(6) Other people handling business in the name of the special equipment inspection and test personnel of the Insured;
(7) Engaging in the special equipment inspection and test business beyond the business areas as specified in the list of the Policy Schedule.
Article 7  The Company shall not be liable for indemnifying for any loss,  expense and liability arising from any of the following items:
(1) The property losses or personal injury of the Insured or his/her employee;
(5) Penalty, fine and punitive indemnity;
(3) Any indemnification of indirect loss or spiritual damage;
(4) Deductibles that shall be borne by the Insured as stipulated in the list of Policy Schedule or otherwise agreed;
(5) The duties agreed at the time when the Insured and the user of special equipment enter into a contract. Even thought no such contract exists, the liability undertaken by the Insured in accordance with the law shall not be limited by this Paragraph;
Article 8 The Company shall bear no obligation for indemnification for other losses, expenses and liabilities beyond the scope of the insurance liabilities.
Limit of Indemnity
Article 9  The total indemnity amount made by the Company for each accident in accordance with the provisions of the third, fourth and fifth paragraphs of this Clause shall not exceed the limit of indemnity as specified therewith in the list of the Policy Schedule; and the highest indemnity amount borne by the Company shall not exceed the accumulative limit of indemnity as specified in the list of the Policy Schedule.
Duties of Insurance Applicant and the Insured
Article 10  The Insurance Applicant shall perform his/her obligation of making an honest representation, together with supplying the roll of all special equipment inspection and test personnel, answer the questions on special equipment inspection and test business and relevant condition put forward by the Company, and fill out the Application based on truth. 
Article 11  Where the Insurance Applicant intentionally conceals facts and fails to perform his/her obligation of making an honest representation, the Company shall have the right to raise defense or terminate this Policy as of the date of the written notice.
Article 11  Unless otherwise agreed, the Insurance Applicant shall pay off the premium on lump sum basis at the conclusion of the Policy. In the event that the Insurance Applicant fails to pay the premium duly in accordance with the agreement, the Company may rescind this Contract within thirty (30) days after the agreed period.
Article 12  The Insured shall strictly abide by Supervisory Regulations Regarding Special Equipment, Management Regulations on Special Equipment Test Organization and other relevant special laws, regulations and provisions of the State, governments and other relevant authorities, strengthening management and adopting reasonable preventive measures to prevent or reduce the occurrence of insured events to the best of his/her abilities. Where the Insured fails to perform his/her duties upon the safety of the subject matter of insurance in accordance with the aforesaid provisions, the Company shall have the right to increase premium or to terminate this Policy.
Article 13  The Company shall have the right to conduct risk evaluation upon the operating risk of the Insured. The Insured shall seriously implement the reasonable suggestions put forward by the Company and accepted by the insured. Where the Insured refuses to accept the reasonable suggestions of the Company, the Company shall have the right to increase premium or to terminate the Policy.
Claims Procedure
Article 14  At receipt of the claims from a special equipment user or a third party, or being aware of the information that may cause claims, the Insured shall notify the Company in good time as well as submit the relevant documents and materials according to the requirements of the Company.
Article 15  When the Insured claims against the Company for indemnification, the following documents or materials shall be submitted to the Company:
(1) Original Insurance Policy;
(2) The Qualification Certificate and Employment Contract of the special equipment inspection and test personnel employed by the Insured receiving the claim;
(3) The copy of the inspection & test organization's Approval Certificate and other relevant documents hold by the Insured;  
(4) The original Inspection and Test Report submitted by the Insured;
(5) Application for Indemnification of the Insured;
(6) Other dada supplied according to the requirements of the Company.
Article 16  The indemnity amount arising from each insured event shall be firstly determined through negotiation by and between the Insured and the Company; should no settlement be reached through negotiation, the indemnity amount shall be limited to the amount that the Insured shall pay as judged by the court or as arbitrated by the arbitration institution, but the amount shall not exceed the limit of indemnity for each event as specified in this Policy Schedule under any circumstances.
Article 17  At the occurrence of any indemnification under this Policy, the Insured or his/her representative shall, without the written consent of the Company, not give any promise, offer, payment, agreement or indemnification to any party claiming for indemnification. If necessary, the Company shall have the right to take over the settlement for any defense or indemnification of the litigation in the name of the Insured.
Article 18  Upon the occurrence of an insured event, in the event that an overlapping insurance exists, the Company shall only bear the obligation pro rata indemnity.
Article 19  Where the annual operating revenue supplied by the Insured is less than the total operating revenue of twelve (12) months prior to the insuring, the company shall, upon the occurrence of an insured event, bear the proportional indemnity; in the event the Insured has commenced his/her business no more than twelve (12) months when insuring, the annual operating revenue shall be agreed by both parties through negotiation. At the occurrence of an insured event, where the Insured has commenced his/her business more than twelve (12) months and the total revenue of the first twelve(12) months exceeds the annual operating revenue as agreed, the Company shall bear the proportional indemnity according to the ratio of total annual revenue as agreed then for the occurrence of an insured event to the actual total operating revenue of the first twelve (12) months.  
Article 20  At receipt of the indemnification from the Company, the Insured may apply for with the Company and pro rata pay after the event the premium of the part that has be indemnified, and may reinstate the accumulative limit of indemnity. However, such reinstating shall be no more than two times.
Miscellaneous
Article 21  Any dispute arising from the performance of the Policy shall be settled through negotiation by and between involved parties. Should no negotiation be reached, the case in dispute shall be submitted to the arbitration institution specified in the Policy Schedule. Where no arbitration institution is specified in the Policy Schedule or no arbitration agreement is reached after disputes, either party may bring a lawsuit to relevant people’s court with jurisdiction.
Article 22  Definition:
[Special equipment] refers to such high-risk equipments as boiler, pressure vessel (including air cylinder), pressure pipeline, elevator, lifting machinery, passenger ropeway and large recreation facility pertaining to life safety. The specific definition shall be governed by the provisions of Article 88 under Regulations on Safety Supervision for Special Equipment of the People’s Republic of China.
[Special equipment inspection and test personnel] refers to the personnel engaging in special equipment inspection and test business as authorized by the special equipment safety regulatory authority of the State and obtaining the relevant qualification certificates.
[Special equipment inspection and test business] refers to the following items:
(1) Supervision and inspection over the manufacturing process of boiler, pressure vessel, pressure pipe unit, lifting machinery and large recreation facility;
(2) Supervision, inspection and acceptance over special equipment that are equipped at site and given considerable maintenance and renovation;
(3) Regular inspection over special equipments in use;
(4) Inspection over special equipments and relevant products.
[Retroactive period] refers to a period agreed and specified by an insurance applicant and the Company in the Policy Schedule to determine the time range concerning the occurrence of the negligent action since the Company has accepted the Insurance. It shall commence after the first date of the retroactive period to the time prior to the commencement of the insurance period.
[Intentional] refers to a mental state of one who knows his/her action will lead to an insured event but still hopes and allows the appearance of such result.
Other technical terms other than the above definition shall be interpreted in accordance with relevant laws, regulations.

