保险翻译-中英文翻译

 Ping An Liability Insurance Clause for Travel Agencies (2004)
平安旅行社责任保险条款（2004）

General Provisions
Article 1  This Clause is formulated to guarantee the legal rights and interests of travel agencies and tourists, as well as to defuse the operating risk of travel agencies.
Article 2   Any travel agency, which is legally established, registered and operated in the territory of the People’s Republic of China, may become the Insured of this insurance.
Insuring Agreement
Article 3  During the period of this insurance, where an accident incurs during the tour arranged by the Insured causes injury or death to a tourist who travels according to the scheduled journey, the Company shall, as for the economic compensation liability borne by the Insured according to the law, be liable for the limit of indemnity agreed upon in the Policy Schedule in light of the provisions of this Clause.
Article 4  During the period of this insurance, where an accident incurs during the tour arranged by the Insured causes injury or death to a tourist who travels according to the scheduled journey, and if the tourist or his/her relative claims compensation for mental damage, the Company shall, as for the mental damage compensation liability that is judged by the People’s Court and is borne by the Insured according to the law, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause.
Article 5  During the period of this insurance, upon the occurrence of the following property losses and increased expenses to a tourist who travels according to the scheduled journey during the tour arranged by the insured, the Company shall, as for the economic compensation liability borne by the Insured according to the law, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause:
(1) The baggage of the tourist is damaged, stolen or robbed;
(2) Economic loss or necessary or reasonable increased expenses incurred for the tourist is refused to enter into the country by the Customs;
(3) The tourist’s necessary or reasonable expenses for making up the travel certificates (excluding airline ticket, credit card, cash, traveler’s cheque and ID card) after they are missed;
(4) The tourist’s necessary or reasonable increased expenses incurred for the delay of traffic tools;
(5) The necessary or reasonable increase of traveling expenses incurred by an accident or natural disaster; 
(6) The tourist’s additional increase of necessary or reasonable expenses for sending back minors or elders over sixty (60) years old along with him/her in advance after the occurrence of an accident.
Article 6  After the occurrence of the Insured events as specified in the third, fourth and fifth paragraphs of this Clause, the Company shall, as for the insured’s actual payment of necessary or reasonable litigation expenses approved in writing by the Company in advance, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause. 
Article 7  After the occurrence of the Insured events as specified in the third, fourth and fifth paragraphs of this Clause, the Company shall, as for the insured’s necessary or reasonable expenses for preventing and mitigating losses, be liable for the limit of indemnity as agreed upon in the Policy Schedule in light of the provisions of this Clause. 
Exclusions
Article 8  The Company shall be exempt from losses, expenses and liabilities caused by any of the following reasons:
(1) Intentional acts of the Insured or his/her representative or employee;
(2) Wars, acts similar to war, acts of hostility, military acts, armed conflicts, strikes, commotion and riots; 
(2) Government action, excluding the action that the Customs refuses the entry into the country;
(4) Nuclear reaction, nuclear radiation or radioactive pollution;
(5) Earthquake, volcano or cyclone;
(6) The health reasons or intentional or gross negligence of the tourist;
Article 9  The Company shall be not liable for any of the following circumstances:
(1) The Insured fails to have corresponding qualifications or entrusts an incompetent organization or individual to arrange and organize tourists for tour;  
(2)  The Insured has done a business beyond his/her own business scope. 
Article 10  The company shall bear no obligation for indemnification for the following losses, expenses and liabilities:
(1) Any losses of the Insured and his/her employee, however those that have been declared and the premium paid in advance according to the agreement by the tour leader or guide designated by the insured, shall not be limited by this Paragraph. 
(2) Any losses of the entrusted organization or individual of the insured;
(3) The duties agreed in the agreement by and between the Insured and other party, however, shall, even though there’s no such agreement concerning the Insured, the liability that shall be borne by the Insured in accordance with the law shall not be limited by this Paragraph
(4) Any indirect losses;
(5) Any penalty, fine or punitive indemnity;
(6) Any losses occurring beyond the duration and places of the scheduled tour, unless otherwise agreed upon;
(7) Any losses of any person that is not listed in the tourist roster, unless otherwise agreed upon;
(8) Any personal injury, mental compensation and property loss incurred from the tourist's participation of such high-risk activities as racing, horse race, rock climbing, power-free glide, explorative drift, diving, alpine skiing, board skating, parachute jump, fire balloon, bungee jumping and surfing, etc.;
