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CONSTRUCTION ALL RISKS CLAUSES 一、第一部分物質(zhì)損失 Ⅰ. SECTION Ⅰ-MATERIAL DAMAGE （一）保險(xiǎn)責(zé)任?.Coverage? 1、在本保險(xiǎn)期限內(nèi)，若本保險(xiǎn)單明細(xì)表中分項(xiàng)列明的保險(xiǎn)財(cái)產(chǎn)在列明的工地范圍內(nèi)，因本保險(xiǎn)單除外責(zé)任以外的任何自然災(zāi)害或意外事故造成的

CONSTRUCTION ALL RISKS CLAUSES

一、第一部分物質(zhì)損失    Ⅰ. SECTION Ⅰ-MATERIAL DAMAGE
（一）保險(xiǎn)責(zé)任?.Coverage?

1、在本保險(xiǎn)期限內(nèi)，若本保險(xiǎn)單明細(xì)表中分項(xiàng)列明的保險(xiǎn)財(cái)產(chǎn)在列明的工地范圍內(nèi)，因本保險(xiǎn)單除外責(zé)任以外的任何自然災(zāi)害或意外事故造成的物質(zhì)損壞或滅失（以下簡(jiǎn)稱“損失”），本公司按本保險(xiǎn)單的規(guī)定負(fù)責(zé)賠償。?
1.1 The Company shall indemnify the Insured in respect of the physical loss of or damage to the property insured during the period of insurance within the specified work-site arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded, in the manner and to the extent hereinafter provided.?

2、對(duì)經(jīng)本保險(xiǎn)單列明的因發(fā)生上述損失所產(chǎn)生的有關(guān)費(fèi)用，本公司亦可負(fù)責(zé)賠償。?
1.2 The Company shall also indemnify the Insured for the necessary cost specified in the Schedule and incurred following upon any event giving rise to a claim under this Policy.?

3、本公司對(duì)每一保險(xiǎn)項(xiàng)目的賠償責(zé)任均不得超過(guò)本保險(xiǎn)單明細(xì)表中對(duì)應(yīng)列明的分項(xiàng)保險(xiǎn)金額以及本保險(xiǎn)單特別條款或批單中規(guī)定的其他適用的賠償限額。但在任何情況下，本公司在本保險(xiǎn)單項(xiàng)下承擔(dān)的對(duì)物質(zhì)損失的最高賠償責(zé)任不得超過(guò)本保險(xiǎn)單明細(xì)表中列明的總保險(xiǎn)金額。?
1.3 The liability of the Company in respect of each item insured shall not exceed the sum set opposite thereto specified in the Schedule nor the limit of indemnity specified in the Special Provisions or Endorsements where applicable. But in no case shall the maximum indemnity liability of the Company in respect of material damage under this section exceed the total sum insured specified in the Schedule.?

定義?DEFINITIONS?
自然災(zāi)害：?指地震、海嘯、雷電、颶風(fēng)、臺(tái)風(fēng)、龍卷風(fēng)、風(fēng)暴、暴雨、洪水、水災(zāi)、凍災(zāi)、冰雹、地崩、山崩、雪崩、火山爆發(fā)、地面下陷下沉及其他人力不可抗拒的破壞力強(qiáng)大的自然現(xiàn)象。
意外事故：?指不可預(yù)料的以及被保險(xiǎn)人無(wú)法控制并造成物質(zhì)損失或人身傷亡的突發(fā)性事件，包括火災(zāi)和爆炸。
The words “NATURAL HAZARDS”shall for the purpose of this Policy, mean earthquake, tsunami, thunder-and-lightning, hurricane, typhoon, tornado, storm, tempest, flood, inundation, frost, hailstorm, landslide, rockslide, avalanche, volcanic explosion, subsidence of ground and any other phenomena of nature with strong destructive power and beyond human control.?
The Word "ACCIDENT" shall for the purpose of this Policy, mean any unforeseen, uncontrollable and sudden occurrence event which leads to material damage or bodily injury, including fire and explosion.?

（二）除外責(zé)任?. Exclusions?
本公司對(duì)下列各項(xiàng)不負(fù)責(zé)賠償：The Company shall not be liable for:?
?
1、設(shè)計(jì)錯(cuò)誤引起的損失和費(fèi)用；?loss or damage and expenses arising from faulty design;?
2、自然磨損、內(nèi)在或潛在缺陷、物質(zhì)本身變化、自燃、自熱、氧化、銹蝕、滲漏、鼠咬、蟲蛀、大氣（氣候或氣溫）變化、正常水位變化或其他漸變?cè)蛟斐傻谋ｋU(xiǎn)財(cái)產(chǎn)自身的損失和費(fèi)用；?
loss of or damage to the insured property itself or expenses arising therefrom due to wear and tear, inherent or latent defect, change in substance, spontaneous combustion, natural heating, oxidation, rust and corrosion, leakage, mice, insects or vermin, change in atmosphere, （climatic or temperature）conditions, change in normal water level or any other progressively operating cause;?
3、因原材料缺陷或工藝不善引起的保險(xiǎn)財(cái)產(chǎn)本身的損失以及為換置、修理或矯正這些缺點(diǎn)錯(cuò)誤所支付的費(fèi)用；?
loss of or damage to the insured property itself due to defective material or bad workmanship and expenses incurred for replacing, repairing or rectifying such defects or mistakes;?

