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簡介

完整承保企業在執行施作工程項目,對第三人造成人身傷害和財物損失方面而應承擔的法律責任。 

公共意外責任

初次發生在保險期間且在承保之施工區域內,若被保險人因在被保險施工場所內從事被保險工程業務過程中發生事故,就他人之身體傷害或財產損害,則本公司按照本保險合約負責補償被保險人因此依法應承擔之賠償金額(賠償金額應包括依前述法律裁判由被保險人承擔的訴訟費用。)

產品責任

本公司將以承保明細所載賠償限額為限,補償被保險人依法應付之賠償金額(上述賠償金額應包括依前述法律裁判由被保險人承擔的訴訟費用),該賠償金額係包括:身體傷害;或財產損害。

污染責任

若被保險人完全因在被保險施工處所內從事承保工程過程中,由於發生污染造成以下損失,本公司對於累積任一保險期間內的所有損失,按照本承保明細的約定,以所相應賠償限額為限,負責補償被保險人因此依據適用法律應承擔的賠償金額(賠償金額應包括依前述法律裁判由被保險人承擔的訴訟費用。) 

在保險期間內於被保險施工處所內首次發生之身體傷害及財產損失;被保險人根據司法管轄區域適用的環保法律法規的規定,為控制污染物擴散,或者對污染物進行測試、監測、清理、遷移、儲存、處理、除毒、中和或以任何方式對污染物或其造成的影響採取應對措施而支出的必要且合理的清污費用,本公司按照本保險合約負責賠償。

保障內容

核准日期及文號

  • 104.03.31(104)美亞保字第0079號函備查
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍

SECTION A - PUBLIC LIABILITY 

1. INDEMNITY  

    The Insurer will indemnify the Insured for all sums which the Insured shall become legally liable  
    to pay by way of compensation (including claimants’ costs, fees and expenses) in respect of:  

    1.1 Bodily Injury; and/or  
    1.2 Property Damage  

    first happening during the Policy Period within the Premises as a result of an Occurrence in  
    connection with the Insured’s Business specified in the Schedule.  

    Provided that the action for compensation is brought against the Insured within the Policy     
    Territory and is subject to the Policy Jurisdiction. 

A-公共意外責任 

1. 保險責任  

    初次發生在保險期間且在承保之施工區域內,若被保險人因在被保險施工場所內從事被保險工程業務過程中發生事故,就他人之身體傷害或財產損害,則本公司按照本保險合約負責補償被保險人因此依法應承擔之賠償金額(賠償金額應包括依前述法律裁判由被保險人承擔的訴訟費用。)  

    前述損害賠償請求以保單承保區域內提出為前提,並以保單承保區域為法律管轄區。 

SECTION B - POLLUTION LIABILITY 

1. INDEMNITY  

    The Insured is indemnified by this Section solely with regard to Pollution in connection with the Insured’s Business in and on the Insured’s Premises. Provided the total aggregate liability for all claims covered in any one Policy Period shall not exceed the Limit of Liability stated in the Schedule.  

    The Insurer will indemnify the Insured for all sums which the Insured shall become legally liable to pay by way of compensation (including claimant’s costs, fees and expenses) in respect of:  

    1.1 Bodily Injury and/or Property Damage first happening during the Policy Period in and on the Insured’s Premises;  
    1.2 any necessary and reasonable clean-up expenses arising out of any statutory requirement that the Insured controls the spread of Pollutants or to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize or in any way respond to Pollutants or their effect;  
    1.3 any necessary and reasonable emergency response expenses incurred in response to Pollution for the purpose of saving the life of a third party and/or preventing or minimizing Property Damage to the third party; but only to the extent that the Insured can demonstrate that such Pollution:  
          a. was the direct result of a sudden, accidental, specific, identifiable, unexpected and unintended event which takes place in its entirety at a specific time and place during the Policy Period; and  
          b. was not the direct result of the Insured failing to take reasonable precautions to prevent such Pollution; and  
          c. is physically evident to the Insured or other parties within 72 hours of the beginning of the Pollution; and  
          d. has caused Bodily Injury and/or Property Damage which ensued within 72 hours of the beginning of the Pollution.  

