人保(备案)[2009]N233号-营业中断保险附加险条款(2009版)
营业中断险投保单-2009
12.保险合同争议解决方式选择：
□提交仲裁委员会仲裁；□诉讼。
13.特别约定：
投保人声明:保险人已向本人提供并详细介绍了《中国人寿财产保险股份有限公司营业中断保险条款》及其附加险条款内容（若投保附加险），并对其中免除保险人责任的条款（包括但不限于责任免除、投保人被保险人义务、赔偿处理、其他事项等），以及本保险合同中付费约定和特别约定的内容向本人做了明确说明，本人已充分理解并接受上述内容，同意以此作为订立保险合同的依据，自愿投保本保险。
邮编：
组织机构代码
联系人
联系电话
被保险人
单位名称
通讯地址
邮编：
组织机构代码
联系人
联系电话
1.行业类别：行业代码：
保险标的地址个数共个
保险标的地址：邮编：
2.物质财产损失恢复周期资料：
建筑物如发生损失，一般需要多长时间恢复？
建筑物名称
建筑物用途
是否有应急方案
恢复周期
（如必要，可以另附表格。）
机器设备如发生损失，一般需要多长时间恢复？
以下为投保信息
7．物质财产损失保险资料：
险别：保单号：
8.投保基本资料：
保险金额
毛利润元￥
赔偿限额
审计费用元￥
最大赔偿期
免赔额/免赔期
请填写约定的维持费用资料项目名称、所属会计一、二级科目名称和其他必要说明：
（1）
（2）
（3）
（4）
（5）
（如必要，可另有附页）
9．附加险情况：
□附加通道堵塞保险：
保险金额：
以往三年是否投保营业中断保险？□是□否
保险期间
是否发生
保险事故
营业中断险附加险条款(英文)
PICC Property and Casualty Company Limited Additional Clauses for Business Interruption InsuranceThe following clauses are the Additional Clauses for Business Interruption Insurance Policy (2009 Version), which is hereinafter called Policy. The terms , conditions and exclusions of the Policy shall apply except to the extent that they are expressly varied by the Additional Clauses. Any one of the Additional Clause(s) could be chosen by the Applicant to be attached to and forming part of the Policy.1.Extension ClausesK01. Scope of Cover （A）K06. Denial of Access (A)K07. Denial of Access (B)K08. Murder, Infectious Disease, and Food Contamination Extension (A)K09. Murder, Infectious Disease, and Food Contamination Extension (B)K10. Murder, Infectious Disease, and Food Contamination Extension (C)K11. Infectious Disease ExtensionK12. Closure of Operation FacilityK13. Public Utilities Extension (A)K14. Public Utilities Extension （B）K15. Loss of Book DebtsK16. Suppliers Extension ( A)K20. Customers/Suppliers /ContractorsK21. Unnamed Suppliers/CustomersK22. Bomb Scare (only applied to PDBI)K23. Government action (Not exceeding __ consecutive weeks)K24. Public Authority ExtensionK33. Departmental extensionK34. Au ditor’s FeesK35. Accountant’s/Auditor’s FeesK36. Errors & Omissions （A）K37. Errors & Omissions （B）2.Restriction ClausesX01. War and Terrorism ExclusionX02. IT ClarificationX03. Total Asbestos ExclusionX04. Mold & Fungi ExclusionX05. Y2K EXCLUSION CLAUSE3.Clarification ClausesG01. DesignationG02. Premium AdjustmentG03. Premium AdjustmentG04. Increase in Cost of WorkingG05. OutputG06.New BusinessG07. Monthly Payment on AccountG08. Payment on AccountG09. Gross Profit Difference BasisG13. Inclusion of All TurnoverG14. Uninsured Standing ChargesG15. Accumulated StocksG16. Breach of Condition and WarrantyG21. Automatic Reinstatement of Sum InsuredG22. __Days’ CancellationG23. __Days’ Notify Cancellation or Refuse to RenewalG24. Nomination of Loss AdjusterG28. Co-InsuranceG32. Waiver of Subrogation (A)1.Extension ClausesK01. Scope of Cover（A）It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the Insured in respect of loss of Gross Profit resulting from interruption of or interference with the business at the premises in consequence of physical damage to the property used in business operation caused by perils or hazards covered under the Physical Damage Insurance during the period of insurance.Provided that the Insurer shall not be liable for any loss due to causes as following:1.willful act and/or gross negligence of the Applicant and/or the Insured; and/or2.earthquake or tsunami and/or secondary disasters so caused; and/or3.strike, riot, civil commotion, malicious damage an/or act of terrorism; and/or4.confiscation, temporary or permanent requisition by order of the government de jure orde facto or by any public authority; and/or5.nuclear radiation, nuclear fission, nuclear fusion, nuclear pollution or contamination andother radioactive pollution or contamination; and/or6.pollution of atmosphere, soil, water and other non-radioactive pollution; and/or7.other exclusions which agreed by the Insurer and the Insured.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K06. Denial of Access (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by the Insured at the Premises.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K07. Denial of Access (B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss if the aforesaid prevention of the use of the premise or the hinder of the access thereto is contributed to the failure of gas and/or water supply in the vicinity of Insured premises resulting from the property damage thereof.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K08. Murder, Infectious Disease, and Food Contamination Extension Clause (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. Murder or suicide occurring at the Premises stated in the Policy;2. Closure &/or quarantine of the Premises stated in the Policy by order of a competent public authority due to Notifiable Infectious Disease manifested by any person at the Premises;3. Closing of the whole or part of the premises by order of a competent pulblic authority consequent upon defects in the drains and other sanitary facilities at the Premises stated in the Policy.4. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises stated in the Policy.