4、非外力引起的機(jī)械或電氣裝置的本身?yè)p失，或施工用機(jī)具、設(shè)備、機(jī)械裝置失靈造成的本身?yè)p失；?
loss of or damage to the insured mechanical or electrical devices not due to exterior forces; loss or damage due to breakdown or derangement of engineering tools, equipment or mechanical devices;?
5、維修保養(yǎng)或正常檢修的費(fèi)用；?expenses of maintenance or upkeep or normal overhaul;?
6、檔案、文件、帳薄、票據(jù)、現(xiàn)金、各種有價(jià)證券、圖表資料及包裝物料的損失；?
loss of or damage to files, documents, account books, bills, cash, securities, charts, data and packing materials;?

7、盤點(diǎn)時(shí)發(fā)現(xiàn)的短缺；?shortage discovered at the time of taking an inventory;?
8、領(lǐng)有公共運(yùn)輸行駛執(zhí)照的，或已由其他保險(xiǎn)予以保障的車輛、船舶和飛機(jī)的損失；
loss of or damage to vehicles,ships or aircraft licensed for general transport use or having been covered by any other insurance;?

9、除非另有約定，在保險(xiǎn)工程開始以前已經(jīng)存在或形成的位于工地范圍內(nèi)或其周圍的屬于被保險(xiǎn)人的財(cái)產(chǎn)的損失；?
unless otherwise agreed by the Company in writing loss of or damage to the property belonging to the Insured which is existing or formed within or in the vicinity of the site before the commencement of the contract work;?

10、除非另有約定，在本保險(xiǎn)單保險(xiǎn)期限終止以前，被保險(xiǎn)財(cái)產(chǎn)中已由工程所有人簽發(fā)完工驗(yàn)收證書或驗(yàn)收合格或?qū)嶋H占有或使用或接收的部分。?
unless otherwise agreed by the Company in writing loss of or damage to any part or parts of the property insured for which a certificate of completion has been issued or which have been tested after completion or actually occupied or put into service or taken over by the Principal before the expiry date of this Policy.?

二、第二部分第三者責(zé)任險(xiǎn)Ⅱ. SECTION Ⅱ-THIRD PARTY LIABILITY
（一）責(zé)任范圍.Coverage?
1、在本保險(xiǎn)期限內(nèi)，因發(fā)生與本保險(xiǎn)單所承保工程直接相關(guān)的意外事故引起工地內(nèi)及鄰近區(qū)域的第三者人身傷亡、疾病或財(cái)產(chǎn)損失，依法應(yīng)由被保險(xiǎn)人承擔(dān)的經(jīng)濟(jì)賠償責(zé)任，本公司按下列條款的規(guī)定負(fù)責(zé)賠償。?
The Company shall in the manner hereinafter provided indemnify the Insured against such sums which the Insured shall become legally liable to pay as damages in respect of death of or bodily injury to or illness of third parties, or loss of or damage to property belonging to third parties in consequence of an accident occurring in direct connection with the performance of the contract work insured and happening on or in the vicinity of the site during the period of insurance.?

2、對(duì)被保險(xiǎn)人因上述原因而支付的訴訟費(fèi)用以及事先經(jīng)本公司書面同意而支付的其他費(fèi)用，本公司亦負(fù)責(zé)賠償。?
In respect of any claim covered under this Section, the Company shall in addition indemnify the Insured against the relevant legal costs payable by the Insured and other expenses incurred with the prior written consent of the Company.?

3、本公司對(duì)每次事故引起的賠償金額以法院或政府有關(guān)部門根據(jù)現(xiàn)行法律裁定的應(yīng)由被保險(xiǎn)人償付的金額為準(zhǔn)。但在任何情況下，均不得超過(guò)本保險(xiǎn)單明細(xì)表中對(duì)應(yīng)列明的每次事故賠償限額。在本保險(xiǎn)期限內(nèi)，本公司在本保險(xiǎn)單項(xiàng)下對(duì)上述經(jīng)濟(jì)賠償?shù)淖罡哔r償責(zé)任不得超過(guò)本保險(xiǎn)單明細(xì)表中列明的累計(jì)賠償限額。?
The indemnification made by the Company for any one accident shall be subject to the amounts to be payable by the Insured which are decided in accordance with law by the court or the governmental department concerned. Provided always that the liability of the Company under this section shall in no case exceed the limits of indemnity for any one accident stated in the Schedule, and during the whole period of insurance, the maximum liability of the Company under this section shall in no case exceed the limit of indemnity in aggregate as stated in the Schedule.?