    In the event of such Occurrence as above, the Insured must report the Occurrence to the Insurers in writing as soon as practicable but not later than 30 days from the commencement of the Pollution.  

    If the Insured and the Insurer should disagree as to when the Pollution begins or becomes evident, until an agreement is reached between the Insured and the Insurer, the Insurer may, but is not obligated, to defend any claim relevant to such Pollution. 

1. 保險責任  
    若被保險人完全因在被保險施工處所內從事承保工程過程中,由於發生污染造成以下損失,本公司對於累積任一保險期間內的所有損失,按照本承保明細的約定,以所相應賠償限額為限,負責補償被保險人因此依據適用法律應承擔的賠償金額 (賠償金額應包括依前述法律裁判由被保險人承擔的訴訟費用。)  

    1.1 在保險期間內於被保險施工處所內首次發生之身體傷害及財產損失;  
    1.2 被保險人根據司法管轄區域適用的環保法律法規的規定,為控制污染物擴散,或者對污染物進行測試、監測、清理、遷移、儲存、處理、除毒、中和或以任何方式對污染物或其造成的影響採取應對措施而支出的必要且合理的清污費用,本公司按照本保險合約負責賠償。  
    1.3 被保險人為了救治第三人之生命,避免或者減少財產損害發生,對污染採取應對措施而支出的必要且合理的緊急施救費用,本公司按照本保險合約約定負責賠償;  

    但僅只於被保險人能顯示該汙染事件符合以下的條件:  

     a. 該污染期間在保險期間內,且直接因突發的、意外的、具體的、可識別的、不可預見的、非故意的事件所導致;  
     b. 直接因被保險人未採取合理預防措施所導致;  
     c. 對於被保險人或其他方而言,污染自發生之時起72小時內出現明顯的狀況;  
     d. 自發生之時起72小時內造成身體傷害或財產損害。  

    如果發生上述污染,被保險人必須儘快以書面形式通知本公司,最遲不得晚於污染發生之日起30天。  

    如果被保險人和本公司對污染的發生時間或出現明顯污染狀況的時間存有爭議,在雙方達成一致意見前,本公司有權利但無義務對與此污染相關的賠償請求進行抗辯。 

SECTION C - PRODUCTS LIABILITY 

1. INDEMNITY  
    The Insurer will indemnify the Insured for all sums which the Insured shall become legally liable to pay by way of compensation (including claimant’s costs, fees and expenses) in respect of:  

    1.1 Bodily Injury; and/or   
    1.2 Property Damage,  

    first happening during the Policy Period within the Policy Territory as a result of an Occurrence solely because of the Insured’s Product. Provided the total aggregate liability for all claims covered in any one Policy Period shall not exceed the Limit of Liability stated in the Schedule.  

    Provided further that the action for compensation is brought against the Insured within the Policy Territory and is subject to the Policy Jurisdiction. 

C-產品責任 

1. 承保責任  
    本公司將以承保明細所載賠償限額為限,補償被保險人依法應付之賠償金額(上述賠償金額應包括依前述法律裁判由被保險人承擔的訴訟費用),該賠償金額係包括:  
     
    1.1 身體傷害;或  
    1.2 財產損害,  

    首次發生於保險期間內以及承保區域內,且完全肇因於被保險產品及施工項目,上述第三人所提之求償行動之地點僅限於保單承保地區,並以對保單擁有司法管轄權之法院為準。 

不保事項


SECTION A - PUBLIC LIABILITY 

This Section does not cover liability: 

2.1 arising out of the ownership, possession or use of any motor vehicle or trailer by or on behalf of the Insured, other than claims:  

      2.1.1 caused by the use of any tool or plant forming part of or attached to or used in connection with any motor vehicle or trailer;  
      2.1.2 arising beyond the limits of any carriageway or thoroughfare caused by the loading or unloading of any motor vehicle or trailer;  
      
       provided always that no indemnity is granted against liability compulsorily insurable by legislation or for which the government or other authority has accepted responsibility.  

       Provided that this Policy excludes any Property Damage to property being transported by the Insured.  

    2.2 arising out of the ownership, possession or use by or on behalf of the Insured of any aircraft.  

    2.3 arising out of, or directly or indirectly caused by or contributed to by fuelling, defuelling and refueling of aircraft.  