Article 11  The company shall bear no obligation for losses of the following properties:
Losses of mobile communication tools, notebook computers, pickup cameras, cameras, watches, bullion, ornament, jewelry, cultural relics, calligraphy and painting, data, cash, credit cards, bills, documents, securities, files, accounting books and technical data, etc.
However, the loses of notebook computers, pickup cameras, cameras and mobile communication tools that are caused by an accident, and the losses caused by theft or rob under the direct storage of the Insured shall not be limited by this Paragraph.
Article 12  The Company shall bear no obligation for indemnification for other losses, expenses and liabilities not falling within the scope of the insurance liabilities.
Limit of Indemnity
Article 13  The economic compensation liabilities undertaken by the Company for everybody under the third, fourth, fifth, sixth and seventh paragraphs of this Clause shall not exceed the limit of indemnity for everybody as agreed in the Policy Schedule; and the indemnity for everybody under the fifth and seventh paragraphs of this Clause shall not exceed the property indemnity limit as agreed in the Policy Schedule.  
The medical expenses undertaken by the Company for everybody shall not exceed the medical expense indemnity limit for everybody as agreed in the Policy Schedule.
The highest indemnity undertaken by the Company for each accident shall not exceed that as agreed in the Policy Schedule.
Insurance Period
Article 14  Unless otherwise agreed, the insurance period for this Insurance is one year. The insurance liability shall automatically extend to the last date of the travel journey if the travel journey commences within the insurance period.
Claims Procedure
Article 15  While the Insured applies to the Company for indemnity, he/she shall submit:
(1) Accident Notice;
(2) Travel Contract and Tourist Roster;
(3) Indemnity Agreement or Reconciliation Agreement signed by and between the Insured and the tourist or he/her legal successor;
(4) The original Policy Schedule;
(5) Accident Certificate;
(6) Where property losses are incurred from a theft or rob, Penal Case Filing Certificate and Property Source Certificate shall be submitted to the public security organ;
(7) Where property losses are incurred during the deposit period of the Insured, the corresponding Deposit Voucher shall be submitted;
(8) Statements of Loss and Expenditure;
(9) As for those that shall be judged and arbitrated, the Judgment Document or Arbitration Award shall be submitted;  
(10) Other necessary materials that may prove the cause of accident and the condition of loss.
Article 16  Where there are property losses, the repair shall be given to the greatest extent. The Insured and the Company shall determine the repair item, method and expense prior to the repair. Otherwise, the Company shall have the right to check and ratify them again or to raise defense.
Article 17  Where the personal injury or property loss of the tourist is caused in whole or part by a third party, the Company shall indemnify the amount stipulated in the third, fourth and fifth paragraphs of this Insurance Clause according to the following terms:
(1) Where the third party fails to indemnify its indemnity amount in accordance with the law, the Company shall calculate the insured as agreed in the Policy Schedule.
(2) Where the third party has indemnified its indemnity amount in accordance with the law:
1. In case the indemnity mount borne by the third party within the coverage of this Insurance is lower than that calculated according to the provisions of this Clause, the Company shall be liable for the balance between the indemnity amount calculated according to this Clause and the indemnity amount paid by the third party within the scope of the coverage.
2. In case the indemnity amount borne by the third party within the scope of the coverage of this Insurance is higher than that calculated according to the agreement of this Insurance, the Company shall be exempt from indemnification.
Article 18  After the occurrence of an insured event, without the written consent of the Company, the Insured or his/her representative shall not make any promise, rejection, offer, agreement, payment or indemnity towards the claimer. If necessary, the Company shall have the right to defend or handle the relevant claim matters in the name of the Insured.
Article 19  If necessary, the Company shall, in the name of the Insured, have the right to recover indemnification from relevant responsible parties at its own cost. Without the written consent of the Company, the Insured shall not unilaterally accept the payment or indemnity arrangement made by the relevant parties upon relevant losses, or waive the right of claim from relevant responsible parties. Otherwise, the results thereout shall be borne by the Insured.
Article 20  At the occurrence of the losses in the scope of coverage, should the relevant responsible parties be liable for the indemnity, the Insured shall take all measures to claim indemnity from such parties. The Company may, from the date when indemnity is paid to the insured, excise subrogation right through the Insured to recover indemnification from the relevant responsible parties for the amount of indemnity. The Insured shall, for the Company’s subrogation to recover indemnification, actively assist the Company and provide necessary documents and inform all that he knows