Ping An Rider on The Liability of Inspection Process (2005)
平安附加檢驗過程責任保險條款（2005）

Article 1  This Insurance is the Rider of Ping An Liability Insurance Clause on the Inspection & Test of Special Equipment (hereinafter referred to as “the Master Policy”). It may not be separately applied for. The Insurance Applicant shall insure the Rider on the basis of insuring the Master Policy.
Where there is any discrepancy between the Rider and the Master Policy, the articles of the Rider shall prevail. Those matters not referred to in this Rider, the provisions of the Master Policy shall be applied.
Article 2  In the insurance period of the Rider, in the event that the Insured engages in special equipment inspection and test business within the scope of business areas as specified in the list of the Policy Schedule, and the accident arising from his/her improper inspection method causes the loss of such equipment or a third party suffers personal injury or death, and where the victims claims indemnification from the Insured for the first time during the insurance period, the Company shall, upon the economic compensation liability borne by the Insured in accordance with the law, be liable for the indemnification as agreed in the Policy
Article 3  The indemnity amount borne by the Company for each event as stipulated in this Rider shall not exceed RMB 1,000,000; and the accumulative indemnity amount borne by the Company as stipulated in the Rider shall not exceed RMB 10,000,000 in the insurance period.

Ping An Rider on The Liability Insurance of Radioactive Pollution (2005)
平安附加放射性污染責任保險條款（2005）

Article 1  This Insurance is the Rider of Ping An Liability Insurance Clause on the Inspection & Test of Special Equipment (hereinafter referred to as “the Master Policy”). It may not be separately applied for. The Insurance Applicant shall insure the rider on the basis of insuring the Master Policy.
Where there is any discrepancy between the rider and the Master Policy, the articles of the Rider shall prevail. For those matters not referred to in this Rider, the provisions of the Master Policy shall be applied.
Article 2  From the retroactive period as specified in the Policy Schedule to the expiry date of the insurance period, in the event that the Insured engages in special equipment inspection and test business within the scope of business areas as specified in the list of the Policy Schedule, and the accident arising from the application of apparatus with radioactive source in accordance with relevant provisions causes radioactive pollution and a third party thereby suffers personal injury or death, and where the victims claims indemnification from the Insured for the first time during the insurance period, the Company shall, upon the economic compensation liability borne by the Insured in accordance with the law, be liable for the indemnification as agreed in the Policy
Article 3  The indemnity amount borne by the Company for each event as stipulated in this Rider shall not exceed RMB 500,000; and the accumulative indemnity amount borne by the Company as stipulated in the Rider shall not exceed RMB 5,000,000 in the insurance period.