    2.4 arising out of the ownership, maintenance, operation, possession or use by or on behalf of the Insured of any watercraft exceeding 8 meters in length, other than claims arising out of any loading and unloading of any watercraft at Premises owned, leased or controlled by the Insured.  

          Provided that this Policy excludes pilotage and demurrage, unless otherwise stated by a specific endorsement to this Policy.  

    2.5 for and/or arising out of Property Damage to property owned, leased, hired by or under hire purchase or on loan to the Insured or otherwise in the Insured’s care custody or control other than:  

          2.5.1 property owned by others but in the temporary care, custody or control of the Insured due to work yet to be commenced;  
          2.5.2 personal effects owned by employees and visitors of the Insured;  
          2.5.3 liability assumed by the Insured in respect of any Property Damage to its leased premises, in the absence of any contract or agreement.  

          Provided that the liability of the Insurer shall be sub-limited to US$250,000 any one Occurrence and in the aggregate.  

    2.6 arising out of the Insured's failure to supply gas, oil, electricity, chemicals, products, materials or services or from fluctuations in supply of any gas, oil, electricity, chemicals, products, materials or services.  

    2.7 arising out of Pollution or in connection with any Product. 

A-公共意外責任 

本承保範圍不承保以下事項: 

2.1 因被保險人或其代表人所有、佔有或使用任何機動車輛或拖車所引起的任何賠償責任,但本項責任免除條款不適用於因下列任何一項引起的賠償責任:  

      2.1.1使用任何機動車輛或拖車可單獨操作的附屬施工機具設備;  
      2.1.2於任何行車道或幹線道路外所進行之裝載或卸載任何機動車輛或拖車。  

儘管有上述之規定,本公司不承保任何依法應由強制保險所承保的賠償責任,或由政府或其他機構承擔的賠償責任,以及被保險人因其運送的財物發生任何財產損害而依法承擔的任何賠償責任。 

2.2 因被保險人或其代理人所有、佔有或使用任何航空器所引起的任何賠償責任; 

2.3 直接或間接因航空器加油、卸油或重新加油所致的任何賠償責任; 

2.4 因被保險人或其代理人所有、維護、操作、佔有或使用長度超過8米的船舶所引起的任何賠償責任,但本項除外條款不適用於在被保險人所有、租賃或控制的被保險施工處所內進行任何船舶裝載或卸載作業所引起的任何賠償責任。除保單另有約定,本保單除外領航費及滯留費。 

2.5 因被保險人所有、租用、借用、分期付款或融資租賃的財物或因其它情形而照顧、監管、控制的財物發生任何財產損害所引起的或導致的任何賠償責任,但下列情形除外;  

     2.5.1 被保險人因尚待開始工作而需暫時照顧、監管、控制他人所有的財產;  
     2.5.2 被保險人的員工和訪客所有的個人財物  
     2.5.3 不存在任何合約或協議的情形下,被保險人依照法律規定仍要就其租賃的場所本身的財產損害所承擔的賠償責任。  

    本公司在上述不適用本項責任免除條款的情形下所承擔的賠償責任最高以每次事故/保險期間累計美金250,000元為限。 

2.6 因被保險人未能供應任何天然氣、石油、電力、化學品、產品、材料、服務或供應前述事項過程中因不穩定所引起的任何賠償責任; 

2.7 被保險人因污染或被保險產品及施作相關所引起的賠償責任。 

SECTION B - POLLUTION LIABILITY 

This Section is subject to the Exclusions of Sections A, C and E, and also does not cover liability for and/or arising out of: 

2.1 damage to Premises which is presently or was at any time previously owned or  tenanted by the Insured. 

2.2 damage to land or water within or below the boundaries of any land or Premises which is presently or was at any time previously owned or leased by the Insured or otherwise in the Insured’s care, custody or control. 

2.3 the alleged or threatened discharge, dispersal, release, seepage, migration or escape of Pollutants. 

2.4 the actual, alleged or threatened discharge, dispersal, release, seepage, migration or escape of Pollutants caused by any Product that has been discarded, dumped, abandoned or thrown away by others. 

2.5 any loss, cost or expense arising out of any claim or suit by or on behalf of any governmental authority for compensation because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing or in any way responding to, or assessing the effects of Pollutants. 