Article 21  The Company shall, upon receipt of the indemnity claim of the Insured, check and ratify it timely, and shall, upon the part falling within the scope of coverage, perform its compensation obligation within ten (10) days after an indemnity agreement is reached with the Insured.
Article 22  In the event that an overlapping insurance exists for the Insured, the Company shall only bear the obligation of pro rata indemnity.
Article 23  Such actions as the Company accepts a case, surveys on site, verifies the price, participates in the lawsuit and advises the Insured shall not be deemed as the Company’s promise to insurance liability.
Duties of Insurance Applicant and the Insured
Article 24  The Insurance Applicant shall perform his/her obligation of making an honest representation, and shall, upon the items specified in the Application and other items put forward by the Company, make truthful and detailed instruction or description. Where the Insurance Applicant intentionally conceals facts and fails to perform his/her obligation of making an honest representation, the Company shall have the right to refuse the indemnification or terminate this Policy as of the date of the written notice.
Article 25  The Insurance Applicant shall pay the premium duly in accordance with the agreement. In the event that the Insurance Applicant fails to pay the premium duly in accordance with the agreement, the Company shall be exempt from indemnification, and may rescind this Contract within fifty (15) days after the agreed period.
Article 26  The Insured shall submit tourist roster in data text or in written form to the Company prior to the organization and arrangement of the travel journey; should such tourist roster be changed, the Insured shall inform the Company timely. The change of the tourist roster shall come into effective after the consent of the Company in data text or in written form.   In the event the Insured fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 27  The Insured shall notify the scheduled travel journey to the Company in data text or in written form prior to the commencement of the organization and arrangement of the travel journey; in the event the scheduled travel journey needs a change, the Insured shall notify the Company promptly, and the change of the scheduled travel journey shall come into effective after the consent of the Company in data text or in written form. In the event the Insurance Applicant fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 28  During the insurance period, should the important insurance items be changed or the risk of the subject matter of the insurance be increased, the Insurance Applicant shall notify the Company in good time. In the event the Insurance Applicant fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 29  The Insured shall observe the relevant laws and regulations of the State, and shall not engage any business beyond its registered business scope. The Company shall bear no obligation for indemnification for any insured event incurred to the business of the Insured beyond his/her registered business scope.
Article 30  The Insured shall substantially remind, dissuade and warn the tourists of the safety of tourism in advance, and shall take effective preventive measures for possible accidents.  Where the Insured fails to fulfill his/her obligation of safety management, the Company shall have the right to ask for an increase in the premium or to terminate the Contract.
Article 31  At the occurrence of an accident falling with the scope of coverage, the Insured or his/her representative shall: 
(1) Notify the Company timely and explain the cause and course of the accident and the extent of losses in writing within seven (7) days or within the extended period approved by the Company in writing. Where the insured or his/her representative fails to timely inform the Company his/her failure in reasonably investigating the cause and course of the accident and the extent of losses, the Company shall have the right to defend.
(2) Try his/her best to take all necessary preventive measures to avoid aggravation of the loss or damage and minimize it to the least extent; otherwise, the Company shall bear no obligation for indemnification for the aggravation of the loss thereout.
(3) Upon the occurrence of an accident pertaining to public security case, report it timely to the relevant public security authority and the local public security organ. Otherwise, the Company shall bear no obligation for indemnification for the aggravation of the loss thereout.
Article 32  Where the Insured learned that a lawsuit might be brought, he/she shall promptly notify the Company in writing; where he/she receives the subpoenas or other legal documents from the court, he/she shall submit them to the Company timely. Otherwise, the Company shall bear no obligation for indemnification for the aggravation of the loss thereout.
Dispute Settlement
Article 33  Any dispute pertaining to this Policy shall be settled through negotiation. Should no settlement be reached, any of the following two means shall be chosen:
(1) Apply to ______________ Arbitration Committee for arbitration; and
(2) Bring a lawsuit with the people’s court with jurisdiction.
Article 34  Any dispute arising from the Policy shall be governed by the law of the People’s Republic of China.