（二）除外責(zé)任?Exclusions
本公司對(duì)下列各項(xiàng)不負(fù)責(zé)賠償：?The Company shall not be liable for:?
1、本保險(xiǎn)單物質(zhì)損失項(xiàng)下或本應(yīng)在該項(xiàng)下予以負(fù)責(zé)的損失及各種費(fèi)用；
loss or damage and expenses covered or coverable under Section I of this Policy;?
?
2、由于震動(dòng)、移動(dòng)或減弱支撐而造成的任何財(cái)產(chǎn)、土地、建筑物的損失及由此造成的任何人身傷害和物質(zhì)損失；?
loss of or damage to any property, land or structure caused by vibration or by removal or weakening of support and injury or damage to any person or property occasioned by or resulting from any such loss or damage;?

3、1）工程所有人、承包人或其他關(guān)系方或他們所雇用的在工地現(xiàn)場(chǎng)從事與工程有關(guān)工作的職員、工人以及他們的家庭成員的人身傷亡或疾??；?
death of or bodily injury to or illness of the Principal（s） or the Contractor（s） or any other party（ies）or their employees or workmen engaged in connection with the contract work on the site, or members of their families;?

2）工程所有人、承包人或其他關(guān)系方或他們所雇用的職員、工人所有的或由其照管、控制的財(cái)產(chǎn)發(fā)生的損失；?
loss of or damage to property belonging to or held in care, custody or control of the Principal（s） or the Contractor（s） or any other party（ies） concerned or their employees or workmen;?

3）領(lǐng)有公共運(yùn)輸行駛執(zhí)照的車輛、船舶、飛機(jī)造成的事故；?
any accident caused by vehicles, ships or aircraft licensed for general transport use;

4）被保險(xiǎn)人根據(jù)與他人的協(xié)議應(yīng)支付的賠償或其他款項(xiàng)，但即使沒有這種協(xié)議，被保險(xiǎn)人仍應(yīng)承擔(dān)的責(zé)任不在此限。?
indemnification or payment made by the Insured in accordance with any agreement between the Insured and other parties, unless such liability would have been attached to the Insured notwithstanding such agreement.?

三、總除外責(zé)任 Ⅲ. GENERAL EXCLUSIONS
在本保險(xiǎn)單項(xiàng)下，本公司對(duì)下列各項(xiàng)不負(fù)責(zé)賠償：?
The Company shall not indemnify the Insured under this Policy in respect of loss, damage, expenses, or liability directly or indirectly caused by or arising out of or aggravated by:?

（一）1、戰(zhàn)爭(zhēng)、類似戰(zhàn)爭(zhēng)行為、敵對(duì)行為、武裝沖突、恐怖活動(dòng)、謀反、政變引起的任何損失、費(fèi)用和責(zé)任；?
war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d’etat;?
2、政府命令或任何公共當(dāng)局的沒收、征用、銷毀或毀壞；?
confiscation, requisition, destruction or damage by any action or order of any government de jure or de facto or by any public authorities;?

3、罷工、暴動(dòng)、民眾騷亂引起的任何損失、費(fèi)用和責(zé)任；?strike, riot,civil commotion;?

（二）被保險(xiǎn)人及其代表的故意行為或重大過(guò)失引起的任何損失、費(fèi)用和責(zé)任；?
intentional act or gross negligence of the Insured or his representative;?

（三）核裂變、核聚變、核武器、核材料、核輻射及放射性污染引起的任何損失、費(fèi)用和責(zé)任；?
nuclear fission, nuclear fusion, nuclear weapon, nuclear material,nuclear radiation and radioactive contamination;?

（四）大氣、土地、水污染及其他各種污染引起的任何損失、費(fèi)用和責(zé)任；?
pollution of any kind or description whatsoever such as atmosphere, land and water pollutions;?

（五）工程部分停工或全部停工引起的任何損失、費(fèi)用和責(zé)任；?
cessation of work whether total or partial;?

（六）罰金、延誤、喪失合同及其他后果損失；?
consequential loss of any kind or description whatsoever including penalties, losses due to delay or loss of contract;?

（七）保險(xiǎn)單明細(xì)表或有關(guān)條款中規(guī)定的應(yīng)由被保險(xiǎn)人自行負(fù)擔(dān)的免賠額。?
the deductibles stated in the Schedule to be borne by the Insured.?

四、保險(xiǎn)金額   Ⅳ. SUM INSURED
（一）本保險(xiǎn)單明細(xì)表中列明的保險(xiǎn)金額應(yīng)不低于：?
It is a basic requirement of this insurance that the sums insured stated in the Schedule shall not be less than:?

1、建筑工程——保險(xiǎn)工程建筑完成時(shí)的總價(jià)值，包括原材料費(fèi)用、設(shè)備費(fèi)用、建造費(fèi)、安裝費(fèi)、運(yùn)輸費(fèi)和保險(xiǎn)費(fèi)、關(guān)稅、其他稅項(xiàng)和費(fèi)用，以及由工程所有人提供的原材料和設(shè)備的費(fèi)用；?
For contract work-the full value of the insured project at the completion of the construction including cost of equipments, materials, construction and erection, freight and premium, customs duty, any other dues and expenses, and the cost of materials or equipments supplied by the Principal;?