平安旅行社責任保險條款（2004）

總則
第一條  為了保障旅行社和旅行團員的合法權益，化解旅行社經營風險，特制定本條款。
第二條  凡在中華人民共和國境內依法設立并登記注冊、合法經營的旅行社均可成為本保險的被保險人。
保險責任
第三條  在本保險期間內，旅行團員按照預定的旅行行程、在被保險人安排的旅游過程中發(fā)生意外事故導致人身傷亡，對依法應當由被保險人承擔的經濟賠償責任，本公司根據本條款的規(guī)定在保險單約定的賠償限額內負責賠償。
第四條  在本保險期間內，旅行團員按照預定的旅行行程、在被保險人安排旅游過程中發(fā)生意外事故導致人身傷亡，旅行團員或其近親屬提出精神損害賠償的，對經人民法院依法判決的、被保險人應承擔的精神損害賠償責任，本公司根據本條款的規(guī)定在保險單約定的賠償限額內負責賠償。
第五條  在本保險期間內，旅行團員按照預定的旅行行程、在被保險人安排旅游過程中發(fā)生的下列財產損失、費用增加，依法應當由被保險人承擔的，本公司根據本條款的規(guī)定在約定的賠償限額內負責賠償：
（一）旅行團員的行李物品損壞、遭盜竊、搶劫；
（二）旅行團員被海關拒絕入境導致的經濟損失或必要、合理費用的增加；
（三）旅行團員的旅游證件（不包括機票、信用卡、現金、旅行支票、居民身份證）遺失，因補辦證件發(fā)生的必要、合理費用；
（四）旅行團員因交通工具的遲延導致的必要、合理費用的增加，但承運人已經賠償的部分除外；
（五）因交通意外事故或自然災害的發(fā)生導致旅游費用的必要、合理增加；
（六）旅行團員發(fā)生意外事故后，因需將隨行的未成年人或60歲以上的長者提前送返而額外增加的必要、合理費用。
第六條  發(fā)生本條款第三、四、五條列明的保險事故后，被保險人實際支付的事先經本公司書面同意的、必要、合理的訴訟費用，本公司根據本條款的規(guī)定在保險單約定的賠償限額內負責賠償。
第七條  發(fā)生本條款第三、四、五條列明的保險事故后，對被保險人為避免、減少損失所發(fā)生的必要、合理的費用，本公司根據本條款的規(guī)定在保險單約定的賠償限額內負責賠償。
責任免除
第八條  本公司對下列原因造成的損失、費用和責任不予賠償：
（一）被保險人或其代表、雇員的故意行為；
（二）戰(zhàn)爭、類似戰(zhàn)爭行為、敵對行為、軍事行動、武裝沖突、罷工、騷亂、暴動；
（三）政府行為，但不包括海關拒絕入境行為；
（四）核反應、核子輻射或放射性污染；
（五）地震、火山爆發(fā)、龍卷風；
（六）旅行團員自身健康原因或其故意、重大過失。
第九條  下列情形，本公司不負賠償責任：
（一）被保險人無相應的資質或被保險人委托無相應資質的單位、個人安排、組織旅行團員旅游；
（二）被保險人超越其經營范圍。
第十條  本公司對下列損失、費用及責任，不承擔賠償責任：
（一）被保險人及其雇員的任何損失，但已事先申報并按約定支付保險費的、由被保險人指派參與旅游行程的領隊或導游，不受此限；
（二）接受被保險人委托的單位或個人的任何損失；
（三）被保險人與他人簽訂的協(xié)議所約定的責任；但即使沒有這種協(xié)議依法應由被保險人承擔的責任,不受此限；
（四）任何間接損失；
（五）任何罰款、罰金或懲罰性賠款；
（六）除非另有約定，在預定的旅行行程以外時間、地點發(fā)生的任何損失；
（七）除非另有約定，未載入旅行團員名冊的任何人的任何損失；
（八）旅行團員在參加賽車、賽馬、攀崖、無動力滑翔、探險性漂流、潛水、高山滑雪、滑板、跳傘、熱氣球、蹦極、沖浪等高風險活動發(fā)生的任何人身傷害、精神賠償、財產損失。
第十一條  本公司對下列財產的損失不予賠償：
移動通訊工具、筆記本電腦、攝像機、照相機、手表、金銀、首飾、珠寶、文物、字畫、數據、現金、信用卡、票據、單證、有價證券、文件、賬冊、技術資料的損失。
但筆記本電腦、攝像機、照相機、移動通訊工具因意外事件遭受的損壞以及在被保險人直接保管下因盜竊、搶劫而遭受的損失不受此限。
第十二條  其他不屬于本保險責任范圍的損失、費用和責任，本公司不予賠償。
賠償限額
第十三條  本公司對每人承擔的本條款第三、四、五、六、七條的經濟賠償責任不超過保險單約定的每人賠償限額；對每人承擔的本條款第五、七條的賠償金額不超過保險單約定的每人財產賠償限額。
本公司對每人承擔的醫(yī)療費用金額不超過保險單約定的每人醫(yī)療費用賠償限額。
本公司對每次事故承擔的最高賠償金額不超過保險單約定的每次事故賠償限額。
保險期間
第十四條  除非另有約定，本保險的保險期間為一年。凡旅行行程的起期在本保險期間內的，本保險責任自動延展至該旅行行程結束之日。
賠償處理
第十五條  被保險人向本公司申請賠償時，應提交：
（一）出險通知書；
（二）旅游合同及旅行團員名冊；
（三）被保險人與旅行團員或其法定繼承人所簽訂的賠償協(xié)議書或和解書；
（四）保險單正本；
（五）事故證明書；
（六）因盜竊、搶劫發(fā)生財產損失的，須提供公安機關刑事立案證明、財產來源證明；
（七）在被保險人保管期間發(fā)生的財產損失，須提供相應的保管憑證；
（八）損失、費用清單；