Definition:
[Tourist] refers to:
1. The obligee who concludes travel service contract with the Insured as well as accepts the travel service supplied by the insured;
2. The obligee who concludes travel service contract with other travel agency as well as accepts the travel service supplied by the Insured due to the Insured accepts the commission of this travel agency.
3. The guide and tour leader agreed by the Company in advance.

Ping An Liability Insurance Rider Clause on Special Travel Programs
平安特殊旅游项目责任附加险条款（2004）

Article 1  This Insurance is the Rider of Ping An Liability Insurance Clause for the Travel Agencies (2004) (hereinafter referred to as “the Master Policy”). It may not be separately applied for but applied on the basis of the application of the Master Policy.
Where there is any discrepancy between the Rider and the Master Policy, this Rider Clause shall prevail. Those matters not referred to in this Rider, the provisions of the Master Policy shall be applied.
Article 2  During the insurance period of the Rider, any accidental personal injury or death incurred from the tourist's participation of such high-risk travel activities as racing, horse race, rock climbing, power-free glide, explorative drift, diving, alpine skiing, board skating, parachute jump, fire balloon, bungee jumping and surfing according to the scheduled travel journey:
(1) The Company shall, as for the economic compensation liability borne by the Insured according to the law, be liable for the limit of indemnity in light of the provisions of this Rider Clause.
(2) Where the tourist or his/her close relative claims mental damage compensation, the Company shall, as for the mental damage compensation liability which is judged by the people’s court and shall be borne by the Insured according to the law, be liable for the limit of indemnity agreed in the Policy Schedule in light of the provisions of this Rider Clause.
Article 3  The Rider shall not otherwise set the limit of indemnity, and the application of this Rider shall not lead to the increase of the limit of indemnity.
Article 4  Where the operators of the high-risk activities participated by the tourist fail to have corresponding qualifications, the Company shall bear no obligation for indemnification.  
Article 5  At the occurrence of any insured event as stipulated in Article 2 of the Rider, the Company shall bear no obligation for the indemnity of any property losses.
Article 6  The Insured shall explain the perils and relevant preventive measures pertaining to the high-risk activities as mentioned in Article 2 of the Rider to the tourist prior to the arrangement of the participation; and take various preventive measures in the process of activities to avoid the occurrence of accidents. 
 
 

Ping An Professional Liability Insurance Clause for Agents
平安保险中介机构职业责任保险条款（2005）

General Provisions
Article 1  This Insurance is set up to promote the sound development of the insurance agents industry, to guarantee the legitimate interests of the client and to enhance the risk resisting ability of the insurance agents and brokers.
Article 2  Any insurance agent or broker, which is established within the territory of China (excluding Hong Kong, Macao and Taiwan) pursuant to the Law, may apply for this Insurance and become the Insured thereof.

Insuring Agreement
Article 3  From the first date of the retroactive period specified in the Policy Schedule to the expiry date of the insurance period, during which the Insured engages in insurance agency or broking as agreed in the Policy Schedule, economic losses are caused thereby to clients due to the Insured falsely fails to perform his/her own responsibilities and obligations in business, and the client claims indemnification from the Insured during the insurance period in accordance with the laws of China (excluding the laws of Hong Kong, Macao and Taiwan) for the first time, the Company shall, pursuant to the provisions under this Policy, be liable for the limit of indemnity for the economic compensation liability which shall be borne by the Insured in accordance with the law.      
Article 4  After the occurrence of an insured event, the Company shall, in accordance with the provisions of the Policy, be liable for the limit of indemnity of the relevant arbitration or litigation expenses paid by the Insured with the prior written consent of the Company.
Article 5  After the occurrence of an insured event, the Company shall, in accordance with the provisions of this Clause, be liable for the limit of indemnity for the necessary or reasonable expenses paid to avoid or mitigate the losses of the client and to prevent further losses.

Exclusions
Article 6  The Company shall bear no obligation for any loss or expense caused by the following reasons.
(1) The fraudulent or malicious collusion or other intentional actions of the Insured or his/her representative;
(2) The insurance agency business engaged by the Insured overstepping the business scope and business area ratified by China Insurance Regulatory Commission and stipulated in the business license;
(3) Any business that is handled by the Insured beyond the authority of the client.
(4) The insurance agency business handled by the person without effective Certificate for Insurance Agency Practitioner, Certificate for Insurance Broking Practitioner and relevant practicing certificates;
(5) The business handled privately by the insured’s professional insurance agent without the consent of the Insured, or the business handled by other business agents.
(6) The embezzlement or encroachment of premium, proceeds or indemnity.
(7) The Insured discloses the business secrets of the client or slanders against the client; 
(8) Such natural disasters as earthquake, tsunami, thunderbolt, flood, rainstorm, typhoon, tornado and earth sink, or such accidents as fire, explosion, etc.
(9) Wars, military acts, terrorist activities, strikes, commotion, theft or rob;
(10) Administrative acts or judicial acts.
Article  7  The Company shall not be liable for indemnifying for any loss and expense arising from the following items:
(1) Claims that the Insurance Applicant has known or may reasonably predict prior to insuring.
(2) Any losses caused by the Insured during the cancellation, withdrawal and revocation of the Certificate for Practicing Insurance Agency, Certificate for Practicing Insurance Broking and relevant practicing certificates.
(3) Indemnification occurring under the circumstance that no written Contract is made by and between the Insured and the Client.
(4)The duties agreed in the agreement signed by and between the Insured and the client. In the event no such agreement exists, the duties borne by the Insured in accordance with the law shall not be limited by this paragraph.
(5) Damage or loss of personal injury and tangible property caused by the Insured upon the client or a third party.
(6) Indemnification claimed by the client from the Insured not in accordance with the laws of China (excluding the laws of Hong Kong, Macao and Taiwan);
(3) Any indemnification of mental injury.
Article 8  The Company shall bear no obligation for indemnity for the deductibles that shall be borne by the Insured as of himself/herself as agreed or specified in this Policy
Article 9  The company shall bear no obligation for indemnification for other losses, expenses and liabilities not subject to the scope of coverage in the third to fifth paragraphs of this Clause. 