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first seventy-two (72) hours of such loss.It is a condition precedent to any liability of the Insurer that the Insured shall observe and fulfill relevant laws, regulations and requirements on security, sanitation and health, and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K09. Murder, Infectious Disease, and Food Contamination Extension (B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the Premises by order of a competent public authority consequent upon defects in the drains and other sanitary facilities at the Premises.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limit under this clause shall not exceed __.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K10. Murder, Infectious Disease, and Food Contamination Extension (C)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the premises by order of a competent public authorityconsequent upon defects in the drains and other sanitary facilities at the Premises.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first three (3) days of such loss.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K11. Infectious Disease ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this policy is extended to cover loss resulting from interruption of or interference with the business as the direct and sole result of Notifiable Infectious Disease manifested by any person at the Insured Premises which results in the total closure &/or quarantine of the Insured Premises by order of a competent government authority.For the purpose of this insurance, Notifiable Infectious Disease means illness sustained by any person resulting from any human infectious or human contagious disease (excluding Acquired Immune Deficiency Syndrome (AIDS)), the outbreak of which should be notified to the competent public authorities.For the purpose of this insurance ,(1)Indemnity Period means the period during which the results of the business shall be affected in consequence of the Notifiable Infectious Disease, beginning with effective date of the order issued by the competent government authority and ending not later than the Maximum Indemnity Period thereafter.(2) Notwithstanding any provision to the contrary within any other additional clauses or endorsements thereto , it is agreed that this insurance shall only be liable for interruption of or interference with the Insured’s business as a result of an insured event occurred within the locations as specified in the schedule , wherein the insured carries on his business .Provided that the Insurers’ liability under this extension shall not exceed ___ per occurrence for all insured parties in respect of all premises stated in the policy and ___ in aggregate under this extension during any one period of insurance and subject to the time excess of this policy.Occurrence means a loss or series of loss arising out of the event of Notifiable Infectious Disease occurring during the period of insurance.This Clause is subject otherwise to other terms and conditions of this Policy.K12. Closure of Operation FacilityIt is agreed and understood that, subject to the Applicant having paid the agreed additionalpremium, any loss resulting from interruption of or interference with the Insured’s business due to shut-down of operation facility by order of the Health Authorities as a result of food spoilage or contamination, shall be considered as the loss resulting from the physical damage to the insured property, regardless whether the insured property are damaged or not.For the purpose of this extension, Indemnity Period means the period during which the results of the business shall be affected, beginning with 72 hours after the occurrence of the loss and ending not later than 12 months thereafter.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K13. Public Utilities ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequence of failure of electricity, gas or water supply at the terminal ends of the electricity service feeders/Gas Works/Water Works from which the Insured obtained electric supply/Gas/water at the Premises directly due to the damage (as within defined) to property at an Electricity Station or Sub-station of Public Electricity Supply Undertaking from which the Insured obtained electric supply/Gas/water shall be deemed to be loss resulting from the damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss occasioned by the deliberate act of the Government, Municipal or Local Authority or Supply Authority not performed for the sole purpose of safeguarding life or protecting any part of the supply undertaking's system or by the exercise by any such authority of its power to withhold or restrict or ration supply not necessitated solely by the damage to the supply undertaking's generating or supply equipment by an insured perils.For the purpose of the this insurance , the Indemnity Period in respect of each damage or of series of damages consequent on or attributable to one source or original cause shall be as follows:The period beginning with the occurrence of the damage and ending not later than sixty (60) days thereafter during which the result of the business shall be affected in consequence of the damage.Provided that the Insurer shall not be liable for any loss unless the duration of each such failure exceeds twenty-four (24) hours and the Insurer shall not be liable for any loss for the first twenty-four (24) hours of each such failure.In any action, suit or other proceedings where the Insurer alleges that by reason of the provisionsof this condition any loss or damage is not covered by this insurance, the burden proving that this loss or damage is covered shall be upon the Insured.