（九）經裁判或仲裁的，應提供裁判文書或仲裁裁決文書；
（十）其他可以證明事故原因、損失情況的必要材料。
第十六條  發(fā)生財產損失的，應當盡量修復。修理前被保險人須會同保險人檢驗，確定修理項目、方式和費用。否則，保險人有權重新核定或拒絕賠償。
第十七條  因第三方全部或部分責任導致旅行團員人身傷害或財產損失的，本公司按以下約定負責賠償本保險條款第三、四、五條項下所規(guī)定的賠償款項：
（一）第三方未賠償其依法應付的賠償金，本公司按本保險單約定計算賠償金額。
（二）第三方已賠償其依法應付的賠償金的：
1．第三方承擔的本保險責任范圍內的賠償金低于按本條款的規(guī)定計算的賠償金，本公司負責賠償按照本條款的規(guī)定計算的賠償金與第三方已付的本保險責任范圍內的賠償金的差額部分；
2．第三方承擔的本保險責任范圍內的賠償金高于按本保險約定計算的賠償金，本公司不負責賠償。
第十八條  發(fā)生保險責任事故后，未經本公司書面同意，被保險人或其代表不得對索賠方做出任何承諾、拒絕、出價、約定、付款或賠償。在必要時，本公司有權以被保險人的名義對訴訟進行抗辯或處理有關索賠事宜。
第十九條  必要時，本公司有權以被保險人的名義，為本公司的利益自負費用向有關責任方提出索賠要求。未經本公司書面同意，被保險人不得自行接受有關責任方就有關損失做出付款或賠償安排或放棄向有關責任方索賠的權利。否則，由此引起的后果將由被保險人承擔。
第二十條  發(fā)生本保險責任范圍內的損失，應由有關責任方負責賠償的，被保險人應采取一切必要的措施向有關責任方索賠。本公司自向被保險人賠付之日起，取得在賠償金額范圍內代位行使被保險人對有關責任方請求賠償的權利。在本公司向有關責任方行使代位請求賠償權利時，被保險人應當積極協(xié)助，并提供必要的文件和所知道的有關情況。
第二十一條  本公司在收到被保險人的賠償請求后，應及時做出核定，對屬于保險責任的，在與被保險人達成有關賠償協(xié)議后10日內，履行賠償義務。
第二十二條  如被保險人有重復保險的情況，本公司僅負按比例賠償的責任。
第二十三條  保險人受理報案、進行現場查勘、核損定價、參與案件訴訟、向被保險人提供建議等行為，均不構成保險人對賠償責任的承諾。
投保人及被保險人義務
第二十四條  投保人應履行如實告知義務，對投保申請書中所列明的事項以及本公司提出的其他事項做出真實、詳盡的說明或描述。投保人故意隱瞞事實，不履行如實告知義務的，本公司有權拒絕賠償或自書面通知起解除保險合同。
第二十五條  投保人應按約定如期繳付保險費。投保人未按約定繳付保險費的，本公司不承擔賠償責任，并可在約定期限后的十五天內解除本合同。
第二十六條  被保險人在組織、安排旅游行程開始前，應將旅行團員名冊以數據電文、書面方式提交本公司；旅行團員名冊需要變更的，被保險人應及時通知本公司，旅行團員名冊的變更經本公司以數據電文、書面方式同意后生效。被保險人未履行本通知義務，因保險標的危險程度增加而發(fā)生的保險事故，本公司不承擔賠償責任。
第二十七條  被保險人在組織、安排旅游行程開始前，應將預定的旅行行程以數據電文、書面方式通知本公司；預定的旅行行程需要變更的，被保險人應及時通知本公司，預定的旅行行程的變更經本公司以數據電文、書面方式同意后生效。被保險人未履行本通知義務，因保險標的危險程度增加而發(fā)生的保險事故，本公司不承擔賠償責任。
第二十八條  在保險期間內，保險重要事項變更或保險標的危險程度增加的，投保人應及時書面通知本公司。被保險人未履行本通知義務，因保險標的危險程度增加而發(fā)生的保險事故，本公司不承擔賠償責任。
第二十九條  被保險人應遵守國家有關的法律法規(guī)，不得超范圍經營。對被保險人超范圍經營而發(fā)生的保險事故，本公司不承擔賠償責任。
第三十條  被保險人就旅游安全情況應事先對旅行團員給予充分提醒、勸戒、警告，并對有可能發(fā)生的旅游意外事故采取有效的預防措施。被保險人未盡安全管理義務，本公司有權要求增加保險費或者解除本保險合同。
第三十一條  發(fā)生本保險責任范圍的事故時，被保險人或其代表人應：
（一）立即通知本公司，并在七天或經本公司書面同意延長的期限內以書面說明事故發(fā)生的原因、經過和損失程度；對未及時通知導致本公司無法對事故原因、經過、損失程度進行合理查勘的，本公司有權拒絕賠償。
（二）盡力采取一切必要措施防止損失的進一步擴大并將損失減少到最低程度；否則，對因此擴大的損失，本公司不負責賠償。
（三）發(fā)生涉及治安案件的事故，及時向相關保安部門及當地公安機關報案。否則，對因未及時報案而擴大的賠償責任，本公司不負責賠償。
第三十二條  被保險人獲悉可能引起訴訟時，應立即以書面形式通知本公司，當接到法院傳票或其他法律文書后，應及時送交本公司。否則，對因此擴大的賠償責任，本公司不負責賠償。
爭議處理
第三十三條  有關本保險合同的爭議應協(xié)商解決。如不能協(xié)商解決的，可以選擇以下兩種方式之一來解決：
（一）提交______________仲裁委員會仲裁；
（二）向有管轄權的人民法院起訴。
第三十四條  因本保險合同產生的爭議適用中華人民共和國法律。