Limit of Indemnity
Article 10  The total indemnity amount made by the Company for each accident in accordance with the provisions of the third, fourth and fifth paragraphs of this Clause shall not exceed the limit of indemnity as specified therewith in the list of the Policy Schedule; the indemnity amount of litigation expenses undertaken for each accident as stipulated in the fourth paragraph of this Clause shall not exceed the limit of indemnity of the litigation expenses as specified therewith in the list of the Policy Schedule.    
During the insurance period of this Policy, the total indemnity amount borne by the Company as stipulated in the third, fourth and fifth paragraphs of this Clause shall not exceed the accumulative indemnity amount as specified in the list of the Policy Schedule, and the indemnity expenses of the litigation expenses as stipulated in the fourth paragraph shall not exceed the accumulative limit of indemnity of the litigation expenses as specified in the list of the Policy Schedule.     

Duties of Insurance Applicant and the Insured
Article 11  Where the Insurance Applicant intentionally conceals facts and fails to perform his obligation of making an honest representation, the Company shall have the right to raise defense or terminate this Policy as of the date of the written notice.
Article 12  The Insurance Applicant shall submit the roll of professionals that he/she formally engages as insurance agent as well as submit the certification to the Company when insuring. Otherwise, the Company shall have the right to terminate the Policy.
Article 13  In the event that there’s any change in the Insured’s professional insurance agent during the insurance period, the Insured shall submit the roll on the change of professional agents to the Company within three (3) months. The qualifications of the professional practitioner shall be authorized by the regulatory authority of the State. Where the Insured fails to notify the Company, the Company shall bear no obligation for indemnification where the occurrence of the insured event is caused by the increased risk relating to the subject matter of the Insurance.
Article 14  The Insurance Applicant shall pay the premium as agreed in the Policy. In the event that the Insurance Applicant fails to pay the premium duly in accordance with the agreement, the Company shall be exempt from indemnification, and may rescind this Contract within fifty (15) days after the time limit.
Article 15  The Insured shall observe the relevant provisions of the State and exert to protect the legal rights and interests of the client. Otherwise, the Company shall have the right to increase the premium or to terminate the Policy.
Article 16  The Company shall have the right to conduct risk evaluation upon the business risk of the Insured. The Insured shall seriously implement the reasonable suggestions put forward by the Company and accepted by the Insured. Otherwise, the Company shall have the right to increase the premium or to terminate the Policy.

Claims Procedure
Article 17  When the Insured receives claims by the client or knows something may cause claims, he/she shall promptly notify the Company and provide the claim documents or materials as required by the Company.
Article 18  When the Insured claims against the Company for indemnification, the following documents or materials shall be submitted to the Company:
(1) Original Insurance Policy;
(2) The Qualification Certificate, Professional Certificate and Labor Contract of the professional practitioners causing claims;  
(3) Certificate for Insurance Agency Practitioner, Certificate for Insurance Broking Practitioner and the copy of Business License;
(4) The Contract made by and between the Insured and the client pertaining to the claims;
(5) Application for Indemnification of the Insured;
(6) Other relevant documents that may determine the nature, cause and extent of loss or damage of the insured event.
Article 19  At the occurrence of any indemnification under this Policy, the Insured or his/her representative shall, without the written consent of the Company, not give any promise, offer, payment, agreement or indemnification to the party claiming for indemnification. If necessary, the Company shall have the right to take over the settlement for any defense or indemnification of the lawsuit in the name of the Insured.
Article 12  Upon the occurrence of an insured event, in the event that an overlapping insurance exists, the Company shall only bear the obligation pro rata indemnity.
Article 21  Where the annual operating revenue supplied by the Insured is less than the total operating revenue of twelve (12) months prior to the insuring, the Company shall, upon the occurrence of an insured event, bear the proportional indemnity; in the event the Insured has commenced his/her business no more than twelve (12) months when insuring, the annual operating revenue shall be agreed by both parties through negotiation. At the occurrence of an Insured event, where the Insured has commenced his/her business more than twelve (12) months and the total revenue of the first twelve (12) months exceeds the annual operating revenue as agreed, the Company shall bear the proportional indemnity according to the ratio of the total annual revenue as agreed then for the occurrence of an insured event to the actual total operating revenue of the first twelve (12) months.  
Article 22  When the indemnity amount paid by the Insured for one event in accordance with the law exceeds the limit of indemnity for each event as stipulated in the Policy, the Company shall indemnify the proportional litigation expenses according to the limit of indemnity for each event and the indemnity amount shall be paid by the insured, but shall not exceed the limit of indemnity of the litigation expense for each event.
Article 23  At receipt of the indemnification from the Company, the Insured may apply with the Company and pro rata pay after the event the premium of the part that has be indemnified, and may reinstate the accumulative limit of indemnity and the accumulative litigation expenses of the same year with the limit of indemnity. However, such reinstating shall be no more than two times.