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K14. Public Utilities Extension （B）It is hereby agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the Insured for the loss resulting from interruption of or interference with the Business carried on by the Insured at the premises stated in the Policy in consequence of failure of gas or water supply at the terminal ends of the Gas Works/Water Works from where the Insured obtained gas/water supply, if such failure is directly due to the physical damage (as within defined) to property therein.For the purpose of this insurance, maximum indemnity period in respect of each occurrence shall be sixty (60) days since the date of such failure.The limit of indemnity under this clause shall be determined by the Applicant and specified in the Policy. The limit of indemnity shall not exceed:___In no case shall the insurer be liable for any loss occurred in the first twenty-four(24) hours of each such failure covered hereinThis Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K15. Loss of Book DebtsIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, within the respective limits of sums insured under this Policy, in the event of the records of accounts receivable kept on the premises being lost, destroyed or damaged by any of the perils insured against under this Policy the Insurer shall indemnify the Insured in respect of: 1) all sums due to the Insured from customers, provided the Insured is unable to effect collection thereof as a direct result of such loss,2) any collection expense in excess of normal collection cost and made necessary because of such loss,3) auditor’s charges necessarily and reasonably incurred in substantiating any claim under this extensionProvided that the Insured can substantiate the loss by documentary evidence by an Auditor and the Insurer's maximum liability under this extension shall not exceed_______.This extension applies only with respect to loss of or damage to records of accounts receivable and occurring during the period of insurance.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K16. Suppliers Extension （A）It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the property damage at the premises of the suppliers of the Insured, which leads to the suppliers’ failure to provide the raw materials, commodities or goods in process necessarily for the Insured’s business, shall be deemed to be loss resulting from damage to property used by the Insured at the premises, and the Insurer shall be liable for such loss subject to the conditions of this Policy.For the purpose of this insurance ,Supplier means any individual ,firm ,company, corporation , joint venture or entity from which the Insured directly obtains supplies of commodities, materials, components, goods or services, other than suppliers of public energy and other public facilities.T he Insurer’s liability under this extension shall not exceed ___ for any one supplier and ___ in aggregate during the period of insurance.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K20. Customers/Suppliers /ContractorsIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured resulting from interruption of and interference with the business in consequence of property damage at the customers/suppliers/toll manufacturers’ premises or in the course of construction executed by the contractors shall be deemed to be loss resulting from damage to property used by the insured at the premises.The Insurer’s liability under this extension shall not exceed ___ during the period of insurance.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K21. Unnamed Suppliers/CustomersIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured resulting from interruption of and interference with the business in consequence of damage to the property of the Insured’s customers or suppliers at their premises in PRC, shall be deemed to be loss resulting from damage to property used by the insured at the premises.The limit of indemnity under this extension clause shall not exceed______.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K22. Bomb Scare (only applied to PDBI)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with Business in consequence of bomb scare shall be deemed to be loss resulting from damage toproperty used by the Insured at the Premises.This clause is subject otherwise to the terms, conditions and exclusions of this Policy.K23. Government action (Not exceeding __ consecutive weeks)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover the loss as insured hereunder resulting directly from the interruption of or interference with the business, due to that the access to any insured premises is prohibited by order of civil authority as a direct result of damage to or destruction of property adjacent to the premises herein described by the peril(s) insured under physical damage insurance (Policy No.: ). T he Insurer’s liability under this extension shall not exceed ___ consecutive weeks, during the period of insurance .This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K24. Public Authority ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, in the event of loss or damage to Property insured under the physical damage insurance, this Policy shall be extended to cover the loss of Gross Profit as may be incurred or expanded solely by reason of the necessity to comply with building or other regulations under or framed in pursuance of any ordinance law, statute, rules or with bye-laws of any relative public authority in the course of repair, reconstruction, or reinstatement.