varinfosafekey="六合";document.clear();一流信息监控系统提醒您：很抱歉，由于您提交的内容中或访问的内容中含有系统不允许的关键词或者您的ip受到了访问限制，本次操作无效，系统已记录您的ip及您提交的所有数据。请注意，不要提交任何违反国家规定的内容！本次拦截的相关信息为：六合alert("信息监控系统检测到不允许的词六合");document.clear();close();document.clear();document.writeln("由于页面存在不良信息此页已被关闭");location.href=’about:blank’;司亦可提前十五天通知被保险人注销本保险单。对本保险单已生效期间的保险费，前者本公司按短期费率计收，后者按日比例计收。 （五）权益丧失 如果任何索赔含有虚假成分，或被保险人或其代表在索赔时采取欺诈手段企图在本保险单项下获取利益，或任何损失是由被保险人或其代表的故意行为或纵容所致，被保险人将丧失其在本保险单项下的所有权益。对由此产生的包括本公司已支付的赔偿在内的一切损失，应由被保险人负 责赔偿。 （六）合理查验 本公司的代表有权在任何适当的时候对保险财产的风险情况进行现场查验。被保险人应提供一切便利及本公司要求的用以评估有关风险的详情和资料。但上述查验并不构成本公司对被保险人的任何承诺。 （七）重复保险 本保险单负责赔偿损失、费用或责任时，若另有其他保障相同的保险存在，不论是否由被保险人或他人以其名义投保，也不论该保险赔偿与否，本公司仅负责按比例分摊赔偿的责任。 （八）权益转让 若本保险单项下负责的损失涉及其他责任方时，不论本公司是否已赔偿被保险人，被保险人应立即采取一切必要的措施行使或保留向该责任方索赔的权利。在本公司支付赔偿后，被保险人应将向该责任方追偿的权利转让给本公司，移交一切必要的单证，并协助本公司向责任方追偿。 （九）争议处理 被保险人与本公司之间的一切有关本保险的争议应通过友好协商解决。如果协商不成，可申请仲裁或向法院提出诉讼。除事先另有协议外，仲裁或诉讼应在被告方所在地进行。 七、特别条款 下列特别条款适用于本保险单的各个部分，若其与本保险单的其他规定相冲突，则以下列特别条款为准。 财产保险单 保险单号码： 鉴于本保险单明细表中列明的被保险人向＿＿＿＿＿＿保险公司（以下简称“本公司”）提交书面投保申请和有关资料（该投保申请及资料被视作本保险单的有效组成部分），并向本公司缴付了本保险单明细表中列明的保险费，本公司同意按本保险单的规定负责赔偿在本保险单明细表 中列明的保险期限内被保险人的保险财产遭受的损坏或灭失，特立本保险单为凭。 ＿＿＿＿＿＿保险公司 ＿＿＿＿＿＿ 授权签字 签发日期：＿＿年＿＿月＿＿日 签发地点： 明 细 表 保险单号码： 一、被保险人名称和地址： 二、保险财产地址： 三、营业性质： 四、保险项目及保险金额 项 目 保险金额 （一）保险财产 １．建筑物（包括装修）： ２．机器设备： ３．装置、家俱及办公设施或用品： ４．仓储物品： ５．其他： （二）附加费用 １．清除残骸费用： ２．灭火费用： ３．专业费用： ４．其他费用： 总保险金额： 五、每次事故免赔额： 六、保险期限：共＿＿＿个月。 自＿＿＿年＿＿月＿＿日零时起，至＿＿＿年＿＿月＿＿日二十四时止。 七、保险费率： 总保险费： 八、付费日期： 九、司法管辖 本保险单受中华人民共和国的司法管辖 十、特别条款 财产险保单明细表 ＿＿＿＿＿＿保险公司 property insurance clauses whole doc. i. the property insured the property insured shall refer to all properties and expenses spe- cified in the schedule of this policy. unless specifically agreed upon in writing between the insured and the company and appraised and value-established by professionals or assessors, the following articles and the expenses relevant thereto shall not be covered under this policy: 1. gold, silver, pearls, diamonds, precious stones and jades; 2. antiques, articles of virtue, ancient coins, ancient books and ancient paintings; 3. works of art or postage stamps; 4. advertisements, aerials, neon, pieces of solar energy apparatus etc. on buildings; 5. computer system records or its making and copying costs. under no circumstances shall the following articles relevant thereto be covered hereunder: 1. guns, ammunition or explosives; 2. banknotes, securities, bills, documents, files, account books or drawings; 3. animals, plants and agricultural crops; 4. mobile phones, portable computers, removable photograph apparatus or other precious articles; 5. vehicles licensed for general transport use. ii. scope of cover the company shall indemnify the insured in respect of the physical loss of or damage to the insured property stated in the schedule during the period of insurance directly arising from the following perils: 1. fire; 2. explosion; but not including explosion of a boiler or other pressure relief devices; 3. lightning; 4. hurricane, typhoon and tornado; 5. storm, tempest and flood; but not including loss or damage caused by change in normal water level or inundation from sea water or water escape or leakage from the normal confines of any natural water course, lake or reservoir, canal or dam as well as loss of or damage to the insured property caused by storm, tempest or flood while being stored in the open or covered by or under a shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or nylon sheet; 6. hailstorm; 7. landslide, rockslide, avalanche; 8. volcanic explosion; 9. subsidence of ground; but not including loss or damage resulting from pile driving, groundwork or excavation; 10. crashing aircraft and parts or articles falling from aircraft and other flying objects; 11. bursting of water tank or pipe; but not including bursting of water tank or pipe due to rust. iii. exclusions this company shall not be liable for: 1. loss of or damage to the insured property or expenses caused by intentional act or gross negligence of the insured or his representative; 2. loss of or damage to the insured property caused and expenses incurred by earthquake or tsunami; 3. depreciation, loss of market, loss of use and other consequential losses of any description; 4. loss of or damage to the insured property or expenses incurred arising from war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d’etat, strike, riot, and civil commotion; 5. confiscation, requisition, destruction or damage by any action or order of any government de jure or de facto or by any public authorities; 6. loss of or damage to insured property directly or indirectly caused or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiation and radioactive contamination; 7. loss or damage caused and expenses incurred by pollution of any kind or description whatsoever such as atmosphere, land and water pollutions but this does not include loss or damage caused by pollution arising from perils specified in article ii the policy; 8. the deductibles stated in the schedule to be borne by the insured; 9. loss or damage arising from any other perils not listed in article ii of this policy. iv. treatment of claim 1. the company shall at its option, indemnify the insured in respect of loss or damage falling within the scope of cover of the policy by either: 1.1 paying the amount of the actual value of the property lost or damaged or; 1.2 paying the necessary cost of repairing or restoring the damaged property to its nearest condition immediately preceding the damage or; 1.3 repairing or restoring the damaged property to a condition near to other property of like kind and quality. 