2、施工用機(jī)器、裝置和機(jī)械設(shè)備——重置同型號(hào)、同負(fù)載的新機(jī)器、裝置和機(jī)械設(shè)備所需的費(fèi)用；?
For construction plant and equipment-the replacement cost of the insured items by new ones of the same size and same capacity;?

3、其他保險(xiǎn)項(xiàng)目——由被保險(xiǎn)人與本公司商定的金額。?
For other Items Insured-the sums agreed upon between the Insured and the Company.?

（二）若被保險(xiǎn)人是以保險(xiǎn)工程合同規(guī)定的工程概算總造價(jià)投保，被保險(xiǎn)人應(yīng)：?
If the sum insured in respect of contract work is based on the estimated contract value stated in the construction contract, the Insured shall:?

1、在本保險(xiǎn)項(xiàng)下工程造價(jià)中包括的各項(xiàng)費(fèi)用因漲價(jià)或升值原因而超出原保險(xiǎn)工程造價(jià)時(shí)，必須盡快以書面通知本公司，本公司據(jù)此調(diào)整保險(xiǎn)金額；?
immediately notify the Company in writing if the contract value including all expenses under this insurance exceeds the original insured contract value due to rise in price or increment,and the Company shall then adjust the sum insured accordingly;?

2、在保險(xiǎn)期限內(nèi)對(duì)相應(yīng)的工程細(xì)節(jié)作出精確記錄，并允許本公司在合理的時(shí)候?qū)υ擁?xiàng)記錄進(jìn)行查驗(yàn)；?
keep a precise record in writing on the particulars of the work concerned during the period of insurance and allow the representative of the Company to inspect and examine such record at any reasonable time;?

3、若保險(xiǎn)工程的建造期超過(guò)三年，必須從本保險(xiǎn)單生效日起每隔十二個(gè)月向本公司申報(bào)當(dāng)時(shí)的工程實(shí)際投入金額及調(diào)整后的工程總造價(jià)，本公司將據(jù)此調(diào)整保險(xiǎn)費(fèi)；?
if the construction period of the insured project is longer than thirty?six（36） months, declare to the Company at an interval of every twelve （12） months from the inception date of the policy ,the actual amount of fund put into the project by the time of declaration as well as the new estimate contract value, if it is revised the Company shall adjust the premium accordingly;?

4、在本保險(xiǎn)單列明的保險(xiǎn)期限屆滿后三個(gè)月內(nèi)向本公司申報(bào)最終的工程總價(jià)值，本公司據(jù)此以多退少補(bǔ)的方式對(duì)預(yù)收保險(xiǎn)費(fèi)進(jìn)行調(diào)整。?
否則，針對(duì)以上各條，本公司將視為保險(xiǎn)金額不足，一旦發(fā)生本保險(xiǎn)責(zé)任范圍內(nèi)的損失時(shí)，本公司將根據(jù)本保險(xiǎn)單總則中第（六）款的規(guī)定對(duì)各種損失按比例賠償。?
provide the Company with the actual final contract value within three （3） months after the expiry date of this insurance, and any difference between the premium paid in advance and that payable shall be paid to or refunded by the Company as the case may be.?
Otherwise, the Company shall take it that the Sums Insured are less than the amounts required to be insured and in case of loss or damage falling within the Coverage, the indemnification shall be made proportionately according to the Provision （6） of the General Conditions of this Policy.

五、保險(xiǎn)期限 Ⅴ. PERIOD OF INSURANCE
（一）建筑期物質(zhì)損失及第三者責(zé)任保險(xiǎn)：?
Material Damage and Third Party Liability Insurance during the Construction Period.?

1、本公司的保險(xiǎn)責(zé)任自保險(xiǎn)工程在工地動(dòng)工或用于保險(xiǎn)工程的材料、設(shè)備運(yùn)抵工地之時(shí)起始，至工程所有人對(duì)部分或全部工程簽發(fā)完工驗(yàn)收證書或驗(yàn)收合格，或工程所有人實(shí)際占有或使用或接收該部分或全部工程之時(shí)終止，以先發(fā)生者為準(zhǔn)。但在任何情況下，建筑期保險(xiǎn)期限的起始或終止不得超出本保險(xiǎn)單明細(xì)表中列明的建筑期保險(xiǎn)生效日或終止日。?
The liability of the Company shall commence notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of the project or after the unloading of the insured materials or equipments at the site and shall expire immediately after a certificate of completion has been issued for part or whole of the insured project or part or whole of the insured project have been tested after completion or actually occupied or put into service or taken over by the Principal, whichever is the earlier. In no case shall the effective date be earlier or expiry date be later respectively than both dates specified in the Schedule.?