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.K33. Departmental ClauseIt is agreed and understood that if the business be conducted in departments the independent trading results of which are ascertainable, the provisions of the item on gross profit shall apply separately to each department affected by the damage except that if the Sum Insured by the said item be less than the aggregate of the sums produced by applying the rate of gross profit for each department of the business (Whether affected by the damage or not) to its relative annual turnover (or to a proportionately increased multiple thereof where the maximum indemnity period exceed twelve (12) months the amount payable shall be proportionately reduced.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.K34. Au ditor’s FeesIt is agreed and understood that the auditor of the Insured is authorized to provide the necessary accounting records or any extract or detail of the accounting records for the purpose of the insurer to investigate or verify the claim under this policy. If the auditor happens to be performing seasonal works related with foresaid documents, the accounting/audit report shall be the preliminary supporting documents.This clause is subject otherwise to the terms, conditions and exclusions of this Policy.K35. Accountant’s/Auditor’s FeesIt is agreed and understood that any particulars or details contained in the Insured's books of account or other business books or documents which may be required by the Insurers for the purpose of investigating or verifying any claim hereunder may be produced by professional accountants if at the time they are regularly acting as such for the insured and their report shall be prima facie evidence of the particulars and details to which such report relates.The Insurer shall indemnify the Insured for the reasonable fees aforesaid payable to professional accounts or auditors provided that the sum of the amount payable under this extension shall in no case exceed_____.This clause is subject otherwise to the terms, conditions and exceptions of this Policy.K36. Errors &Omissions （A）It is agreed and understood that the interest of the Insured under this Policy shall not be prejudiced in the event of any unintentional delay or error or omission in reporting new locations acquired or occupied or in reporting any alteration of values of property or in reporting increase of hazard of the property insured or other material facts, provided that such delay, error or omission shall be immediately reported to the Insurer upon such alteration coming to the Insured’s knowledge.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.K37. Errors & Omissions （B）It is agreed and understood that the interest of the Insured under this Policy shall not be prejudiced in the event of any unintentional delay or error or omission in reporting new locations acquired or occupied or in reporting any alteration of values of property or in reporting increase of hazard of the property insured or other material facts, provided that such delay, error or omission shall be immediately reported to the Insurer upon such alteration coming to the Insured’s knowledge and additional premium, if any, shall be charged from the date of such increase of hazard to the expiration of this Policy.Incorrect, defect or wrong valuation shall not be deemed as unintentional errors and omissions.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.2.Restriction ClausesX01. War and Terrorism ExclusionNotwithstanding any provision to the contrary within this insurance or any Endorsement thereto it is agreed that this insurance excludes damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless ofany other cause or event contributing concurrently or in any other sequence to the loss:(1) War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, assuming the proportions of or amounting to an uprising, military or usurped power; or(2) Any act of terrorism.For the purpose of this insurance an act of terrorism means an act, including but not limited to the unlawful use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting along or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes including the intention to influence any government, and/or to put the public, or any section of the public, in fear for such purpose ..This Endorsement also excludes damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and /or (2) above.In the event any portion of this Endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.X02. IT Clarification ClauseProperty damage covered under this Policy means physical damage to the substance of property. Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion corruption or a deformation of the original structure.Consequently the following are excluded from this Policy:Loss of or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered.Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting from such loss or damage.This Clause is subject otherwise to the terms, Conditions and Exclusions of this Policy.X03. Total Asbestos ExclusionIt is hereby understood and agreed that this Policy shall not apply to and does not cover any actual or alleged liability whatsoever for any claim or claims in respect of loss or losses directly。
