1. People's governments at all levels, health departments, civil affairs departments, financial departments or other government departments, enterprises, institutions or other legal person institutions may all be the insured and the insured of insurance contracts.
B this insurance includes property loss protection (limited to production enterprises), loss protection caused by suspension of business/production, etc. These are optional protections.
I. Protection of Property Losses
A. Insured property
Work-in-process in the address listed in the insurance contract refers to the products that have not been finalized by the production enterprise after the raw materials are put into production, specifically refers to the work-in-process in the production process, but does not include semi-finished products or round articles processed from the production line that can meet the warehousing standards.
B. Insurance liability
During the insurance period, when the insured engages in business activities in the address or area specified in the insurance policy, the employees of the insured or other relevant personnel specified in the insurance policy are diagnosed as being infected with the infectious diseases stipulated in the Law of People's Republic of China (PRC) on the Prevention and Control of Infectious Diseases by the disease prevention and control institutions or medical institutions designated by the administrative department of health, and isolation measures are taken according to the requirements of the competent government departments to interrupt the business of the insured, resulting in product losses. The insurance company compensated the insured for property losses according to the insurance contract.
C. Exemption from liability
The insurance company is not responsible for compensation for losses and expenses caused by the following reasons:
(1) Intention or gross negligence of the applicant, the insured and their representatives;
(2) War, similar acts of war, hostile actions, military actions, armed conflicts, strikes, riots, riots, coups, rebellions and terrorist activities;
(3) Nuclear radiation, nuclear fission, nuclear fusion, nuclear pollution and other radioactive pollution;
(4) Air pollution, land pollution, water pollution and other non-radioactive pollution;
(5) Before the insurance period begins or before the end of the observation period specified in the insurance policy, the insurance company will not be liable for compensation if the employees or other relevant personnel of the insured have confirmed cases or suspected cases of infectious diseases as stipulated in the Law of People's Republic of China (PRC) on the Prevention and Control of Infectious Diseases;
(6) Natural disasters or accidents.
(seven) the deductible agreed in the insurance contract or the deductible calculated according to the deductible agreed in this insurance contract.
Second, the suspension/closure of loss protection
I. Insurance liability
During the insurance period, when the insured engages in business activities in the address or area specified in the insurance policy, the employees of the insured or other relevant personnel specified in the insurance policy are diagnosed with infectious diseases stipulated in the Law of People's Republic of China (PRC) on the Prevention and Control of Infectious Diseases by the disease prevention and control institutions or medical institutions designated by the administrative department of health, and quarantine measures are taken according to the requirements of the competent government departments to interrupt the business of the insured, resulting in loss of employees' wages, isolation expenses or other related additional expenses stipulated in the insurance policy.
B. Exemption from liability
The insurance company is not responsible for compensating the following losses and expenses:
(1) The suspension of work/business of the insured refers to the situation that emergency measures such as restricting or stopping fairs, theatrical performances or other crowd gathering activities, suspension of work, suspension of business and suspension of classes are taken according to the announcement of the competent government department;
(2) Losses caused by natural disasters or accidents;
(three) losses caused by the expiration of the lease;
(four) the loss caused by the interruption of power supply, water supply and gas supply for any reason;
(5) Losses caused by the insured's suspension of business despite its business or production conditions;
(6) Loss of profits caused by any reason;
(seven) before the start of the insurance period or the end of the observation period stipulated in the policy, the insurance company shall not be liable for compensation if the employees of the insured or other relevant personnel stipulated in the policy have confirmed cases or suspected cases of infectious diseases stipulated in the Law of People's Republic of China (PRC) on the Prevention and Control of Infectious Diseases;
(8) The deductible agreed in the insurance contract or the deductible calculated according to the deductible agreed in the insurance contract.
★ In practice, according to the actual needs of the insured, the items listed in "exemption" can be expanded through additional clauses or special agreements to meet the insurance needs of the insured.
★ This insurance needs offline insurance-see-offline insurance processing flow for details.