2、不論安裝的保險(xiǎn)設(shè)備的有關(guān)合同中對(duì)試車和考核期如何規(guī)定，本公司僅在本保險(xiǎn)單明細(xì)表中列明的試車和考核期限內(nèi)對(duì)試車和考核所引發(fā)的損失、費(fèi)用和責(zé)任負(fù)責(zé)賠償；若保險(xiǎn)設(shè)備本身是在本次安裝前已被使用過(guò)的設(shè)備或轉(zhuǎn)手設(shè)備，則自其試車之時(shí)起，本公司對(duì)該項(xiàng)設(shè)備的保險(xiǎn)責(zé)任即行終止。?
Notwithstanding anything to the contrary contained in the contract concerned, the Company shall only be liable for loss or damage, expenses and liability caused or incurred by testing or commissioning arising during the testing or commissioning period stated in the Schedule. In the case of used or second hand items equipments, the insurance to such items shall, however, cease immediately on the commencement of the test.?

3、上述保險(xiǎn)期限的展延，須事先獲得本公司的書面同意，否則，從本保險(xiǎn)單明細(xì)表中列明的建筑期保險(xiǎn)期限終止日起至保證期終止日止期間內(nèi)發(fā)生的任何損失、費(fèi)用和責(zé)任，本公司不負(fù)責(zé)賠償。?
Any extensions of the period of insurance shall be subject to the Company’s prior consent in writing. Otherwise, the Company shall not be liable for any loss or damage, expense and liability arising during the period from the expiry date of the construction period stated in the Schedule to the expiry date of the maintenance period specified.?

（二）保證期物質(zhì)損失保險(xiǎn)：?Material Damage Insurance during the Maintenance Period?
保證期的保險(xiǎn)期限與工程合同中規(guī)定的保證期一致，從工程所有人對(duì)部分或全部工程簽發(fā)完工驗(yàn)收證書或驗(yàn)收合格，或工程所有人實(shí)際占有或使用或接收該部分或全部工程時(shí)起算，以先發(fā)生者為準(zhǔn)。但在任何情況下，保證期的保險(xiǎn)期限不得超出本保險(xiǎn)單明細(xì)表中列明的保證期。?
The period of insurance, being subject to the maintenance period specified in the insured contract ,shall commence at the time when a certificate of completion has been issued for part or parts of the insured project or part or parts of the insured project have been tested after completion or actually occupied or put into service or taken over by the Principal, whatever is the earlier. It is however provided that, under no circumstances shall such period go beyond the maintenance period stated in the Schedule.?

六、賠償處理 Ⅵ. TREATMENT OF CLAIM
（一）對(duì)保險(xiǎn)財(cái)產(chǎn)遭受的損失，本公司可選擇以支付賠款或以修復(fù)、重置受損項(xiàng)目的方式予以賠償，但對(duì)保險(xiǎn)財(cái)產(chǎn)在修復(fù)或重置過(guò)程中發(fā)生的任何變更、性能增加或改進(jìn)所產(chǎn)生的額外費(fèi)用，本公司不負(fù)責(zé)賠償。?
The Company will, at its own option, indemnify the Insured in respect of loss of or damage to the insured property either by way of payment in cash or by way of repair or replacement of the items lost or damaged; nevertheless, the extra cost of any alterations, additions or improvements occurring in the course of repair or replacement shall not be recoverable under this Policy.?

（二）在發(fā)生本保險(xiǎn)單物質(zhì)損失項(xiàng)下的損失后，本公司按下列方式確定賠償金額：?
In case of any loss or damage recoverable under the Section I of the Policy , the Company shall ascertain the amount of indemnity on the following basis:?

1、可以修復(fù)的部分損失——以將保險(xiǎn)財(cái)產(chǎn)修復(fù)至其基本恢復(fù)受損前狀態(tài)的費(fèi)用扣除殘值后的金額為準(zhǔn)。但若修復(fù)費(fèi)用等于或超過(guò)保險(xiǎn)財(cái)產(chǎn)損失前的價(jià)值時(shí)，則按下列第2項(xiàng)的規(guī)定處理；?
In case of damage which can be repaired, the Company shall pay the cost of repairs necessary to restore the damaged item to its nearest condition immediately preceding the damage after deducting the salvage value. If, however, the cost of repair equals or exceeds the value of the item immediately before the occurrence of the damage, the settlement shall be made according to the provisions 2.2;?

2、全部損失或推定全損——以保險(xiǎn)財(cái)產(chǎn)損失前的實(shí)際價(jià)值扣除殘值后的金額為準(zhǔn)，但本公司有權(quán)不接受被保險(xiǎn)人對(duì)受損財(cái)產(chǎn)的委付；?
In case of a total or constructive total loss, the Company shall pay the amount of the actual value of the insured items immediately before the occurrence of the loss shall deduct the salvage value. However, the Company may, at its option, decline the abandonment of any damaged property by the Insured;?

3、發(fā)生損失后，被保險(xiǎn)人為減少損失而采取必要措施所產(chǎn)生的合理費(fèi)用，本公司可予以賠償，但本項(xiàng)費(fèi)用以保險(xiǎn)財(cái)產(chǎn)的保險(xiǎn)金額為限。?
In the event of any loss occurrence, the Company shall also pay the Insured for the expenses reasonably incurred for taking necessary measures to minimize loss or damage to the least extent, but in no case shall such expenses referred hereto exceed the sum insured of the insured property.