Miscellaneous
Article 24  Any dispute arising from the performance of the Policy shall be settled through negotiation by and between involved parties. Should no negotiation be reached, the case in dispute shall be submitted to the arbitration institution specified in the Policy Schedule. Where no arbitration institution is specified in the Policy Schedule or no arbitration agreement is reached after disputes, either party may bring a lawsuit to relevant People’s Court with jurisdiction.
Article 25  Definition:
[Insurance agent] refers to an organization that professionally engages in the transaction of insurance business on the behalf within the scope of authority of an insurance company. Such agent shall have the qualifications as stipulated by China Insurance Regulatory Commission, and shall acquire the certificate for running insurance agency business therefrom. In addition, it shall collect the insurance agency charge from an insurance company according to the authority of the insurance company. 
[Insurance broker] refers to an organization engaging in insurance brokerage business in conformity of the qualifications as stipulated by China Insurance Regulatory Commission, and shall acquire the certificate for running insurance brokerage business therefrom.
[Insurance agency] refers to the action of an insurance agent for transaction of insurance business on the behalf within the scope of authority of an insurance company, in which the insurance agent shall collect the insurance agency charge from the insurance company according to the authority of the insurance company.
[Insurance broking] includes direct insurance broking and reinsurance broking.
Direct insurance broking refers to the action that an insurance broker and an insurance applicant enter into a broking contract to supply agency service for concluding an insurance contract between the insurance applicant and the insurance company based on the rights and interests of the insurance applicant or the insured.
Reinsurance broking refers to the action that an insurance broker and the original insurance company enter into a broking contract to supply agency service for the original insurance company and the reinsurance company to arrange reinsurance business based on the interests of the original insurance company.
[Client] refers to an insurance company which entrusts the insured to transact insurance business on the behalf if the insured under the policy is an insurance agent; while it refers to an insurance applicant or the original insurance company who concludes a contract with the insured if the insured under the policy is an insurance broker.  
[Intentional] refers to a mental state of one who knows his/her action will lead to an insured event but still hopes and allows the appearance of such result.
[Retroactive period] refers to a period agreed and specified by the insurance applicant and the company in the policy schedule to determine the time range concerning the occurrence of the negligent action since the company has accepted the insurance. 

Ping An Liability Insurance Clause on the Inspection & Test of Special Equipment (2005)
平安特种设备检验检测责任保险条款（2005）