釋義：
〖旅行團員〗是指：
一、與被保險人簽訂旅游服務合同、接受被保險人提供的旅游服務的權利人；
二、與其他旅行社簽訂旅游服務合同、因被保險人接受該旅行社的委托、接受被保險人提供的旅游服務的權利人；
三、事先經本公司同意的導游、領隊。

平安特殊旅游項目責任附加險條款（2004）

第一條  本保險為平安旅行社責任保險條款（2004版）（以下簡稱：主險）的附加險，不能單獨投保，投保人只有在投保主險的基礎上方可投保本附加險。
本附加險條款與主險條款不一致的，以本附加險條款為準；本附加險條款未規(guī)定的，適用主險條款的規(guī)定。
第二條  在本附加險保險期間內，旅行團員按照預定的旅行行程、在參加被保險人安排的賽車、賽馬、攀崖、無動力滑翔、探險性漂流、潛水、高山滑雪、滑板、跳傘、熱氣球、蹦極、沖浪等具有高風險的旅游活動過程中發(fā)生意外事故所致的人身傷亡：
（一）對依法應由被保險人承擔的經濟賠償責任，本公司根據本附加險條款的規(guī)定在約定賠償限額內負責賠償。
（二）旅行團員或其近親屬提出精神損害賠償的，對經人民法院依法判決的、被保險人應承擔的精神損害賠償責任，本公司根據本附加險條款的規(guī)定在保險單約定的賠償限額內負責賠償。
第三條  本附加險不另設賠償限額，投保本附加險并不導致賠償限額的增加。
第四條  旅行團員所參加的高風險活動的經營者無相應的經營資格的，本公司不負賠償責任。
第五條  發(fā)生本附加險第二條所規(guī)定的保險事故，本公司不負責賠償任何財產損失。
第六條  被保險人在安排旅行團員參加本附加險條款第二條所稱各項高風險活動前應向旅行團員說明該活動的危險性以及所應采取的預防措施；并在活動過程中采取各類安全防范措施，以避免意外事故發(fā)生。
 
 

平安保險中介機構職業(yè)責任保險條款（2005）

總則
第一條  為了促進保險中介行業(yè)的健康發(fā)展，保障委托人的合法利益,增強保險代理、經紀機構的風險抵御能力，特開辦本保險。
第二條  凡在中國境內（香港、澳門、中國臺灣除外）依法設立的保險代理、經紀機構均可向本公司投保本保險，成為本保險的被保險人。

保險責任
第三條  自保險單列明的追溯期起始日開始，至保險期間終止日的期間內，被保險人在從事保險單約定的保險代理或保險經紀過程中，因過失未盡其業(yè)務上應盡之責任及義務，造成委托人的經濟損失，并且委托人在保險期間內依據中國法律（不包括香港、澳門、中國臺灣的法律）首次向被保險人提出索賠，對依法應由被保險人承擔的經濟賠償責任，本公司根據本合同的規(guī)定，在約定的賠償限額內負責賠償。
第四條  發(fā)生保險事故后，被保險人所支付的事先經本公司書面同意的有關仲裁或訴訟費用，本公司在本合同約定的訴訟費用賠償限額內負責賠償。
第五條  發(fā)生保險事故后，被保險人為避免、減輕對委托人的損害，防止損失擴大所支付的必要、合理的費用，本公司根據本條款的規(guī)定在約定的賠償限額內負責賠償。

責任免除
第六條  因下列原因造成的任何損失和費用，本公司不負責賠償：
（一）被保險人及其代表的欺詐、惡意串通或其他故意行為；
（二）被保險人從事的保險中介業(yè)務超出中國保險監(jiān)督管理委員會核定的以及營業(yè)執(zhí)照規(guī)定的經營范圍和經營區(qū)域；
（三）被保險人超越委托人的授權范圍所辦理的業(yè)務；
（四）無有效《保險代理從業(yè)人員資格證書》、《保險經紀從業(yè)人員資格證書》及相應執(zhí)業(yè)證書的人員所經辦的保險中介業(yè)務；
（五）被保險人的保險中介從業(yè)人員未經被保險人同意私自承辦的業(yè)務或在其他保險中介機構執(zhí)業(yè)承辦的業(yè)務；
（六）挪用、侵占保險費或保險金、賠款；
（七）被保險人泄漏委托人的商業(yè)秘密或對其進行誹謗；
（八）地震、海嘯、雷電、洪水、暴雨、臺風、龍卷風、地面下沉下陷等自然災害或火災、爆炸等意外事故；
（九）戰(zhàn)爭、軍事行動、恐怖活動、罷工、暴亂、盜竊、搶劫；
（十）行政行為或司法行為。
第七條  對下列各項損失和費用，本公司也不負責賠償：
（一）投保人在投保前已經知道或可以合理預見的索賠情況；
（二）被保險人在《經營保險代理業(yè)務許可證》或《經營保險經紀業(yè)務許可證》或營業(yè)執(zhí)照被注銷、撤回、吊銷期間所造成的任何損失；
（三）被保險人與委托人未訂立書面委托合同的情況下發(fā)生的索賠；
（四）被保險人與委托人簽訂的協(xié)議中所約定的責任，但即使沒有該協(xié)議，被保險人也應依法承擔的責任不在此限；
（五）被保險人對委托人或第三者的身體傷害及有形財產的毀損或滅失；
（六）委托人非依據中國法律（不包括香港、澳門、中國臺灣的法律）向被保險人提出的索賠；
（七）任何精神損害賠償。
第八條  本合同規(guī)定的應由被保險人自行負擔的免賠額，本公司不負責賠償。
第九條  其他不屬于本條款第三至五條規(guī)定的保險責任范圍內的損失、費用和責任，本公司不負責賠償。

賠償限額
第十條  本公司對每次事故承擔的本條款第三、四、五條規(guī)定的賠償金額合計不得超過本保險單明細表中列明的每次事故賠償限額；對每次事故承擔的本條款第四條規(guī)定的訴訟費用賠償金額不得超過本保險單明細表中列明的每次事故訴訟費用賠償限額。
在本合同保險期間內，本公司承擔的本條款第三、四、五條規(guī)定的總賠償金額不超過本保險單明細表中列明的累計賠償限額，本條款第四條規(guī)定的訴訟費用賠償金額不得超過本保險單明細表中列明的訴訟費用累計賠償限額。