（三）本公司賠償損失后，由本公司出具批單將保險(xiǎn)金額從損失發(fā)生之日起相應(yīng)減少，并且不退還保險(xiǎn)金額減少部分的保險(xiǎn)費(fèi)。如被保險(xiǎn)人要求恢復(fù)至原保險(xiǎn)金額，應(yīng)按約定的保險(xiǎn)費(fèi)率加繳恢復(fù)部分從損失發(fā)生之日起至保險(xiǎn)期限終止之日止按日比例計(jì)算的保險(xiǎn)費(fèi)。?
Upon settlement of a claim, an endorsement shall be issued by the Company to reduce the sum insured corresponding to the property lost or damaged by the amount so settled from the date of loss, and no premium shall be refunded for the amount so reduced. If reinstatement of the sum insured is required by the Insured upon settlement of the claim, an additional premium for the reinstated amount shall be charged at an agreed rate, and be calculated on pro rata daily basis from the date of loss to the expiry of the insurance.?

（四）在發(fā)生本保險(xiǎn)單第三者責(zé)任項(xiàng)下的索賠時(shí)：?
In the event of any claim recoverable under the Section Ⅱ of this Policy:?

1、未經(jīng)本公司書面同意，被保險(xiǎn)人或其代表對(duì)索賠方不得作出任何責(zé)任承諾或拒絕、出價(jià)、約定、付款或賠償。在必要時(shí)，本公司有權(quán)以被保險(xiǎn)人的名義接辦對(duì)任何訴訟的抗辯或索賠的處理；?
No admission, rejection, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured or his representative if without the written consent of the Company. And the Company shall be entitled, if it so desires, to take over and conduct in the name of the Insured the defence or settlement of any claim;?

2、本公司有權(quán)以被保險(xiǎn)人的名義，為本公司的利益自付費(fèi)用向任何責(zé)任方提出索賠的要求。未經(jīng)本公司書面同意，被保險(xiǎn)人不得接受責(zé)任方就有關(guān)損失作出的付款或賠償安排或放棄對(duì)責(zé)任方的索賠權(quán)利，否則，由此引起的后果將由被保險(xiǎn)人承擔(dān)；?
The Company shall be entitled, at its own expense and for its own benefit, to prosecute in the name of the Insured any claim for indemnity against any persons. Without the written consent of the Company, the Insured shall not accept the payment or arrangement of indemnity in respect of the loss or damage offered by any party held responsible for such loss or damage and shall not abandon the right of recovery from such party, otherwise, the Insured shall be liable for any consequence arising therefrom;?

3、在訴訟或處理索賠過(guò)程中，本公司有權(quán)自行處理任何訴訟或解決任何索賠案件，被保險(xiǎn)人有義務(wù)向本公司提供一切所需的資料和協(xié)助。?
The Company shall have full discretion to conduct any proceedings or settle any claim, and the Insured shall give all such information and assistance as the Company may require.?

（五）被保險(xiǎn)人請(qǐng)求索賠的權(quán)利，自其知道或者應(yīng)當(dāng)知道保險(xiǎn)事故發(fā)生之日起二年不行使而消滅。?
The time of validity of a claim under this insurance shall not exceed a period of two years counting from the date of loss.

七、被保險(xiǎn)人的義務(wù) Ⅶ. INSURED’S OBLIGATIONS
被保險(xiǎn)人或其代表應(yīng)嚴(yán)格履行下列義務(wù)：?
The following obligations shall be strictly fulfilled by the Insured and his representative:?

（一）在投保時(shí)，被保險(xiǎn)人及其代表應(yīng)對(duì)投保申請(qǐng)書中列明的事項(xiàng)以及本公司提出的其他事項(xiàng)作出真實(shí)、詳盡的說(shuō)明或描述；?
The Insured and his representative, when applying for insurance shall make true answers or descriptions to the questions in the Proposal and Questionnaire or to any other questions raised by the Company.?

（二）被保險(xiǎn)人或其代表應(yīng)根據(jù)本保險(xiǎn)單明細(xì)表和批單中的規(guī)定按期繳付保險(xiǎn)費(fèi)；?
The Insured and his representative shall pay to the Company in due course the agreed premium in the manner as provided in the Schedule and Endorsement.?

（三）在本保險(xiǎn)期限內(nèi)，被保險(xiǎn)人應(yīng)采取一切合理的預(yù)防措施，包括認(rèn)真考慮并付諸實(shí)施本公司代表提出的合理的防損建議，謹(jǐn)慎選用施工人員，遵守一切與施工有關(guān)的法規(guī)和安全操作規(guī)程，由此產(chǎn)生的一切費(fèi)用，均由被保險(xiǎn)人承擔(dān)；?
During the period of insurance, the Insured shall at his own expense take all reasonable precautions, including paying sufficient attention to and putting into practice the reasonable recommendations of the Company, prudently selecting the workmen and employees and complying with all statutory regulations and safety operation procedures relative to the performance of the project insured.?

（四）在發(fā)生引起或可能引起本保險(xiǎn)單項(xiàng)下索賠的事故時(shí)，被保險(xiǎn)人或其代表應(yīng)：?
In the event of any occurrence which gives or might give rise to a claim under this Policy, the Insured or his representative shall:?