General Provisions
Article 1  Any special equipment inspection & test organization established in accordance with law, which has been authorized by the special equipment safety regulatory authority of the State and has obtained the relevant qualification certificates, may become the Insured of this Insurance.
Insuring Agreement
Article 2  From the retroactive period as specified in the Policy Schedule to the expiry date of the insurance period, in the event that the Insured engages in the special equipment inspection and test business, and his/her negligent action causes the inspection and test results and the authentication conclusions are seriously inconsistent with the facts, accidents happen to the special equipment during the insurance period, and the user of special equipment or a third party suffers property losses or personal injury, and where the victims claims indemnification from the Insured for the first time during the insurance period, the Company shall, upon the economic compensation liability borne by the Insured in accordance with the law, be liable for indemnification as agreed in the Policy.
(3) Article 3  After the occurrence of an insured event, as for the litigation, arbitration, attorney or authentication expenses paid by the Insured with the written consent of the Company concerning this insured event, the Company shall be liable for indemnification as agreed in the Policy.
Article 4  After the occurrence of an insured event, as for the necessary or reasonable expenses paid by the Insured for mitigating the loss of the user of special equipments or the property losses or personal injury of a third party.
Exclusions
Article 5 The Company shall not bear the liability for indemnification for the losses, expenses and liabilities caused by any of the following reasons:
(1) The intentional or malicious acts of the Insured or his/her representative and employee;
(2) Wars, military acts, armed conflicts, terrorist activities, strikes, riots, civil commotion, theft or rob;
(3) Nuclear reaction, nuclear radiation, nuclear pollution, or other radioactive pollution;
(4) Pollution of gas, land, water and others;
(5) Such natural disasters as fire, explosion, earthquake, storm wind, rainstorm, flood and typhoon, etc.; 
(6) Administrative acts and judicial acts.
Article 6  The Company shall bear no obligation for the losses, expenses and liabilities under any of the following circumstances:
(1) The Insured handles business beyond the registered business scope;
(2) The Insured transfers or entrusts his/her inspection and test tasks to other organization or individual; 
(3) The Insured continues running business after his/her business license is revoked or during the period that he/she is ordered to suspend business; 
(4) The special equipment inspector and tester of the Insured privately accept commission or work in other special equipment inspection & test organization;
(5) The person without a Certificate for Special Equipment Inspection & Test Personnel or relevant qualifications engaging in the special equipment inspection and test business;
(6) Other people handling business in the name of the special equipment inspection and test personnel of the Insured;
(7) Engaging in the special equipment inspection and test business beyond the business areas as specified in the list of the Policy Schedule.
Article 7  The Company shall not be liable for indemnifying for any loss,  expense and liability arising from any of the following items:
(1) The property losses or personal injury of the Insured or his/her employee;
(5) Penalty, fine and punitive indemnity;
(3) Any indemnification of indirect loss or spiritual damage;
(4) Deductibles that shall be borne by the Insured as stipulated in the list of Policy Schedule or otherwise agreed;
(5) The duties agreed at the time when the Insured and the user of special equipment enter into a contract. Even thought no such contract exists, the liability undertaken by the Insured in accordance with the law shall not be limited by this Paragraph;
Article 8 The Company shall bear no obligation for indemnification for other losses, expenses and liabilities beyond the scope of the insurance liabilities.
Limit of Indemnity
Article 9  The total indemnity amount made by the Company for each accident in accordance with the provisions of the third, fourth and fifth paragraphs of this Clause shall not exceed the limit of indemnity as specified therewith in the list of the Policy Schedule; and the highest indemnity amount borne by the Company shall not exceed the accumulative limit of indemnity as specified in the list of the Policy Schedule.
Duties of Insurance Applicant and the Insured
Article 10  The Insurance Applicant shall perform his/her obligation of making an honest representation, together with supplying the roll of all special equipment inspection and test personnel, answer the questions on special equipment inspection and test business and relevant condition put forward by the Company, and fill out the Application based on truth. 
Article 11  Where the Insurance Applicant intentionally conceals facts and fails to perform his/her obligation of making an honest representation, the Company shall have the right to raise defense or terminate this Policy as of the date of the written notice.
Article 11  Unless otherwise agreed, the Insurance Applicant shall pay off the premium on lump sum basis at the conclusion of the Policy. In the event that the Insurance Applicant fails to pay the premium duly in accordance with the agreement, the Company may rescind this Contract within thirty (30) days after the agreed period.
Article 12  The Insured shall strictly abide by Supervisory Regulations Regarding Special Equipment, Management Regulations on Special Equipment Test Organization and other relevant special laws, regulations and provisions of the State, governments and other relevant authorities, strengthening management and adopting reasonable preventive measures to prevent or reduce the occurrence of insured events to the best of his/her abilities. Where the Insured fails to perform his/her duties upon the safety of the subject matter of insurance in accordance with the aforesaid provisions, the Company shall have the right to increase premium or to terminate this Policy.
Article 13  The Company shall have the right to conduct risk evaluation upon the operating risk of the Insured. The Insured shall seriously implement the reasonable suggestions put forward by the Company and accepted by the insured. Where the Insured refuses to accept the reasonable suggestions of the Company, the Company shall have the right to increase premium or to terminate the Policy.
Claims Procedure