投保人和被保險人義務
第十一條  投保時，投保人應向本公司如實填寫投保申請書。投保人故意隱瞞事實，不履行如實告知義務的，本公司有權拒絕賠償或自書面通知起解除保險合同。
第十二條  投保人應在投保時將其正式聘用的保險中介從業(yè)人員名單及聘用證明提交本公司。否則，本公司有權解除合同。
第十三條  在保險期間內，被保險人的保險中介從業(yè)人員發(fā)生變動，被保險人應在三個月之內將人員變動的名單提供給本公司。從業(yè)人員的執(zhí)業(yè)資格由國家法定部門認定。被保險人未履行本通知義務，因保險標的危險程度增加而發(fā)生的保險事故，本公司不承擔賠償責任。
第十四條  投保人應當按保險合同約定交付保險費。投保人未按約定繳付保險費的，本公司不承擔賠償責任，并可在約定期限后的十五天內解除本合同。
第十五條  被保險人應當遵守國家有關規(guī)定，盡職盡責地維護委托人的合法權益。否則，本公司有權要求增加保險費或者解除本保險合同。
第十六條  本公司有權對被保險人的經營風險狀況進行風險評估，對本公司提出的經被保險人同意接受的合理建議，被保險人應認真付諸實施。否則，本公司有權要求增加保險費或者解除本保險合同。

賠償處理
第十七條  被保險人在接到委托人的索賠請求或知道可能引起索賠的信息時，應及時通知本公司，并按本公司的要求提供索賠文件或材料。
第十八條  被保險人向本公司提出賠償請求時，應向本公司提供下列文件或材料：
（一）保險單正本；
（二）引起索賠的從業(yè)人員的資格證書、執(zhí)業(yè)證書及勞動合同；
（三）《經營保險代理業(yè)務許可證》或《經營保險經紀業(yè)務許可證》以及營業(yè)執(zhí)照副本；
（四）被保險人與委托人簽訂的與索賠有關的委托合同；
（五）被保險人的賠償請求申請書；
（六）可以確認保險事故的性質、原因、損失程度等的其它有關單證。
第十九條  發(fā)生任何本合同項下的索賠時，未經本公司書面同意，被保險人或其代表對索賠方不得做出任何承諾、出價、付款、約定或賠償。在必要時，本公司有權以被保險人的名義接辦對任何訴訟的抗辯或索賠的處理。
第二十條  發(fā)生保險事故時，如存在重復保險的情況，本公司僅負按比例分攤賠償的責任。
第二十一條  如被保險人提供的年業(yè)務收入低于其投保前12個月業(yè)務收入總額的，當發(fā)生保險事故時，本公司將按比例賠償；如被保險人在投保時其成立時間不足12個月，年業(yè)務收入總額由雙方協(xié)商約定，當發(fā)生保險事故時，如被保險人開業(yè)已達12個月且頭12個月業(yè)務收入總額已超過約定的年業(yè)務收入總額，本公司將按發(fā)生保險事故當時的約定年業(yè)務收入總額與實際已發(fā)生的頭12個月業(yè)務收入總額進行比例賠償。
第二十二條  當被保險人依法應負的一次事故的賠償數額超過保險合同規(guī)定的每次事故賠償限額時，本公司按每次事故賠償限額與被保險人應負的賠償數額的比例賠付訴訟費用，但最高不超過每次事故訴訟費用賠償限額。
第二十三條  被保險人得到本公司賠償后，可向本公司提出申請，并按比例補交已賠償部分的保險費，可以將當年累計賠償限額及累計訴訟費用賠償限額恢復。但恢復次數最多不超過2次。

其它事項
第二十四條  因履行本保險合同發(fā)生的爭議，由當事人協(xié)商解決。協(xié)商不成的，提交保險單載明的仲裁委員會仲裁；保險單未載明仲裁機構或者爭議發(fā)生后未達成仲裁協(xié)議的，可向有管轄權的人民法院起訴。
第二十五條  定義：
【保險代理機構】是指符合中國保監(jiān)會規(guī)定的資格條件，經中國保監(jiān)會批準取得經營保險代理業(yè)務許可證，根據保險公司的委托，向保險公司收取保險代理手續(xù)費，在保險公司授權的范圍內專門代為辦理保險業(yè)務的單位。
【保險經紀機構】是指符合中國保監(jiān)會規(guī)定的資格條件，經中國保監(jiān)會批準取得經營保險經紀業(yè)務許可證，經營保險經紀業(yè)務的單位。
【保險代理】是指保險代理機構根據保險公司的委托，向保險公司收取保險代理手續(xù)費，在保險公司授權的范圍內專門代為辦理保險業(yè)務的行為。
【保險經紀】保險經紀包括直接保險經紀和再保險經紀。
直接保險經紀是指保險經紀機構與投保人簽訂委托合同，基于投保人或者被保險人的利益，為投保人與保險公司訂立保險合同提供中介服務，并按約定收取傭金的行為。
再保險經紀是指保險經紀機構與原保險公司簽訂委托合同，基于原保險公司的利益，為原保險公司與再保險公司安排再保險業(yè)務提供中介服務，并按約定收取傭金的行為。
【委托人】本合同的被保險人為保險代理機構時，委托人指委托被保險人專門代為辦理保險業(yè)務的保險公司；本合同的被保險人為保險經紀機構時，委托人指與被保險人簽訂委托合同的投保人或原保險公司。
【故意】明知自己的行為會導致保險事故的發(fā)生，而希望和放任這種結果出現的一種心理狀態(tài)。
【追溯期】是指為確定本公司承保的過失行為發(fā)生的時間范圍，由投保人與本公司約定并在保險單中列明的某個日期。