1、立即通知本公司，并在七天或經(jīng)本公司書面同意延長(zhǎng)的期限內(nèi)以書面報(bào)告提供事故發(fā)生的經(jīng)過(guò)、原因和損失程度；?
notify the Company immediately and within seven（7） days or any further period as may be agreed by the Company in writing, furnish a written report to indicate the course, probable reason and extent of loss or damage;?

2、采取一切必要措施防止損失的進(jìn)一步擴(kuò)大并將損失減少到最低程度；?
take all necessary measures to avoid aggravation of the loss or damage and minimize it to the least extent;?

3、在本公司的代表或檢驗(yàn)師進(jìn)行勘查之前，保留事故現(xiàn)場(chǎng)及有關(guān)實(shí)物證據(jù)；?
preserve the spot affected and defective parts before an inspection is carried out by a representative or surveyor from the Company;?

4、在保險(xiǎn)財(cái)產(chǎn)遭受盜竊或惡意破壞時(shí)，立即向公安部門報(bào)案；?
inform the Public Security Bureau immediately in case of loss or damage due to theft or burglary or malicious acts;?

5、在預(yù)知可能引起訴訟時(shí)，立即以書面形式通知本公司，并在接到法院傳票或其他法律文件后，立即將其送交本公司；?
immediately give notice to the Company in writing whenever having knowledge of any impending prosecution in connection with any accident for which there may be liability under this Policy, and forward to the Company every letter writ, summons or process or other court documents on receipt thereof;?

6、根據(jù)本公司的要求提供作為索賠依據(jù)的所有證明文件、資料和單據(jù)。?
furnish all such information and documentary evidence as the Company may require for supporting the claim.?

（五）若在某一保險(xiǎn)財(cái)產(chǎn)中發(fā)現(xiàn)的缺陷表明或預(yù)示類似缺陷亦存在于其他保險(xiǎn)財(cái)產(chǎn)中時(shí)，被保險(xiǎn)人應(yīng)立即自付費(fèi)用進(jìn)行調(diào)查并糾正該缺陷。否則，由類似缺陷造成的一切損失應(yīng)由被保險(xiǎn)人自行承擔(dān)。?
If discovery of a defect in any property insured shall indicate or suggest that similar defect exists in other property insured, the Insured shall, at his own expenses, investigate and rectify forthwith the defect in such other property. Otherwise, all loss or damage arising out of the said defect shall be borne by the Insured.?

八、總則Ⅷ. GENERAL CONDITIONS
（一）保單效力?Policy Effect?
被保險(xiǎn)人嚴(yán)格地遵守和履行本保險(xiǎn)單的各項(xiàng)規(guī)定，是本公司在本保險(xiǎn)單項(xiàng)下承擔(dān)賠償責(zé)任的先決條件。?
The due observance and fulfilment of the terms and conditions of this Policy in so far as they relate to anything to be done or complied with by the Insured shall be a condition precedent to any liability of the Company under this Policy.?

（二）保單無(wú)效?Policy Voidance?
如果被保險(xiǎn)人或其代表漏報(bào)、錯(cuò)報(bào)、虛報(bào)或隱瞞有關(guān)本保險(xiǎn)的實(shí)質(zhì)性內(nèi)容，則本保險(xiǎn)單無(wú)效。
This Policy shall be voidable in the event of misrepresentation, misdescription or non-disclosure made by the Insured or his representative in any material particular in respect of this insurance.?

（三）保單終止?Policy Termination?
除非經(jīng)本公司書面同意，本保險(xiǎn)單將在下列情況下自動(dòng)終止：?
Unless its continuance be admitted by the Company in writing, this Policy shall be automatically terminated if:?

1、被保險(xiǎn)人喪失保險(xiǎn)利益；?the insurable interest of the Insured is lost;?
2、承擔(dān)風(fēng)險(xiǎn)擴(kuò)大。?the risk of loss or damage is increased.?
本保險(xiǎn)單終止后，本公司將按日比例退還被保險(xiǎn)人本保險(xiǎn)單項(xiàng)下未到期部分的保險(xiǎn)費(fèi)。
After termination of the Policy, the premium shall be refunded to the Insured calculated on pro rata daily basis for the period from the date of termination to the date of expiry.?

（四）權(quán)益喪失?Forfeit of Benefit?
如果任何索賠含有虛假成分，或被保險(xiǎn)人或其代表在索賠時(shí)采取欺詐手段企圖在本保險(xiǎn)單項(xiàng)下獲得利益，或任何損失是由被保險(xiǎn)人或其代表的故意行為或縱容所致，被保險(xiǎn)人將喪失其在本保險(xiǎn)單項(xiàng)下的所有權(quán)益。對(duì)由此產(chǎn)生的包括本公司已支付的賠款在內(nèi)的一切損失，應(yīng)由被保險(xiǎn)人負(fù)責(zé)賠償。?
If the claim is in any respect fraudulent, or if any fraudulent means or devices are used by the Insured or his representative to obtain any benefit under this Policy or if any loss or damage is occasioned by the intentional act or in the connivance of the Insured or his representative, then in any of these cases, all the rights and benefits of the Insured under this Policy shall be forfeited, and all consequent losses arising therefrom including the amount of claim paid by the Company shall be indemnified by the Insured.?