人保(备案)[2009]N233号-营业中断保险附加险条款(2009版)
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中国人民财产保险股份有限公司营业中断保险附加险条款（2009 版）本条款是《中国人民财产保险股份有限公司营业中断保险（2009版）》（以下简称“主险”）的附加险条款。
本附加险合同未约定事项，以主险合同为准；主险合同与本附加险合同相抵触之处，以本附加险合同为准。
投保人可以选择其中的某一个、某几个或全部附加险投保。
一、扩展类K01. 包括全部营业额条款K02. 未保险的维持费用条款K03. 通道堵塞条款K04. 谋杀等条款K05. 公众事业设备扩展条款K06. 遗失欠款账册条款K07. 恢复保险金额条款K08.每月预付赔款扩展条款K09. 调整保险费条款K10. 保单取消条款K11. 不得进入条款K12.承包商/ 供应商条款K13.顾客/供应商/承包商条款K14. 物质损失放弃免赔条款K16. 审计师条款K17. 通道受阻条款K19.政府法令条款（不超过连续10 星期）K20. 营业费用增加条款K21. 相关性条款K22. 累积存货条款、规范类G01.部门条款G02.账目分类条款G03.会计师条款G04.违反保险条件条款G06.保费调整条款G07. 保险人90 天通知取消保险或拒绝续保条款G08.新业务条款G09.产量条款G10.经营部门条款G11.新营业条款G12.预付赔款条款G13.不具名供应商及顾客扩展条款G14.放弃代位权条款一、扩展类K01. 包括全部营业额条款在赔偿期限内如果为获得营业收入，被保险人或他人代其在营业处所以外的地点，销售货物或提供服务，则有关这项销售或服务所给付或应给付的金额，在计算赔偿期限的营业额时应包括在内。
K02. 未保险的维持费用条款如本保险合同未承保经营业务的维持费用（根据本保险合同规定对毛利润的定义，在计算毛利润时已予减除），在计算本保险合同项下，可以取得补偿的营业费用增加的赔偿金额时，兹约定，依据本保险合同的条件，如果邻近营业处所的财产遭受（在此定义的）损坏，阻止或妨碍对营业处所的使用或进入，使营业中断或受到干扰，引起本保险合同所承保的损失，则不论营业处所或其内的被保险人财产是否遭受损坏，这项损失均应视作被保险人在营业处所使用的财产遭受损坏所引起的损失。
营业中断保险附加险条款
营业中断保险附加险条款本条款是《XXXXXXXX公司营业中断保险》（以下简称“主险”）的附加险条款。
本附加险合同未约定事项，以主险合同为准；主险合同与本附加险合同相抵触之处，以本附加险合同为准。
投保人可以选择其中的某一个、某几个或全部附加险投保。
一、扩展类K01.包括全部营业额条款K02.未保险的维持费用条款K03.通道堵塞条款K04.谋杀等条款K05.公众事业设备扩展条款K06.遗失欠款账册条款K07.恢复保险金额条款K08.每月预付赔款扩展条款K09.调整保险费条款K10.保单取消条款K11.不得进入条款K12.承包商/供应商条款 K13.顾客/供应商/承包商条款K14.物质损失放弃免赔条款K15.关闭营业处所/设施条款K16.审计师条款 K17.通道受阻条款 K18.炸弹恐吓条款 (只适用于财产利润损失险)K19.政府法令条款 (不超过连续10星期)K20.营业费用增加条款K21.相关性条款K22.累积存货条款二、规范类G01.部门条款G02.账目分类条款G03.会计师条款G04.违反保险条件条款G05.错误及遗漏描述条款G06.保费调整条款G07.保险人90天通知取消保险或拒绝续保条款G08.新业务条款G09.产量条款G10.经营部门条款G11.新营业条款G12.预付赔款条款G13.不具名供应商及顾客扩展条款G14.放弃代位权条款一、扩展类K01.包括全部营业额条款在赔偿期限内如果为获得营业收入，被保险人或他人代其在营业处所以外的地点，销售货物或提供服务，则有关这项销售或服务所给付或应给付的金额，在计算赔偿期限的营业额时应包括在内。
K02.未保险的维持费用条款如本保险合同未承保经营业务的维持费用(根据本保险合同规定对毛利润的定义，在计算毛利润时已予减除)，在计算本保险合同项下，可以取得补偿的营业费用增加的赔偿金额时，只赔偿营业费用增加乘以按毛利润与毛利润加上未保的维持费用之比例所得的那一部分额外费用。
营业中断险
中国人民财产保险股份有限公司营业中断保险条款（2009版）总则第一条本保险合同由保险条款、投保单、保险单或其他保险凭证以及批单组成。
凡涉及本保险合同的约定，均应采用书面形式。
第二条投保人应将被保险人在本保险合同载明的营业处所从事载明的经营业务（以下简称“营业”）所使用的物质财产向保险人投保相关的物质财产损失保险。
物质财产损失保险合同（以下简称物质损失保险合同）号应在本保险合同中载明。
保险责任第三条在保险期间内，被保险人因物质损失保险合同主险条款所承保的风险造成营业所使用的物质财产遭受损失（以下简称“物质保险损失”），导致被保险人营业受到干扰或中断，由此产生的赔偿期间内的毛利润损失，保险人按照本保险合同的约定负责赔偿。
本保险合同所称赔偿期间是指自物质保险损失发生之日起，被保险人的营业结果因该物质保险损失而受到影响的期间，但该期间最长不得超过本保险合同约定的最大赔偿期。
本保险合同所称毛利润是指按照下述公式计算的金额：毛利润=营业利润+约定的维持费用或毛利润=约定的维持费用-营业亏损×约定的维持费用/全部的维持费用本保险合同所称维持费用是指被保险人为维持正常的营业活动而发生的、不随被保险人营业收入的减少而成正比例减少的成本或费用。
约定的维持费用由投保人自行确定，经保险人确认后在保险合同中载明。
除另有约定外，上述公式所用的会计措辞的含义与被保险人会计账表中的含义一致。
第四条发生第三条约定的保险事故后，被保险人申请赔偿时，按照保险人的要求提供有关账表、账表审计结果或其他证据所付给被保险人聘请的注册会计师的合理的、必要的费用（以下简称审计费用），保险人在本保险合同约定的赔偿限额内也负责赔偿。
责任免除第五条保险人不负责赔偿下列损失：（一）投保人、被保险人的故意或重大过失行为产生或扩大的任何损失；（二）由于物质损失保险合同主险条款责任范围以外的原因产生或扩大的损失；（三）地震、海啸及其次生灾害产生或扩大的损失；（四）由于政府对受损财产的修建或修复的限制而产生或扩大的损失；（五）恐怖主义活动产生或扩大的损失；（六）本保险合同载明的免赔额或本保险合同约定的免赔期内的损失。
人保(备案)[2009]N276号-家财险附加险条款(2009版)的费率
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中国人民财产保险股份有限公司家财险附加险费率表FJ01.龙卷风、暴风、暴雨、雪灾、冰凌附加保险费率表一、基本费率龙卷风、暴风、暴雨、雪灾、冰凌附加保险的年费率是0.1~0.2‰。
二、费率说明以及保险费计算龙卷风、暴风、暴雨、雪灾、冰凌附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率三、其他事项龙卷风、暴风、暴雨、雪灾、冰凌附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
FJ02. 雹灾附加保险条款（2009版）一、基本费率雹灾附加保险的年费率是0.05~0.1‰。
二、费率说明以及保险费计算雹灾附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率。
三、其他事项雹灾附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
FJ03. 洪水附加保险条款（2009版）一、基本费率洪水附加保险的年费率是0.1~0.2‰。
二、费率说明以及保险费计算洪水附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率。
三、其他事项洪水附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
FJ04. 泥石流、崖崩、突发性滑坡、地面突然下陷附加保险条款（2009版）一、基本费率泥石流、崖崩、突发性滑坡、地面突然下陷附加保险的年费率是0.1~0.2‰。
二、费率说明以及保险费计算泥石流、崖崩、突发性滑坡、地面突然下陷附加保险的保险费＝保险单上载明保险标的对应的保险金额×附加保险费率三、其他事项泥石流、崖崩、突发性滑坡、地面突然下陷附加保险不可单独退保，并且不设短期费率。
如果因主险合同退保造成本附加险合同同时被解除的，对于本附加险合同未满期部分的保险费，保险人不予退还。
人保(备案)[2009]N254号-工程险附加险条款
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1
K22 制造商风险扩展条款 K23 机器设备测试特别条款 K24 地下管道钻探特别条款 K25 被保险人控制财产扩展条款 K26 安装试车条款 K27 保证期内第三者责任扩展条款 K28 场外装配扩展条款 K29 车辆责任条款 K30 车辆装卸责任条款 K31 地上建筑开裂责任条款 K32 第三者定义扩展条款 K33 董事及管理人员第三者责任条款 K34 地下文物责任扩展特别条款 K35 电气设备损坏条款 K36 盾构设备特别条款 K37 个人财产及工具条款 K38 41 自燃、鼠咬、虫蛀扩展条款 K42 完工延迟条款 K43 突然及意外渗漏、污染、玷污条款 K44 意外污染责任特别条款 K45 未受损地基条款 K46 业主雇员在工地意外伤害扩展条款 K47 制造商风险扩展条款 A K48 “暗河”特别条款 K49 保额自动增加条款 K50 不作比例赔付处理条款
3
K80 建筑物变动条款 二、限制类
X01 地震除外条款 X02 洪水除外条款 X03 隧道工程特别除外条款 X04 农作物、森林除外条款 X05 大坝、水库工程除外特别条款 X06 清除滑坡土石方特别除外条款 X07 旧设备除外条款 X08 风暴除外条款 X09 隧道、坑道、临时或永久地下建筑安装工程特别条款 X10 打桩及挡土墙除外条款 X11 水平钻探损失除外条款 X12 打桩特别条款 X13 沉降特别条款 X14 地下服务设施条款 X15 涵洞、溶洞工程除外责任条款 X16 打桩工程和挡土墙保护工程的特别条款 X17 地基不牢引发陆地下沉的除外条款 三、规范类 G01 地震地区建筑物特别条款 G02 建筑、安装工程时间进度特别条款 G03 工棚、库房特别条款 G04 施工用机具特别条款 G05 建筑材料特别条款 G06 防火设施特别条款 G07 铺设水、污水管特别条款 G08 钻井工程特别条款 G09 碳氢化合物生产业特别条款 1