平安特種設備檢驗檢測責任保險條款（2005）

總則
第一條  凡經國家特種設備安全監(jiān)督管理部門核準，取得相應資質證書，依法成立的特種設備檢驗檢測機構，均可作為本保險的被保險人。
保險責任
第二條  自保險單列明的追溯期起始日開始，至保險期間終止日的期間內，被保險人在保險單明細表中列明的經營區(qū)域范圍內從事特種設備檢驗檢測業(yè)務中，因過失行為導致檢驗檢測結果、鑒定結論嚴重失實，致使特種設備在保險期間內發(fā)生意外事故，造成特種設備使用單位或其他第三者的財產損失或人身傷亡，且受害人在保險期間內首次向被保險人提出索賠的，對依法應由被保險人承擔的經濟賠償責任，本公司根據保險合同的約定負賠償責任。
第三條  發(fā)生保險事故后，被保險人支付的經本公司事先書面同意的涉及該保險事故的訴訟費、仲裁費、律師費或鑒定費，本公司根據保險合同的約定負賠償責任。
第四條  發(fā)生保險事故后，被保險人為減少特種設備使用單位或其他第三者財產損失或人身傷亡所支付的必要的合理的費用，本公司根據保險合同的約定負責賠償。
責任免除
第五條  下列原因造成的損失，費用和責任，本公司不負責賠償：
（一）被保險人或其代表及雇員的故意或惡意行為；
（二）戰(zhàn)爭、軍事行動、武裝沖突、恐怖活動、罷工、暴動、民眾騷亂、盜竊、搶劫；
（三）核反應、核幅射、核污染及其他放射性污染；
（四）大氣、土地和水污染及其他污染；
（五）火災、爆炸、地震、暴風、暴雨、洪水、臺風等自然災害；
（六）行政行為或司法行為。
第六條  下列情形下，發(fā)生的損失、費用、責任，本公司也不負責賠償：
（一）被保險人超越核定業(yè)務范圍辦理的業(yè)務；
（二）被保險人將檢驗檢測任務轉讓、委托給其他單位或個人完成的；
（三）被保險人被吊銷營業(yè)許可證后或被責令停業(yè)整頓期間繼續(xù)辦理的業(yè)務；
（四）被保險人的特種設備檢驗檢測人員私自接受委托或者在其他特種設備檢驗檢測機構執(zhí)業(yè)；
（五）無有效的《特種設備檢驗檢測人員證書》或不具備相應資格等級的人員從事特種設備檢驗檢測業(yè)務；
（六）他人冒用被保險人的特種設備檢驗檢測人員的名義辦理業(yè)務；
（七）在保險單明細表中列明的經營區(qū)域外，從事特種設備檢驗檢測業(yè)務。
第七條  下列損失、費用和責任，本公司不負責賠償：
（一）被保險人或其雇員的財產損失或人身傷亡；
（二）罰款、罰金及懲罰性賠償；
（三）任何間接損失、精神損害賠償；
（四）保險單明細表或其他約定中規(guī)定的應由被保險人自行負擔的免賠額；
（五）被保險人與特種設備使用單位簽訂合同時所約定的責任，但即使沒有這樣的合同，依法仍應由被保險人承擔的不在此列；
第八條  其他不屬于保險責任范圍內的損失、費用和責任，本公司不負責賠償。
賠償限額
第九條  本公司對每次事故承擔的本條款第二、三、四條規(guī)定的賠償金額之和不超過保險單明細表中列明的每次事故賠償限額;在本合同保險期間內，本公司承擔的最高賠償金額不超過保險單明細表中列明的累計賠償限額。
投保人、被保險人義務
第十條  投保人應履行如實告知義務，提供全部在冊特種設備檢驗檢測人員名單，如實回答本公司對特種設備檢驗檢測業(yè)務及有關情況提出的詢問，并如實填寫投保單。投保人故意隱瞞事實，不履行如實告知義務的，本公司有權拒絕賠償或自書面通知起解除保險合同。
第十一條  除另有約定外，投保人應在保險合同成立時一次性支付保險費。投保人未按約定支付保險費的，本公司可在約定期限后的三十天內解除本合同。
第十二條  被保險人應嚴格遵守《特種設備監(jiān)察條例》、《特種設備檢測機構管理規(guī)定》以及國家及政府有關部門特定的其他相關法律、法規(guī)及規(guī)定，加強管理，采取合理的預防措施，盡力避免或減少責任事故的發(fā)生。被保險人未按以上規(guī)定履行其對保險標的安全應盡的責任的，本公司有權要求增加保險費或者解除本保險合同。
第十三條  本公司有權對被保險人的經營風險狀況進行風險評估，對本公司提出的經被保險人同意接受的合理建議,被保險人應認真付諸實施。被保險人拒不接受本公司的合理建議的，本公司有權要求增加保險費或者解除本保險合同。
賠償處理
第十四條  接到特種設備使用單位或其他第三者的索賠請求或知道可能引起索賠的信息時，應及時通知本公司，并按本公司的要求提供請求賠償文件或材料。
第十五條  被保險人向本公司提出賠償請求時，應向本公司提供下列文件或材料：
（一）保險單正本；
（二）引起索賠的被保險人所聘用的特種設備檢驗檢測人員資格證書及聘用合同；
（三）被保險人持有的檢驗檢測機構核準證副本及有關文件；
（四）被保險人出具的檢驗檢測報告正本；
（五）被保險人的賠償請求申請書；
（六）本公司要求提供的其他資料。
第十六條  對每次保險事故引起的賠償金額，首先由被保險人和本公司協(xié)商確定，協(xié)商達不成協(xié)議的，以法院判決或仲裁機關裁決的應由被保險人的償付的金額為限，但在任何情況下，均不得超過本保險單列明的每次事故賠償限額。
第十七條  發(fā)生任何本合同項下的索賠時，未經本公司書面同意，被保險人或其代表對索賠方不得做出任何承諾、出價、付款、約定或賠償。在必要時，本公司有權以被保險人的名義接辦對任何訴訟的抗辯或索賠的處理。
第十八條  發(fā)生保險事故時，如存在重復保險的情況，本公司僅負按比例分攤賠償的責任。
第十九條  如被保險人提供的年業(yè)務收入低于其投保前12個月業(yè)務收入總額的，當發(fā)生保險事故時，本公司將按比例賠償；如被保險人在投保時其成立時間不足12個月，年業(yè)務收入總額由雙方協(xié)商約定，當發(fā)生保險事故時，如被保險人開業(yè)已達12個月且頭12個月業(yè)務收入總額已超過約定的年業(yè)務收入總額，本公司將按發(fā)生保險事故當時的約定年業(yè)務收入總額與實際已發(fā)生的頭12個月業(yè)務收入總額進行比例賠付。
第二十條  被保險人得到本公司賠償后，可向本公司提出申請，并按比例補交已賠償部分的保險費，可以將當年累計賠償限額恢復，但恢復次數最多不超過2次。
其他事項
第二十一條  因履行本保險合同發(fā)生的爭議，由當事人協(xié)商解決。協(xié)商不成的，提交保險單載明的仲裁委員會仲裁；保險單未載明仲裁機構或者爭議發(fā)生后未達成仲裁協(xié)議的，可向有管轄權的人民法院起訴。
第二十二條  定義
【特種設備】是指涉及生命安全、危險性較大的鍋爐、壓力容器（含氣瓶）、壓力管道、電梯、起重機械、客運索道、大型游樂設施。具體含義以《中華人民共和國特種設備安全監(jiān)察條例》第八十八條的規(guī)定為準。
【特種設備檢驗檢測人員】是指經國家特種設備安全監(jiān)督管理部門組織考核合格，取得檢驗檢測人員證書，從事特種設備檢驗檢測業(yè)務的人員。
【特種設備檢驗檢測業(yè)務】是指下列各項:
（一）對鍋爐、壓力容器、壓力管道元件、起重機械、大型游樂設施的制造過程進行監(jiān)督檢驗；
（二）對現場安裝、重大維修和改造的特種設備進行監(jiān)督檢驗和驗收檢驗；
（三）對在用特種設備進行定期檢驗；
（四）對特種設備及相關產品進行試驗。
【追溯期】是指為確定本公司承保的過失行為發(fā)生的時間范圍，由投保人與本公司約定并在保險單中列明的自追溯期起始日之后，到保險期間開始之前的某個時間段。
【故意】明知自己的行為會導致保險事故的發(fā)生，而希望和放任這種結果出現的一種心理狀態(tài)。
除以上定義外，對其他專業(yè)術語的理解，以相關法律法規(guī)的解釋為準。

