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  • 107.03.19 美國國際保商字第1070000035號函備查


The buildings and contents declared to underwriters, which belong to the insured or for which the insured is legally responsible, are insured while at the named location(s) specified in the schedule against direct physical loss or physical damage, occurring during the period of insurance and caused by an act of terrorism, subject to the following terms, exclusions and conditions.


This insurance does not cover:
Loss, damage, cost or expense of whatsoever nature directly or indirectly occasioned by, happening through or in consequence of any of the following:

  1. Any act of terrorism involving the emission, discharge, dispersal, release or escape of any chemical or biological agent.
  2. Any threat or hoax of an act of terrorism.
  3. Any act of terrorism by electronic means including computer hacking or the introduction of any form of corrupting, harmful or otherwise unauthorised instructions or code.
  4. Pollution or contamination, however such pollution or contamination may have been caused.
  5. Vandalism and malicious mischief, strikes, labor unrest, riots or civil commotion.
  6. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power.
  7. Confiscation, nationalization, requisition or destruction of or damage to property by or under the order of any government or public or local authority.
  8. Nuclear reaction, nuclear radiation or radioactive contamination, however such nuclear reaction, nuclear radiation or radioactive contamination may have been caused.

Loss of market, loss of income, or loss of use except to the extent such coverage is provided hereunder by Loss of Income Extension specifically included for coverage under this policy. 

Depreciation, reduction in functionality, increased cost of working, theft, looting, mysterious disappearance or unexplained loss or any other consequential loss. 

Any building or property contained therein, if such building has been unoccupied for more than thirty consecutive days. 

Aircraft, watercraft, locomotives or rolling stock or vehicles designed for road use.

Transmission and distribution lines and their supporting structures outside of the named location. 

Any animal, plant or tree. 

Loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data. 

Any claim where, but for the existence of this insurance, the insured would be entitled to be paid under any other policy, except for any excess beyond the amount which wouldhave been covered under such other policy. 




  保險有效期間 應收全年保險費之百分比

一個月或以下者 25%

超過一個月以上至滿二個月者 35%

超過二個月以上至滿三個月者 45%

超過三個月以上至滿四個月者 55%

超過四個月以上至滿五個月者 65%

超過五個月以上至滿六個月者 70%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十一個月者 100%


If the insured cancels, that amount of the premium which has been earned by the insurer shall be computed in accordance with the customary short rate table and procedure, subject to a twenty five percent (25%) minimum earned amount; if the insurer cancels, the computation shall be on a pro-rata basis. Premium adjustment may be made as soon as practicable after cancellation becomes effective.