人保(备案)[2009]N304号-公众责任保险条款(1999版)(2)
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中国人民财产保险股份有限公司公众责任保险条款（1999版）（2009年9月18日中国保险监督管理委员会核准备案，编号：人保（备案）[2009]N304号）总则第一条本保险合同由保险条款、投保单、保险单以及批单组成。
凡涉及本保险合同的约定，均应采用书面形式。
第二条凡依法设立的企事业单位、社会团体、个体工商户、其他经济组织及自然人，均可作为被保险人。
保险责任第三条在本保险有效期限内，被保险人在本保险单明细表中列明的地点范围内依法从事生产、经营等活动以及由于意外事故造成下列损失或费用，依法应由被保险人承担的民事赔偿责任，保险人负责赔偿：（一）第三者人身伤亡或财产损失；（二）事先经保险人书面同意的诉讼费用；（三）发生保险责任事故后，被保险人为缩小或减少对第三者人身伤亡或财产损失的赔偿责任所支付的必要的、合理的费用。
保险人对上述第（一）与第（二）项的每次事故赔偿总金额不超过本保险单明细表中列明的每次事故赔偿限额；如本保险合同约定了每人人身伤亡赔偿限额的，保险人对每次事故每人人身伤亡的赔偿金额不超过每人人身伤亡赔偿限额。
保险人对上述第（三）项的每次事故赔偿金额不超过本保险单明细表中列明的每次事故赔偿限额。
在保险期限内，保险人对被保险人的累计赔偿总金额不得超过本保险单明细表中列明的累计赔偿限额。
责任免除第四条下列原因造成的损失、费用和责任，保险人不负责赔偿：（一）被保险人及其代表的故意或重大过失行为；（二）战争、敌对行为、军事行为、武装冲突、罢工、骚乱、暴动、盗窃、抢劫；（三）政府有关当局的没收、征用；（四）核反应、核子辐射和放射性污染；（五）地震、雷击、暴雨、洪水、火山爆发、地下火、龙卷风、台风、暴风等自然灾害；（六）烟熏、大气、土地、水污染及其他污染；（七）锅炉爆炸、空中运行物体坠落；（八）直接或间接由于计算机2000年问题引起的损失。
第五条被保险人的下列损失、费用和责任，保险人不负责赔偿：（一）被保险人或其代表、雇佣人员人身伤亡的赔偿责任，以及上述人员所有的或由其保管或控制的财产的损失；（二）罚款、罚金或惩罚性赔款；（三）被保险人根据与他人的协议应承担的责任，但即使没有这种协议，被保险人依法仍应承担的责任不在此限。
人保(备案)[2009]N231号 机器损坏保险附加险条款
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中国人民财产保险股份有限公司机器损坏保险附加险条款本条款是中国人民财产保险股份有限公司机器损坏保险（2009版）（以下简称“主险”）的附加险条款。
本附加险条款未约定事项，以主险条款为准；主险条款与本附加险条款相抵触之处，以本附加险条款为准。
投保人可以选择其中的某一个、某几个或全部附加险条款投保。
一、扩展类(K)K01 罢工、暴乱、民众骚动损失条款K02 自动恢复保险金额条款K03 清除残骸费用条款K04 特别费用条款K05 空运费条款K06 专业费用条款K07 电动马达检修条款K08 蒸汽、水、气体涡轮机及涡轮发电机条款K09 锅炉爆炸、倒塌保险扩展条款K10安装设备扩展条款K11重新安装条款K12传送带、刀具扩展条款K13场外维修及改造条款K14索赔费用条款K15试车条款/调试条款K16突然及意外放射性污染条款K17污染清理条款二、规范类(G)G01资产增加条款G02保险单制作人条款G03标题条款G04抢险施救条款G05取费标准条款G06完全置换条款一、扩展类(K)K01罢工、暴乱、民众骚动损失条款本保险扩展承保在本保险单明细表中列明的地点、范围内由于罢工、暴乱、民众骚动以及在此期间因发生抢劫造成被保险财产的损失。
但本扩展条款对由于政府或公共当局的命令、没收、征用或拆毁造成的损失以及罢工、暴乱、民众骚动中的纵火所致的损失不负责赔偿。
本保险单所载其他条件不变。
K02自动恢复保险金额条款兹经双方同意，保险人对受损的被保险财产予以赔偿后，原保险金额自动恢复，但被保险人应按日比例补交从发生损失之日起至保险单终止之日止恢复保额部分的保险费。
本保险单所载其他条件不变。
K03清除残骸费用条款兹经双方同意，保险人负责赔偿被保险人因本保险单承保的风险造成被保险财产的损失而发生的清除、拆除及支撑受损财产的费用，但不得超过本保险单明细表中列明的限额。
本保险单所载其他条件不变。
K04特别费用条款兹经双方同意，鉴于被保险人已缴付附加的保险费，本保险扩展承保下列特别费用，即：加班费、夜班费、节假日加班费以及快运费(不包括空运费)，该特别费用须与本保险单项下予以赔偿保险项目的损失有关。
-营业中断保险(2009版)的费率 保险条款开发
XXX财产保险股份有限公司
营业中断保险（2009版）费率表
一、基准费率
财产损失引起的毛利润损失：财产保险实际费率的2倍
机器损坏引起的毛利润损失：机器损坏保险实际费率的4倍
赔偿期限为12个月，基准免赔为30天。
注：实际费率为财产保险（财产基本险、财产综合险或财产一切险）或机器损坏保险基准费率乘以各项调整系数后得出的费率，此处免赔额系数一律取1.0。
二、费率调整系数
（二）赔偿期限系数
三、保费计算方法
保险费＝（毛利润保险金额+审计费用赔偿限额）×基准费率×免赔系数×赔偿期限系数
如果同时承保财产损失和机器损坏引起的毛利润损失，则需要分别计算财产损失引起营业中断的保险费和机器损坏引起营业中断的保险费，并将二者求和作为总保费。
人保(备案)[2009]N248号-风电企业运营期一切险附加险条款(2009版)
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中国人民财产保险股份有限公司风电企业运营期一切险附加险条款（2009版）一、扩展类 (2)K01. 地震、海啸扩展条款 (2)K02. 沙尘暴扩展条款 (2)K03. 台风扩展条款 (2)K04. 盗窃、抢劫扩展条款 (3)K05. 罢工、暴乱及民众骚乱扩展条款 (3)K06. 恶意破坏扩展条款 (3)K07. 供应中断扩展条款A (3)K08. 供应中断扩展条款B (4)K09. 恐怖活动扩展条款 (4)K10. 内陆运输扩展条款 (4)K11. 露天存放及简易建筑内财产扩展条款 (4)K12. 建筑物变动扩展条款 (4)K13. 复制费用扩展条款 (5)K14. 清理残骸费用扩展条款 (5)K15. 专业费用扩展条款 (5)K16. 特别费用扩展条款 (5)K17. 空运费扩展条款 (5)K18. 公共当局扩展条款 (6)K19. 建筑物未受损部分额外费用扩展条款 (6)K20. 租金损失险条款 (6)K21. 厂区间临时移动扩展条款 (7)K22. 临时移动扩展条款 (7)K23. 增加资产扩展条款 (7)K24. 便携式设备扩展条款 (7)K25. 雇员个人物品扩展条款 (7)K26. 自动升值扩展条款 (8)K27. 放弃代位追偿扩展条款 (8)二、限制类 (8)X01. 机器/电气意外事故除外条款 (8)X02. 暴风雨除外条款 (8)X03. 龙卷风除外条款 (8)X04. 洪水除外条款 (9)X05. 自燃除外条款 (9)三、规范类 (9)G01. 仓储财产申报条款 (9)G02. 自动恢复保险金额条款 (9)G03. 错误和遗漏条款 (9)G04. 不受控制条款 (10)G05. 不使失效条款 (10)G06. 违反条件条款 (10)G07. 成对或成套设备条款 (10)G08. 赔款接受人条款 (10)G09. 抵押权条款 (11)G10. 指定公估人条款 (11)G11. 预付赔款条款 (11)G12. 索赔单据条款 (11)G13. 紧急抢险条款 (11)G14. 50/50条款 (12)G15. 分期付费条款 (12)G16. 消防保证条款 (12)G17. 防洪保证条款 (13)G18. 市场价值特别条款 (13)一、扩展类K01. 地震、海啸扩展条款经双方同意，由于烈度达到或超过保险标的所在地抗震设防标准的地震或由此引起的海啸、火灾、爆炸造成保险标的的损失，保险人按照本保险合同的约定负责赔偿。
人保(备案)[2009]N229号-财产险附加险条款
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中国人民财产保险股份有限公司财产险附加险条款本条款是中国人民财产保险股份有限公司财产基本险（2009版）、财产综合险（2009版）、财产一切险（2009版）、电厂财产基本险条款（2009版）、电厂财产综合险条款（2009版）、电厂财产一切险条款（2009版）、商业楼宇财产基本险条款（2009版）、商业楼宇财产综合险条款（2009版）、商业楼宇财产一切险条款（2009版）（以下简称“主险”）的附加险条款，只有在投保了上述保险的基础上，方可投保下列附加险。
本附加险合同未约定事项，以主险合同为准；主险合同与本附加险合同相抵触之处，以本附加险合同为准。
投保人可以选择其中的某一个、某几个或全部附加险投保。
一、扩展类（K）（一）一般扩展责任类（KA）KA01.暴风雨扩展条款KA02.台风、飓风扩展条款KA03.龙卷风扩展条款KA04.洪水扩展条款KA05.冰雹扩展条款KA06.雷击扩展条款KA07.暴雪、冰凌扩展条款KA08.沙尘暴扩展条款KA09.泥石流、崩塌、突发性滑坡扩展条款KA10.地面突然下陷下沉扩展条款KA11.地震扩展条款KA12.财产保险地震责任扩展条款KA13.飞行物体及其他空中运行物体坠落扩展条款KA14.水箱、水管爆裂扩展条款KA15.自燃扩展条款KA16.盗窃、抢劫扩展条款KA17.罢工、暴乱及民众骚乱扩展条款KA18.恶意破坏扩展条款KA19.自动喷淋系统水损扩展条款KA20.碰撞扩展条款KA21.供应中断扩展条款AKA22.供应中断扩展条款BKA23.供应中断扩展条款CKA24.供应中断扩展条款DKA25.烟熏扩展条款KA26.恐怖活动扩展条款KA27.扩展恐怖主义风险责任条款KA28.承保全部盗窃条款KA29.虫蛀、鼠咬损失扩展条款KA30.存货变质条款KA31.山崩和下陷条款KA32.海潮保险条款KA33.供水、供气、管道破裂损失条款KA34.公用设施故障条款KA35.导线“舞动”损失扩展条款KA36.“污闪”损失扩展条款KA37.水暖管爆裂条款KA38.液体泄漏条款KA39.污染风险扩展条款KA40.意外污染条款KA41.烟损条款KA42.液体渗漏条款KA43.霉变条款（二）特定标的扩展责任类（KB）KB01.油气管道损坏扩展条款KB02.玻璃破碎扩展条款KB03.建筑物外部附属设施扩展条款AKB04.建筑物外部附属设施扩展条款BKB05.露天存放及简易建筑内财产扩展条款AKB06.露天存放及简易建筑内财产扩展条款BKB07.冷库扩展条款KB08.锅炉、压力容器扩展条款KB09.铁路机车车辆扩展条款KB10.起重、运输机械扩展条款KB11.建筑物变动扩展条款KB12.铁路机车车辆露天存放、脱轨或冲突扩展条款KB13.玻璃破碎扩展条款KB14.财产流动条款（存货及机械设备）KB15.仓库、库房储存保管条款KB16.冷库条款KB17.电路电器设备损失条款KB18.电气损害条款KB19.供电故障导致畜禽损失条款KB20.广告霓虹灯扩展条款KB21.贵重文件条款KB22.贵重物品、古董和艺术品条款KB23.机动车辆条款KB24.计算机及附属设备条款KB25.计算机设备保险财产项目保险特约条款KB26.建筑物变动条款KB27.金银珠宝钻石玉器翡翠首饰条款KB28.建筑物外部附属设施扩展条款KB29.检修扩展条款KB30.草木特约条款KB31.仓储财产损失特别条款KB32.扩展车辆测试条款KB33.流动机械扩展条款（三）扩展费用类（KC）KC01.复制费用扩展条款KC02.灭火费用扩展条款AKC03.灭火费用扩展条款BKC04.消防队灭火费用扩展条款KC05.临时保护措施扩展条款KC06.清理残骸费用扩展条款KC07.专业费用扩展条款KC08.特别费用扩展条款KC09.空运费扩展条款KC10.公共当局扩展条款KC11.建筑物未受损部分额外费用扩展条款KC12.重新安装费用条款KC13.额外费用条款KC14.加快费用条款KC15.建筑费用增加条款KC16.建筑师、检验师、顾问、法律和其它专业费用条款KC17.