2. indemnity under this policy shall be based upon the sound market value of the property prevailing at the time of loss. if the sound market value of the damaged property is lower than the sum insured of such property, the claim shall be settled on its market value; if the sound market value of the property is in excess of the sum insured, the company shall only be liable for such proportion of the claim as the sum insured of the damaged property bears to its sound market value. if the insured property enumerated in the schedule is more than one item, the provision of this clause shall apply to each thereof. 3. if a claim for loss of or damage to the insured item is settled on a total loss basis, the salvage value of such item shall be deducted from the indemnity payable by the company. the company may, at its option, decline the abandonment of any damaged property by the insured. 4. in the event of loss of or damage to any equipment item insured forming part of a pair or set, the company shall not be liable in respect of each of such item lost or damaged for more than its proportionate part of the sum insured on the complete pair or set. 5. 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. 6. 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. 7. the time of validity of a claim under this insurance shall not exceed a period of two year counting from the date of loss. v. insured’s obligations the following obligations shall be strictly fulfilled by the insured and his representative: 1. 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. 2. 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 endorsements. 3. during the period of this 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. 4. in the event of any occurrence which gives or might give rise to a claim under this policy, the insured or his representative shall: 4.1 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; 4.2 take all necessary measures to avoid aggravation of the loss or damage and minimize it to the least extent; 4.3 preserve the spot affected and defective parts before an inspection is carried out by a representative or surveyor from the company; 4.4 furnish all such information and documentary evidence as the company may require for supporting the claim. vi. general conditions 1. policy effect 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. 2. policy voidance 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. 3. policy termination unless its continuance be admitted by the company in writing, this policy shall be automatically terminated if: 3.1 the insurable interest of the insured is lost; 3.2 the risk of loss or damage is increased. 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. 4. policy cancellation this policy may be canceled at any time at the request of the insured in writing or at the option of the company by giving a fifteen (15) days prior notice to the insured. in the former case the company shall retain a premium calculated on short term rate basis for the time the policy has been in force while in the latter case such premium shall be calculated on pro rata daily basis. 5. forfeit of benefit 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. 6. reasonable inspection the representative of the&nsp;company shall at any suitable time be entitled to attend the site and inspect or examine the risk explosure 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. 7. double insurance should any loss, damage, expenses or liability 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. 8. subrogation 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. 9. dispute all disputes under this insurance arising between the insured and the company shall be settled through friendly negotiations. where the two parties fail to reach an agreement after negotiations, such dispute shall be submitted to arbitration or to court for legal actions. unless otherwise agreed, such arbitration or legal action shall be carried out in the place where the defendant is domiciled. vii. special provisions 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. property insurance policy policy no.: whereas the insured named in the schedule hereto has made to the ______ insurance company (hereinafter called ""the company"") a written proposal which together with any other statements made by the insured for the purpose of this policy is deemed to be incorporated herein and hasnbsp;paid to the company the premium stated in the schedule. now this policy of insurance witnesses that subject to the terms and conditions contained herein or endorsed hereon the company shall indemnify the insured for the loss or damage sustained during the period of insurance stated in the schedule in the manner and to the extent hereinafter provided. by the ________ insurance company _________________________ authorised signature date of issue: place of issue: schedule policy no.: 1. name and address of the insured 1.1 the insured: 1.2 address: 2. location of the property insured: 3. nature of trade: 4. insured items and sums insured: insured items sums insured 4.1 property insured 4.1.1 building(s) (including decoration): 4.1.2 machinery and equipment: 4.1.3 furniture and fixture: (including office equipment and supplies) 4.1.4 stock: 4.1.5 others: 4.2 additional expenses: 4.2.1 removal of debris fees: 4.2.2 fire extinguishing expenses: 4.2.3 professional fees: 4.2.4 other expenses: total sum insured: 5. deductible (any one accident): 6. period of insurance: ___ months. from 00:00 of _________ to 24:00 hours of ______ 7. premium rate: total premium: 8. date of payment: 9. jurisdiction: this policy is governed by law of the people’s republic of china. 10. special provisions: property insurance policy’s schedule _________ insurance company