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商品內容同上, 僅理賠定義有差異如下: 
*理賠注意事項: 本保險單為事故基礎,由事故發生當時之保單承保。

核准日期及文號

  • 97.01.15(97)邦保精字第0007號函備查
  • 98.11.23 (98)美亞保精字第0001號函備查
  • 102.03.04(102)美亞保精字第0030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
  • 106.01.20美國國際保商字第1060000004號函備查

承保範圍

COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY  
We will pay those sums that the insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” to which this insurance applies. 
(A - "身體傷害" 及 "財產損失" 之責任 
被保險人因本保險契約所載之承保事故,致使第三人受有"身體傷害"或"財產損失",依法應由被保險人負賠償責任時,本公司對被保險人負賠償之責。) 
COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY 
We will pay those sums that the insured becomes legally obligated to pay as damages because of “personal injury” or “advertising injury” to which this insurance applies. 
(B – "個人權益侵害" 及 "廣告侵權" 責任 
被保險人因本保險契約所載明之承保事故,致使第三人受有"個人權益侵害"或"廣告侵權",依法應由被保險人負賠償責任時,本公司對被保險人負賠償之責。) 
COVERAGE C. MEDICAL PAYMENTS 
We will pay medical expenses as described below for “bodily injury” caused by an accident:

  1. On premises you own or rent;
  2. On ways next to premises you own or rent; or
  3. Because of your operations;

(C – 醫療給付 
我們對於符合下述條件之意外事故所致之「身體傷害」產生之醫療給付負賠償責任:

  1. 發生於你所有或租用之處所者;
  2. 發生於與你所有或租用之處所相鄰道路上者;或
  3. 由於你所經營之業務所引起者。)

*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。
不保事項

COVERAGE A.- BODILY INJURY AND PROPERTY DAMAGE LIABILITY 
This insurance does not apply to:

  1. Expected or Intended Injury
  2. Contractual Liability
  3. Liquor Liability
  4. Workers’ Compensation and Similar Laws
  5. Employer’s Liability
  6. Pollution
  7. Aircraft, Auto or Watercraft
  8. Mobile Equipment
  9. War
  10. Damage to Property 
    “Property damage” to:
    • Property you own, rent or occupy;
    • Premises you sell, give away or abandon, if the “property damage” arises out of any part of those premises;
    • Property loaned to you;
    • Personal property in the care, custody or control of the insured;
    • That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the “property damage” arises out of those operations; or
    • That particular part of any property that must be restored, repaired or replaced because “your work” was incorrectly per­formed on it. 
      Paragraph (2) of this exclusion does not apply if the premises are “your work” and were never occupied, rented or held for rental by you. 
      Paragraphs (3), (4), (5) and (6) of this exclu­sion do not apply to liability assumed under a sidetrack agreement. 
      Paragraph (6) of this exclusion does not ap­ply to “property damage” included in the “products-completed operations hazard.”
  11. Damage to Your Product
  12. Damage to Your Work
  13. Damage to Impaired Property or Property Not Physically Injured.
  14. Recall of Products, Work or Impaired Property.

(承保範圍A - 「身體傷害」及「財產損失」之責任 
本保險契約對下列事項不負賠償之責:

  1. 預期或故意所致損失
  2. 契約責任
  3. 含酒精類飲料責任
  4. 勞工補償法律及其他類似法律
  5. 僱主責任
  6. 污染
  7. 航空器、車輛及船舶
  8. 機動設備
  9. 戰爭
  10. 對以下各項所造成之「財產損失」:
    • 由你所有、租用或佔用之財產;
    • 由你所出售、交付或廢棄之處所,且當該「財產損失」是由這些處所之任何部分所致者;
    • 由出借予你之財產所致者;
    • 由你照顧、保管或被保險人控制之個人財物所致者;
    • 不動產之特定部分,由你,或直接、間接代表你之承包商或次承包商對該不動產進行操作,且「財產損失」係由此類操作所致者;或
    • 由於「你的工作」對其不正確地履行,導致須修復、修理或重置任何財產之特定部分所致者。
    • 前述除外不保事項第(2)項不適用於該處所是「你的工作」對象,且從未被你佔用、出租或為出租之用而被佔據者。
    • 前述除外不保事項第(3)、(4)、(5)和(6)項不適用於鐵路側線協議中所承擔之責任。
    • 前述除外不保事項第(6)項不適用於「產品及完工責任風險」中之「財產損失」。
  11. 關於你的產品之損失
  12. 關於你的工作的損失
  13. 受損財物」或未受有形損害財物之損失
  14. 產品、工作或「受損財物」之回收)

COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY 
This insurance does not apply to:

  1. “Personal injury” or “advertising injury
  2. “Advertising injury” arising out of)
    • Breach of contract, other than misappropriation of advertising ideas under an implied contract;
    • The failure of goods, products or services to conform with advertised quality or performance;
    • The wrong description of the price of goods, products or services; or
    • An offense committed by an insured whose business is advertising, broadcasting, publishing or telecasting.
  3. Any loss, cost or expense arising our of any:
    • Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants; or
    • Claim or suit by or on behalf of a gov­ernmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treat­ing, detoxifying or neutralizing, or in any way responding to, or assessing the effects of pollutants. 
      Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

(承保範圍B – 個人權益侵害及廣告侵權責任 
本保險不適用於下列事項:

  1. 「個人權益侵害」 或「廣告侵權」
  2. 因下列事項所引起的「廣告侵權」:
    • 違約行為,但不包括默示契約下對廣告創意之剽竊;
    • 商品、產品或服務無法達到與廣告宣傳之品質與標準一致;
    • 對商品、產品或服務價格之錯誤描述;或
    • 從事廣告、傳播、出版或電視節目製播之被保險人所為之侵權行為。
  3. 因下列事項所導致之損失、費用或支出:
    • 被保險人被要求或被命令監控、清理、移除、裝盛、處理、去毒、中和污染物或對污染物作出反應或評估影響;或
    • 由於政府指示或要求由你監控、清理、移除、裝盛、處理、去毒、中和污染物所導致之損失,或肇因及對污染物作出反應或評估影響而引起之賠償請求或訴訟。 
      污染物係指任何固體的、液體的、氣體的或熱的刺激物或沾染物,包括煙、蒸汽、霧、煤煙、氣、酸、鹼、化學製品及廢棄物。廢棄物係指將被再循環使用、修整、回收之物質。)

COVERAGE C. MEDICAL PAYMENTS 
We will not pay expenses for “bodily injury”:

  1. To any insured.
  2. To a person hired to do work for or on behalf of any insured or a tenant of any insured.
  3. To a person injured on that part of premises you own or rent that the person normally occupies.
  4. To a person, whether or not an “employee” of any insured, if benefits for the “bodily injury” are payable or must be provided under a workers compensation or disability benefits law or a similar law.
  5. To a person injured while taking part in athletics.
  6. Included within the “products-completed opera­tions hazard.”
  7. Excluded under Coverage A
  8. Due to war, whether or not declared, or any act or condition incident to war. War includes civil war, insurrection, rebellion or revolution.

(承保範圍C – 醫療給付 
我們對以下列各項之「身體傷害」所產生之費用不負賠償之責:

  1. 任何被保險人本人之身體傷害。
  2. 任何為被保險人工作之受僱人或代表、或任何被保險人之承租人之身體傷害。
  3. 在你所有或租用之某一處所遭受傷害之人之身體傷害,且該處所通常係由該受害人所佔用使用。
  4. 若依據勞工補償法、殘障福利法或其他類似法律,對受害人之「身體傷害」可提供或必須提供補償者之身體傷害,無論該受害人是否為任何被保險人之受僱人。
  5. 因體育運動所造成之「身體傷害」。
  6. 已包含於「產品及完工責任風險」中之責任。
  7. 為承保範圍A項之不保事項者。
  8. 由戰爭—無論宣戰與否,或由於戰爭帶來之任何行為或狀況。戰爭包括内戰、暴動、叛亂或革命。)

*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: 7.6%~39.6%

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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