（五）合理查驗(yàn)?Reasonable Inspection?
本公司的代表有權(quán)在任何適當(dāng)?shù)臅r(shí)候?qū)ΡｋU(xiǎn)財(cái)產(chǎn)的風(fēng)險(xiǎn)情況進(jìn)行現(xiàn)場(chǎng)查驗(yàn)。被保險(xiǎn)人應(yīng)提供一切便利及本公司要求的用以評(píng)估有關(guān)風(fēng)險(xiǎn)的詳情和資料。但上述查驗(yàn)并不構(gòu)成本公司對(duì)被保險(xiǎn)人的任何承諾。?
The representative of the Company shall at any suitable time be entitled to attend the site and inspect or examine the risk exposure of the property insured. For this purpose, the Insured shall provide full assistance and all details and information required by the Company as may be necessary for the assessment of the risk. The above mentioned inspection or examination shall in no circumstances be held as any admission to the Insured by the Company.?

（六）比例賠償?Average?
在發(fā)生本保險(xiǎn)物質(zhì)損失項(xiàng)下的損失時(shí)，若受損保險(xiǎn)財(cái)產(chǎn)的分項(xiàng)或總保險(xiǎn)金額低于對(duì)應(yīng)的應(yīng)保險(xiǎn)金額（見四、保險(xiǎn)金額），其差額部分視為被保險(xiǎn)人所自保，本公司則按本保險(xiǎn)單明細(xì)表中列明的保險(xiǎn)金額與應(yīng)保險(xiǎn)金額的比例負(fù)責(zé)賠償。?
If, in the event of loss or damage recoverable under the Section I, it is found that the sums insured in respect of each item insured or total items are less than the amounts required to be insured （see Sun Insured of Article IV）, then the difference shall be regarded as self-insurance by the Insured and the Company shall only be liable to pay such proportion of the claim as the sum insured of the damaged item bears to the amount required to be insured.?

（七）重復(fù)保險(xiǎn)?Double Insurance?
本保險(xiǎn)單負(fù)責(zé)賠償損失、費(fèi)用或責(zé)任時(shí)，若另有其他保障相同的保險(xiǎn)存在，不論是否由被保險(xiǎn)人或他人以其名義投保，也不論該保險(xiǎn)賠償與否，本公司僅負(fù)責(zé)按比例分?jǐn)傎r償?shù)呢?zé)任。
Should any loss, damage, expenses or liabilility recoverable under the Policy be also covered by any other insurance, the Company shall only be liable to pay or contribute his proportion of the claim irrespective as to whether the other insurance is arranged by the Insured or others on his behalf, or whether any indemnification is obtainable under such other insurance.?

（八）權(quán)益轉(zhuǎn)讓?Subrogation?
若本保險(xiǎn)單項(xiàng)下負(fù)責(zé)的損失涉及其它責(zé)任方時(shí)，不論本公司是否已賠償被保險(xiǎn)人，被保險(xiǎn)人應(yīng)立即采取一切必要的措施行使或保留向該責(zé)任方索賠的權(quán)利。在本公司支付賠款后，被保險(xiǎn)人應(yīng)將向該責(zé)任方追償?shù)臋?quán)利轉(zhuǎn)讓給本公司，移交一切必要的單證，并協(xié)助本公司向責(zé)任方追償。?
Where a third party shall be held responsible for the loss or damage covered under this Policy, the Insured shall, whether being indemnified by the Company or not, take all necessary measures to enforce or reserve the right of recovery against such third party, and upon being indemnified by the Company, subrogate to the Company all the right of recovery, transfer all necessary documents to and assist the Company in pursuing recovery from the responsible party.?

（九）爭(zhēng)議處理?Dispute?
因履行本保險(xiǎn)合同發(fā)生爭(zhēng)議，由當(dāng)事人協(xié)商解決；協(xié)商不成的，由當(dāng)事人在下列兩種方式中選擇：?
Should any dispute arise under this Policy, the contracting parties shall settle the dispute through negotiation. In case no agreement is reached, the contracting parties must choose one of the following two dispute settlement means:?

（一）    提交保險(xiǎn)單載明的仲裁委員會(huì)仲裁；
Such dispute shall be submitted to the arbitration committee specified in the Schedule for arbitration.?

（二）    向中華人民共和國(guó)法院提起訴訟。Legal actions shall be taken in a People's Court.?

九、特別條款Ⅸ. SPECIAL PROVISIONS
下列特別條款適用于本保險(xiǎn)單的各個(gè)部分，若其與本保險(xiǎn)單的其它規(guī)定相沖突，則以下列特別條款為準(zhǔn)。
The following provisions shall be applied to all parts of this Policy and shall override the other terms and conditions of this Policy if any conflict arises.?