平安附加檢驗過程責任保險條款（2005）

第一條  本保險為特種設備檢驗檢測責任保險（以下簡稱：主險）的附加險，不能單獨投保。投保人只有在投保主險的基礎上方可投保附加險。
附加險條款與主險條款不一致的，以附加險條款為準；附加險未規(guī)定的，適用主險條款的規(guī)定。
第二條  在本附加險保險期間內，被保險人在保險單明細表中列明的經營區(qū)域范圍內從事特種設備檢驗檢測業(yè)務中，因檢驗方法不當發(fā)生意外事故造成該特種設備本身的損失或第三者人身傷亡，且受害人在保險期間內首次向被保險人提出索賠的，對依法應由被保險人承擔的經濟賠償責任，本公司根據保險合同的約定負賠償責任。
第三條  本公司對每次事故承擔的本附加險規(guī)定的賠償金額不超過人民幣100萬元；在保險期間內，本公司承擔的本附加險規(guī)定的賠償金額累計不超過人民幣1000萬元。

平安附加放射性污染責任保險條款（2005）

第一條  本保險為特種設備檢驗檢測責任保險（以下簡稱：主險）的附加險，不能單獨投保。投保人只有在投保主險的基礎上方可投保附加險。
附加險條款與主險條款不一致的，以附加險條款為準；附加險未規(guī)定的，適用主險條款的規(guī)定。
第二條  自保險單列明的追溯期起始日開始，至保險期間終止日的期間內，被保險人在保險單明細表中列明的經營區(qū)域范圍內從事特種設備檢驗檢測業(yè)務中，因按照相關規(guī)定使用含有放射源的儀器時發(fā)生意外事故造成放射性污染，導致第三者在保險期間內的人身傷亡，且受害人在保險期間內首次向被保險人提出索賠的，對依法應由被保險人承擔的經濟賠償責任，本公司根據保險合同的約定負賠償責任。
第三條  本公司對每次事故承擔的本附加險規(guī)定的賠償金額不超過人民幣50萬元；在保險期間內，本公司承擔的本附加險規(guī)定的賠償金額累計不超過人民幣500萬元。
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