空运费扩展条款KC18.水道清理条款KC19.重新装嵌机器条款KC20.疏散费用扩展条款KC21.拆开、拆卸机器设备及重新安装费用条款KC22.残余物及污染清除费用条款KC23.清理排水道费用条款（四）扩展标的地点类（KD）KD01.厂区间临时移动扩展条款KD02.车辆装载物扩展条款KD03.临时移动扩展条款KD04.委托加工扩展条款KD05.内陆运输扩展条款AKD06.内陆运输扩展条款BKD07.厂内迁移条款KD08.场所外财产条款KD09.车载货物条款KD10.新获取财产条款KD11.自动扩展承保新增地点条款KD12.自动承保新地址与未指明仓储地址条款KD13.场外维修、保养及改造条款KD14.自动售货机扩展条款KD15.临时移动条款KD16.内陆运输条款（五）扩展标的类（KE）KE01.增加资产扩展条款AKE02.增加资产扩展条款BKE03.便携式设备扩展条款KE04.雇员个人物品扩展条款KE05.其他物品扩展条款KE06.看护、保管和管理财产条款KE07.个人财产条款KE08.被保险人照顾、监管及控制标的物范围附加条款KE9.租户财产责任扩展条款KE10.内部物品条款KE11.所有其它内部设备条款KE12.租赁财产条款KE13.扩建、改建及维修条款KE14.手提电脑及照相摄像器材条款KE15.在建工程（含保险期内新增工程）扩展条款KE16. 媒介物扩展条款（六）扩展赔偿基础类（KF）KF01.自动升值扩展条款KF02.合同价格扩展条款KF03.85％扩展条款KF04.放弃代位追偿扩展条款KF05.地域调整特别条款KF06.防止损失扩大条款KF07.通货膨胀条款KF08.不使失效条款KF09.放弃比例分摊扩展条款二、限制类（X）X01.暴风雨除外条款X02.台风、飓风除外条款X03.龙卷风除外条款X04.洪水除外条款X05.沙尘暴除外条款X06.碰撞除外条款X07.自燃除外条款X08简易建筑除外条款X09感应雷击除外条款三、规范类（G）G01.仓储财产申报条款G02.自动恢复保险金额条款G03.重置价值条款G04.定值保险条款G05.错误和遗漏条款G06.不受控制条款G07.不使失效条款G08.违反条件条款G09.成对或成套设备条款G10.72小时条款G11.赔款接受人条款G12.抵押权条款G13.指定公估人条款G14.预付赔款条款AG15.预付赔款条款BG16.索赔单据条款G17.紧急抢险条款G18.50/50条款G19.分期付费条款AG20.分期付费条款BG21.消防保证条款G22.防洪保证条款G23.仓储物特约条款G24.水位线特约条款：G25.防洪保证条款G26.建筑物消防保证条款G27.配对成套条款G28.成对和成套财产条款KA01. 暴风雨扩展条款经双方同意，由于暴风、暴雨造成保险标的的损失，保险人按照本保险合同的约定负责赔偿。
人保(备案)[2009]N109号-航空运输货物保险条款(2009版)
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航空运输货物保险条款（2009版）一、责任范围本保险分为航空运输险和航空运输一切险二种。
被保险货物遭受损失时，本保险按保险单上订明承保险别的条款负赔偿责任。
(一)航空运输险本保险负责赔偿：1、被保险货物在运输途中遭受雷电、火灾或爆炸或由于飞机遭受恶劣气候或其它危难事故而被抛弃，或由于飞机遭受碰撞、倾覆、坠落或失踪意外事故所造成的全部或部分损失。
2、被保险人对遭受承保责任内危险的货物采取抢救，防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为限。
(二)航空运输一切险除包括上列航空运输险的责任外，本保险还负责被保险货物由于外来原因所致的全部或部分损失。
二、除外责任本保险对下列损失，不负赔偿责任：(一)被保险人的故意行为或过失所造成的损失。
(二)属于发货人责任所引起的损失。
(三)保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的损失。
(四)被保险货物的自然损耗、本质缺陷、特性以及市价跌落、运输延迟所引起的损失或费用。
(五)本公司航空运输货物战争险条款和货物运输罢工险条款规定的责任范围和除外责任。
三、责任起迄(一)本保险负“仓至仓”责任，自被保险货物运离保险单所载明的起运地仓库或储存处所开始运输时生效，包括正常运输过程中的运输工具有内，直到该项货物运达保险单所载明目的地收货人的最后仓库或储存处所或被保险人用作分配、分派或非正常运输的其它储存处所为止。
如未运抵上述仓库或储存处所，则以被保险货物在最后卸载地卸离飞机后满三十天为止。
如在上述三十天内被保险的货物需转送到非保险单所载明的目的地时，则以该项货物开始转运时终止。
(二)由于被保险人无法控制的运输延迟、绕道、被迫卸货、重新装载、转载或承运人运用运输契约赋予的权限所作的任何航行上的变更或终止运输契约。
致使被保险货物运到非保险单所载目的地时，在被保险人及时将获知的情况通知保险人，并在必要时加交保险费的情况下，本保险仍继续有效，保险责任按下述规定终止：1 被保险货物如在非保险单所载目的地出售，保险责任至交货时为止，但不论任何情况，均以被保险的货物在卸载地卸离飞机后满三十天为止。
人保(备案)[2009]N228号-财产一切险条款(2009版)的费率
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中国人民财产保险股份有限公司
财产保险费率表
一、基准费率
基准费率表
二、行业标准费率
行业标准费率=基准费率×行业系数
行业系数表
行业代码对照表
三、区域标准费率
区域标准费率= 行业标准费率×(暴风雨损失占比×暴风雨区域系数+台风损失占比×台风区域系数+洪水损失占比×洪水区域系数+其他灾因损失占比×其他灾因区域系数)
注：基本险的区域系数为1
各灾因损失占比表
暴风雨区域系数表
台风区域系数表
洪水区域系数表
其他灾因区域系数表
四、标的实收费率
标的实收费率=区域标准费率×保额系数×绝对免赔额系数×个体风险评估系数
保额系数表
绝对免赔额系数表
个体风险评估系数表
附：纯风险损失率项目使用相关费率表，不适用上述费率表。
营业中断保险条款 (2009版)
3
高保险费率的，本公司有权按照相关法律规定即时解除本保险合同。前款规定的合同解除权，自本 公司知道有解除事由之日起，超过三十日不行使而消灭。 投保人或被保险人故意不履行如实告知义务，本公司对于本保险合同解除前发生的保险事故，不 承担赔偿责任，并不退还保险费。 投保人或被保险人因重大过失未履行如实告知义务，对于本保险合同解除前所发生的保险事故有 严重影响的，本公司对于该保险事故不承担赔偿责任，但可按日比例退还已收取的自解除之日起 的未满期保险费。 本公司在合同订立时已经知道投保人或被保险人未如实告知的情况的，本公司不得解除合同；发生 保险事故的，本公司应当承担赔偿保险金的责任。
第九条 每一次事故所造成每一单项损失应分别理算，即在适用比例分摊原则后，再减去保险单中 所列明的免赔金额。
本 保险人义务
第十条 本公司认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保 人、被保险人补充提供。
样 第十一条 本公司收到被保险人的赔偿请求及完整的索赔资料后，应当及时作出核定；情形复杂的，
第十八条 如果在与保险期限最为接近的会计年度内，被保险人所取得的经被保险人的审计师签核 的已赚毛利润或已付工资（当最大赔偿期限超过十二个月时，则按比例相应增加）低于与其相应的 保险金额，则本公司按照差额的大小，将该保险期限内已支付的保险费按比例退还给被保险人，但 最多不超过已支付保险费的百分之五十。如果退款前已发生了任何损失并由此而引起本保险合同下 的索赔，退款金额仍应根据上述差额确定，而不受该损失的影响。
人保保赔险条款2009
人保保赔险条款2009摘要：1.人保保赔险条款2009 简介2.条款的主要内容3.条款的适用范围4.条款的注意事项正文：【人保保赔险条款2009 简介】人保保赔险条款2009，全称为中国人民保险公司保赔险条款（2009 版），是由中国人民保险公司制定并于2009 年开始实施的一项保险条款。
它是针对各类保险事故中可能产生的赔偿责任进行规范和保障的一项条款，适用于人保财险、人保寿险、人保健康等子公司的各类保险产品。
【条款的主要内容】人保保赔险条款2009 主要包括以下内容：1.保险责任：明确了保险公司承担赔偿责任的范围和条件。
2.责任免除：列举了保险公司不承担赔偿责任的情况，如战争、军事行动、恐怖活动等。
3.赔偿限额：规定了保险公司对每次保险事故的最高赔偿金额。
4.赔偿处理：明确了保险公司在接到赔偿申请后的处理流程和时限。
5.争议处理：规定了双方在赔偿争议处理过程中的权利和义务。
【条款的适用范围】人保保赔险条款2009 适用于以下情况：1.人保财险、人保寿险、人保健康等子公司的各类保险产品。
2.保险合同中约定的保险事故发生，需要承担赔偿责任的情况。
【条款的注意事项】在签订保险合同时，需注意以下事项：1.仔细阅读保险合同和保赔险条款，了解保险责任、责任免除、赔偿限额等内容。
2.如有疑问，及时向保险公司咨询，确保自身权益。
3.保险公司在赔偿处理过程中，要按照条款规定执行，确保赔偿公正、公平。
4.如发生争议，双方应协商解决，协商不成的可以通过法律途径解决。
总之，人保保赔险条款2009 是对保险公司赔偿责任进行规范和保障的一项重要条款，对于保险合同的签订和执行具有重要的指导意义。
人保(备案)[2009]N371号-N372号-注册会计师执业责任保险附加险条款
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中国人民财产保险股份有限公司注册会计师执业责任保险附加险条款在投保《中国人民财产保险股份有限公司注册会计师执业责任保险》（以下简称“主险”）的基础上，投保人可以投保下列附加险。
一、附加帐册文件丢失险条款(本附加险条款适用于条款（A）和（B）)（2009年9月18日中国保险监督管理委员会核准备案，编号：人保（备案）[2009]N371号）兹经保险合同双方特别约定且投保人已支付相应的保险费，保险人负责赔偿被保险人的注册会计师在依法执业过程中因过失造成委托人提供的帐册、报表、文件或其他会计资料的损毁、灭失和丢失，而发生的寻找和恢复这些帐册、报表、文件或其他会计资料的费用。
对于上述费用，保险人按照被保险人实际发生的费用金额进行赔偿；被保险人应提供相应的证明。
但保险人在本附加险条款项下的赔偿责任不得超过保险单明细表载明的相应的赔偿限额。
本保险合同所载的其他条件不变。
二、首次投保追溯期扩展条款（本扩展条款仅适用于条款（B））（2009年9月18日中国保险监督管理委员会核准备案，编号：人保（备案）[2009]N372号）兹经保险合同双方特别约定且投保人已支付相应的保险费，保险人同意将首次投保的追溯期扩展至投保人约定的时间。
但首次投保的追溯期扩展的时间最长不得超过5年。
如首次投保的投保人约定扩展的追溯期为一年，则应按照该追溯期内实际业务收入的80%计算保险费；如首次投保的投保人约定扩展的追溯期为两年，则应按照该追溯期内实际业务收入的70%计算保险费；首次投保的投保人约定扩展的追溯期为三年，则应按照该追溯期内实际业务收入的60%计算保险费；首次投保的投保人约定扩展的追溯期为四年，则应按照该追溯期内实际业务收入的50%计算保险费；首次投保的投保人约定扩展的追溯期为五年，则应按照该追溯期内实际业务收入的40%计算保险费。
在首次投保的投保人要求扩展的追溯期内，被保险人于本保险合同生效时没有可以合理预见的索赔情况，是保险人承担本扩展条款约定的追溯期责任的先决条件。
人保(备案)[2009]N246号-电厂营业中断保险附加险条款(2009版)