However, this exclusion does not apply to liability for compensation that the Insured would have under “1. Indemnity” of this Section B, in the absence of such request, demand, order or statutory or regulatory requirement for such claim or suit by or on behalf of a governmental authority. 

B-污染責任 

本保險條款適用承保範圍A,C及E之除外事項,及不承保以下起因於以下之損害賠償請求: 

2.1 因被保險人現在或曾經所有或租用的被保險施工處所發生任何損害所引起的賠償責任。 

2.2 因被保險人現在或曾經所有、租用或因其它情形而照顧、監管、控制的任何承保土地或施工處所的邊界以內或下方的土壤或水發生任何損害所引起的賠償責任; 

2.3 因污染物即將發生或被指稱發生排放、擴散、釋放、滲漏、遷移或溢漏而產生的任何費用或責任。 

2.4 因他人丟棄、傾倒、遺棄或拋棄的產品導致的污染物實際發生、即將發生或被指稱發生排放、擴散、釋放、滲漏、遷移或洩露所引起的任何賠償責任。 

2.5 政府機構或有關組織因對污染物進行測試、監測、清理、遷移、儲存、處理、除毒、中和或以任何方式採取應對措施,或對污染物的影響進行評估導致損失而提出索賠或訴訟,從而引起的任何成本、費用和支出。 

然而如果被保險人在政府機構或有關組織未提出索賠或訴訟的情況下,仍應在本條項下承擔賠償責任時,則本項責任免除條款不適用。 

SECTION C - PRODUCTS LIABILITY 

This Section does not cover liability: 

2.1 for and/or arising out of Property Damage to any Product or part thereof. 

2.2 for costs or expenses incurred in the withdrawal, inspection, repair, reconditioning, modification or replacement of any Product or part thereof and/or any financial loss consequent upon the necessity for such withdrawal, inspection, repair, reconditioning, modification or replacement. 

2.3 arising out of the recall, including any costs or expenses incurred or claimed, of any Product or part thereof. 

2.4 arising out of any Product which, with the Insured’s knowledge is intended for incorporation into the structure, machinery or controls of any aircraft. 

2.5 arising out of any pharmaceuticals or medical drugs, products, substances and/or devices. 

2.6 arising out of the failure of any of the Insured's Product or of any Product of which the Insured's  Product forms a part, to perform its intended function correctly or as per its specifications. 

C-產品責任 

本承保範圍不承保以下之責任: 

2.1 因任何產品或施工項目或其組成部分本身發生財產損害所引起的任何賠償責任。 

2.2 因回收、檢驗、修理、翻新、改良或更換任何產品或施工項目或其組成部分所產生的費用支出,以及因此導致的經濟損失所引起的任何賠償責任。 

2.3 因召回任何產品或施工項目或其組成部分導致費用支出所引起的任何賠償責任。 

2.4 因被保險人知悉用於併入航空器的結構、機械或控制部件中的任何產品或施工項目所引起的任何賠償責任。 

2.5 因任何製藥或醫療方面的藥物、產品、物質、器械所引起的任何賠償責任。 

2.6 因任何被保險人的產品或含有前述產品的產品或施工項目未能達到預期功能或說明書所述功能所引起的任何賠償責任。 

*本保險單為英文保單,中文節譯僅供參考,應以英文條款內容為準。

銷售予金融消費者之保險商品預定附加費用率: 平均40.7%

短期費率表

凡保險期間未滿一年或投保後終止保險契約者,應按下列百分比計收保險費。

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  保險有效期間 應收全年保險費之百分比

一個月或以下者 15%

超過一個月以上至滿二個月者 25%

超過二個月以上至滿三個月者 35%

超過三個月以上至滿四個月者 45%

超過四個月以上至滿五個月者 55%

超過五個月以上至滿六個月者 65%

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%

超過十個月以上至十一個月者 95%

超過十一個月以上者 100%

保費退費係數表

  1. 被保險人於投保後要求終止保險契約者,其未滿期之保險費,本公司依全年保費扣除已滿期之保險費後退還之。 已滿期之保險費應按短期費率表計算)。
  2. 本公司依規定終止保險契約時,其未滿期之保險費,按未滿期日數比例退還之。

理賠申請文件及程序

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