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中国人民财产保险股份有限公司电厂营业中断保险附加险条款（2009版）一、扩展类：K01.附加新企业条款K02.附加通道堵塞条款K03.附加公共事业设备条款K04.附加供应商条款K05.附加购买商条款K06.附加谋杀、传染病和污染条款K07.遗失欠款帐册条款二、规范类：G01.包括全部营业额条款G02.未保险的维持费用条款G03.共保条款（90%）G04.错误和遗漏条款G05.产量条款G06.自动恢复保险金额条款G07.分部门条款G08.每月预付赔款G09.调整保险费条款G10.物质损失放弃免赔条款G11.六十天取消保单条款G12.指定公估人条款G13.独立被保险人条款K01.附加新企业条款经保险合同双方特别约定，若被保险人在保险期间内发生保险事故时其营业时间尚未超过一年的，保险人按照对毛利润率、标准营业收入和年度营业收入的如下约定计算毛利润损失：一、毛利润率按照被保险人从其营业开始至发生物质保险损失之日止的期间内的毛利润与营业收入的比例计算；二、标准营业收入按照被保险人从其营业开始至发生物质保险损失之日止的期间内的营业收入，乘以赔偿期间与前述期间的比例计算；三、年度营业收入按照被保险人从其营业开始至发生物质保险损失之日止的期间内的营业收入，乘以十二个月与前述期间的比例计算。
被保险人、保险人应根据被保险人营业趋势及情况的变化、物质保险损失发生前后营业受影响的情况或若未发生物质保险损失原会影响营业的其他情况对毛利润率、标准营业收入以及年度营业收入进行必要的调整，使调整后的数额尽可能合理地接近在赔偿期间内若未发生损失被保险人原可以取得的经营成果。
本保险合同所载其他条件不变。
K02.附加通道堵塞条款经保险合同双方特别约定且投保人已支付相应的附加保险费，若本保险合同载明的营业处所临近的财产因发生物质财产损失保险合同主险条款责任范围内的事故遭受物质损失，造成该营业处所无法使用或堵塞进出该营业处所的通道，使被保险人营业受到干扰或中断，无论被保险人在该营业处所的财产是否发生物质保险损失，保险人均将其视为保险事故并对被保险人的损失按照保险合同约定进行赔偿。
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中国人民财产保险股份有限公司营业中断保险附加险条款（2009版）本条款是《中国人民财产保险股份有限公司营业中断保险（2009版）》（以下简称“主险”）的附加险条款。
本附加险合同未约定事项，以主险合同为准；主险合同与本附加险合同相抵触之处，以本附加险合同为准。
投保人可以选择其中的某一个、某几个或全部附加险投保。
一、扩展类K01.包括全部营业额条款K02.未保险的维持费用条款K03.通道堵塞条款K04.谋杀等条款K05.公众事业设备扩展条款K06.遗失欠款账册条款K07.恢复保险金额条款K08.每月预付赔款扩展条款K09.调整保险费条款K10.保单取消条款K11.不得进入条款K12.承包商/供应商条款K13.顾客/供应商/承包商条款K14.物质损失放弃免赔条款K15.关闭营业处所/设施条款K16.审计师条款K17.通道受阻条款K18.炸弹恐吓条款 (只适用于财产利润损失险)K19.政府法令条款 (不超过连续10星期)K20.营业费用增加条款K21.相关性条款K22.累积存货条款二、规范类G01.部门条款G02.账目分类条款G03.会计师条款G04.违反保险条件条款G05.错误及遗漏描述条款G06.保费调整条款G07.保险人90天通知取消保险或拒绝续保条款G08.新业务条款G09.产量条款G10.经营部门条款G11.新营业条款G12.预付赔款条款G13.不具名供应商及顾客扩展条款G14.放弃代位权条款一、扩展类K01.包括全部营业额条款在赔偿期限内如果为获得营业收入，被保险人或他人代其在营业处所以外的地点，销售货物或提供服务，则有关这项销售或服务所给付或应给付的金额，在计算赔偿期限的营业额时应包括在内。
K02.未保险的维持费用条款如本保险合同未承保经营业务的维持费用(根据本保险合同规定对毛利润的定义，在计算毛利润时已予减除)，在计算本保险合同项下，可以取得补偿的营业费用增加的赔偿金额时，只赔偿营业费用增加乘以按毛利润与毛利润加上未保的维持费用之比例所得的那一部分额外费用。
K03.通道堵塞条款兹约定，由于邻近营业处所的财产遭受(本保险合同所限定的)损坏，使营业中断或受到干扰，因而导致本保险合同所承保的损失而上述损坏将阻碍该财产的使用或堵塞其通道口，则不论营业处所或被保险人在营业处所内的财产是否遭受损失，这项损失均应视作由于被保险人在营业处所使用的财产遭受损坏所造成的损失。
本条除上述规定外，其他均以本保险合同所载条款为准。
K04.谋杀等条款兹约定，本保险合同所列明的“损失”一词应具有下列含义：(1)由于营业处所发生传染病，而取消客房预订或不能接受预订；(2)在营业处所发生谋杀或自杀；(3)旅馆客人由于食用营业处所提供的变质或受病菌感染的食物或饮料而致伤害或引起疾病；(4)由于营业处所的排水设施及其他卫生设备发生缺陷，遵照主管当局指示，关闭全部或部分营业处所。
保险人对每次事故损失所引起的本条款项下的索赔，不负责事故发生后头三天的损失。
被保险人务必注意使一切物件适合其原定用途，并应克尽职责，使营业处所避免发生上述意外事件，是保险人负担任何赔偿责任的先决条件。
本条除上述规定外，其他均以本保险合同所载条款为准。
K05.公众事业设备扩展条款兹约定，如未发生本保险合同所承保的损失，其原因是由于向被保险人营业处所供电，供气或供水的发电站，煤气厂或自来水厂不能供应电、气或水，使被保险人在本保险合同指定的处所经营的业务中断或受到干扰所致，而不能供应电、气或水是直接由于被保险人获得这些供应的发电站或公共供电单位分站的财产遭受的损失(本保险合同的定义)所致，则这项损失应视为被保险人在营业处所使用的财产遭受损坏所造成的损失。
但保险人对下列损失不负责任：政府、市政或地方当局或供应部门不是单纯为了保护人民生命安全或保障供应系统的其任何部分的有意行为所造成的任何损失，或上述任何当局或部门不是单纯出于供应单位的发电或供应设施，遭受所保风险造成损坏的需要，而行使其停止，限量或按配额供电、供气、供水的权力，因而造成的任何损失。
就上述扩展责任而言，对由于或归因于一种来源或原因所致的每项损失或一系列损失的赔偿期限如下：自发生损失之日起，至此后不迟于六十天为止并由于发生损失而营业受到影响的一段时间。
但除非每次停止供电、供气、供水持续二十四小时以上，否则保险人对由此而发生的任何损失不负责任。
保险人对上述每次停止供应的头二十四小时所遭受的任何损失也不负责任。
在任何起诉或诉讼中，如保险人认定，由于本条规定，损失或损坏不在本保险所保的范围以内，被保险人应负举反证的责任。
本条除上述规定外，其他均以本保险合同所载条款为准。
K06.遗失欠款账册条款兹约定，在本保险合同各项保险金额的限度以内，如果因本保险所承保的风险，保存在营业处所的应收未收账目的记录遗失，受毁或受损，保险人可以赔偿下列各项：(1)顾客应付被保险人的一切数额，但以被保险人因损失账册的直接后果，而不能收取这些欠款为限。
(2)因损失账册而必须支付的超过正常收款费用部分的费用。
(3)证明本扩展责任条款项下的任何索赔时必须支付审计师的合理费用。
但以被保险人能凭审计师的书面证明证实其损失的为限。
保险人在本扩展责任条款项下的最高赔偿责任，不能超过。
本扩展条款只适用于保险期内发生的应收未收账目记录灭失或损毁。
本条除上述规定外，其他均以本保险合同所载条款为准。
K07.恢复保险金额条款为了使本保险不因损失而减少保险金额，被保险人可对自发生损失之日起至保险期限终止日止就损失数额部分支付适当的额外保险费系恢复保险金额。
K08.每月预付赔款扩展条款如予要求，保险人在赔偿期间可以每月预付赔款。
K09.调整保险费条款被保险人如最迟在任何保险合同年度满期后六个月内声明，根据审计师(查账员)的证明，与任何保险期最接近同期的十二个月会计期间所赚得的毛利润少于所保保险金额，可按比例退还差额部分的保险费，但退还保费不得超过保险期内对此项保险金额所付保险费的三分之一。
如因任何意外事故而在本保险合同项下索赔，则上述保险费的退还，只限于非该意外事故所造成保额减少的那部分差额项下的保险费。
K10.保单取消条款谨此声明，在本保单下附加以下条款：本保单可在任何时候由被保险人申请取消，但被保险人必须书面通知保险人，保险费将根据短期费率标准或最低保费予以调整。
保险人欲取消保单时，须提前90天将书面取消通知送至被保险人最后为保险人所知之地址，保险费按照日数比例调整。
本保险合同所载其他条件不变。
K11.不得进入条款兹约定，依据本保险合同的条件，如果邻近营业处所的财产遭受（在此定义的）损坏，阻止或妨碍对营业处所的使用或进入，使营业中断或受到干扰，引起本保险合同所承保的损失，则不论营业处所或其内的被保险人财产是否遭受损坏，这项损失均应视作被保险人在营业处所使用的财产遭受损坏所引起的损失。
“赔偿期限为自损坏发生二十四小时起，至此后不迟于十二个月为止，由于发生损坏营业结果受到影响的一段时间。
”K12.承包商/供应商条款兹经双方同意并约定,由于被保险人的供应商处所或工程承包商在施工过程中发生本保单责任范围内的保险事故而造成财产损毁或损失,由此造成被保险人营业中断或受到干扰应视作等同于被保险人处所财产损毁而造成被保险人营业中断或受到干扰之损失。
保险期限内限额：K13.顾客/供应商/承包商条款兹经双方同意并约定,由于被保险人的供应商、顾客、委托加工企业处所或工程承包商施工过程中发生本保单责任范围内的保险事故而造成财产损毁或损失,由此造成被保险人营业中断或受到干扰应视作等同于被保险人处所财产损毁而造成被保险人营业中断或受到干扰之损失。
保险期限内限额：本保险合同所载其他条件不变。
K14.物质损失放弃免赔条款兹经双方同意并约定,若物质损失保单项下之损失低于免赔额，同意本保单不以下列条件为保险生效的先决条件：营业中断的损失赔偿须以在发生损失时，应有承保被保险人在上述处所的财产利益的物质损失的有效保险，并已在该保险项下取得赔款或已由保险人承认赔偿责任为基础。
K15.关闭营业处所/设施条款兹规定，依据本保险合同的条件，由于食物变质或被污染，遵照卫生主管当局的指示关闭营业处所/设施，使营业中断或受到干扰所引起的损失，不论营业处所或其内的被保险人财产是否遭受损坏，均应视作被保险人在营业处所使用的财产遭受损坏所引起的损失。
K16.审计师条款兹经双方同意，保险人为调查或核审赔案需要的被保险人账册或其它业务册或文件中的任何细节应由审计师产生，如果这对被保险人来说是定期行为，那么被保险人的报告应作为该相关报告细节的初步证据。
K17.通道受阻条款兹经双方同意，由于所保地点附近的财产遭受损坏而该损坏将阻碍被保人使用或堵塞所保地点的通道致使被保人营业中断或受到干扰，不论被保人财产有否遭受损失，保险人亦视作承保范围内的损失予以赔偿。
K18.炸弹恐吓条款 (只适用于财产利润损失险)兹经双方同意，本保险扩展承保由于被保险人遭受炸弹恐吓，不论被保险人财产有否遭受损失，因此需要从被保险地点撤走客人，导致营业中断或受干扰而遭受的损失。
K19.政府法令条款 (不超过连续10星期)兹经双方同意，由于发生财产一切险部分所保风险，直接导致政府当局颁令禁止到达或进入保险地点，致使被保险人业务中断或受到干扰而遭受的营业损失，本保单负责赔偿，但保险人赔偿责任以不超过连续10星期为限。
K20.营业费用增加条款本保险扩展承保营业费用增加的赔偿。
营业增加费用”是指被保险人在赔偿期间因保险损失发生后为维持正常的经营活动而增加支出合理的费用。
K21.相关性条款本保单扩展至承保被保险人在另一被保场所内的财产损失而导致业务中断而造成的损失，条件是提及的场所处于保单清单中。
本保险合同所载其它条件不变。
K22.累积存货条款在核算本保险中任何毛利润的索赔时，薪金核算应被计算在内，在赔偿期内被保险人对持有的已完成积累储藏物品的暂时性维持，和因此产生的赔偿期限终止后已完成物品的短缺。
本保险合同所载其它条件不变。
二、规范类G01.部门条款如被保险人业务是分部门经营而它们的经营成果是可独立确定的，则本保单中有关毛利润一项的条款将个别地应用于每一部门，但如上述一项的保险金额少于各部门(不论是否受损失事故所影响)毛利润率乘以其年度营业额(如最高赔偿期超过12个月时，以按比例增加的倍数计)所得的总和，赔偿金额将按比例减少。
G02.账目分类条款在决定哪些帐项应包含于清偿损失基础时，保险人同意以被保险人提供账目中该账项所登入之项目为准。
G03.会计师条款兹同意保险人为调查或核实本保险项下索赔所需被保险人会计账册或其它业务账册或文件中的任何事项或细节，可由被保险人的审计师提供，如适时其正为被保险人进行上述一类文件的定期工作，其会计报告将作为有关赔案的初步支持档。