Article 14  At receipt of the claims from a special equipment user or a third party, or being aware of the information that may cause claims, the Insured shall notify the Company in good time as well as submit the relevant documents and materials according to the requirements of the Company.
Article 15  When the Insured claims against the Company for indemnification, the following documents or materials shall be submitted to the Company:
(1) Original Insurance Policy;
(2) The Qualification Certificate and Employment Contract of the special equipment inspection and test personnel employed by the Insured receiving the claim;
(3) The copy of the inspection & test organization's Approval Certificate and other relevant documents hold by the Insured;  
(4) The original Inspection and Test Report submitted by the Insured;
(5) Application for Indemnification of the Insured;
(6) Other dada supplied according to the requirements of the Company.
Article 16  The indemnity amount arising from each insured event shall be firstly determined through negotiation by and between the Insured and the Company; should no settlement be reached through negotiation, the indemnity amount shall be limited to the amount that the Insured shall pay as judged by the court or as arbitrated by the arbitration institution, but the amount shall not exceed the limit of indemnity for each event as specified in this Policy Schedule under any circumstances.
Article 17  At the occurrence of any indemnification under this Policy, the Insured or his/her representative shall, without the written consent of the Company, not give any promise, offer, payment, agreement or indemnification to any party claiming for indemnification. If necessary, the Company shall have the right to take over the settlement for any defense or indemnification of the litigation in the name of the Insured.
Article 18  Upon the occurrence of an insured event, in the event that an overlapping insurance exists, the Company shall only bear the obligation pro rata indemnity.
Article 19  Where the annual operating revenue supplied by the Insured is less than the total operating revenue of twelve (12) months prior to the insuring, the company shall, upon the occurrence of an insured event, bear the proportional indemnity; in the event the Insured has commenced his/her business no more than twelve (12) months when insuring, the annual operating revenue shall be agreed by both parties through negotiation. At the occurrence of an insured event, where the Insured has commenced his/her business more than twelve (12) months and the total revenue of the first twelve(12) months exceeds the annual operating revenue as agreed, the Company shall bear the proportional indemnity according to the ratio of total annual revenue as agreed then for the occurrence of an insured event to the actual total operating revenue of the first twelve (12) months.  
Article 20  At receipt of the indemnification from the Company, the Insured may apply for with the Company and pro rata pay after the event the premium of the part that has be indemnified, and may reinstate the accumulative limit of indemnity. However, such reinstating shall be no more than two times.
Miscellaneous
Article 21  Any dispute arising from the performance of the Policy shall be settled through negotiation by and between involved parties. Should no negotiation be reached, the case in dispute shall be submitted to the arbitration institution specified in the Policy Schedule. Where no arbitration institution is specified in the Policy Schedule or no arbitration agreement is reached after disputes, either party may bring a lawsuit to relevant people’s court with jurisdiction.
Article 22  Definition:
[Special equipment] refers to such high-risk equipments as boiler, pressure vessel (including air cylinder), pressure pipeline, elevator, lifting machinery, passenger ropeway and large recreation facility pertaining to life safety. The specific definition shall be governed by the provisions of Article 88 under Regulations on Safety Supervision for Special Equipment of the People’s Republic of China.
[Special equipment inspection and test personnel] refers to the personnel engaging in special equipment inspection and test business as authorized by the special equipment safety regulatory authority of the State and obtaining the relevant qualification certificates.
[Special equipment inspection and test business] refers to the following items:
(1) Supervision and inspection over the manufacturing process of boiler, pressure vessel, pressure pipe unit, lifting machinery and large recreation facility;
(2) Supervision, inspection and acceptance over special equipment that are equipped at site and given considerable maintenance and renovation;
(3) Regular inspection over special equipments in use;
(4) Inspection over special equipments and relevant products.
[Retroactive period] refers to a period agreed and specified by an insurance applicant and the Company in the Policy Schedule to determine the time range concerning the occurrence of the negligent action since the Company has accepted the Insurance. It shall commence after the first date of the retroactive period to the time prior to the commencement of the insurance period.
[Intentional] refers to a mental state of one who knows his/her action will lead to an insured event but still hopes and allows the appearance of such result.
Other technical terms other than the above definition shall be interpreted in accordance with relevant laws, regulations.

Ping An Rider on The Liability of Inspection Process (2005)
平安附加检验过程责任保险条款（2005）

Article 1  This Insurance is the Rider of Ping An Liability Insurance Clause on the Inspection & Test of Special Equipment (hereinafter referred to as “the Master Policy”). It may not be separately applied for. The Insurance Applicant shall insure the Rider on the basis of insuring the Master Policy.
Where there is any discrepancy between the Rider and the Master Policy, the articles of the Rider shall prevail. Those matters not referred to in this Rider, the provisions of the Master Policy shall be applied.
Article 2  In the insurance period of the Rider, in the event that the Insured engages in special equipment inspection and test business within the scope of business areas as specified in the list of the Policy Schedule, and the accident arising from his/her improper inspection method causes the loss of such equipment or a third party suffers personal injury or death, and where the victims claims indemnification from the Insured for the first time during the insurance period, the Company shall, upon the economic compensation liability borne by the Insured in accordance with the law, be liable for the indemnification as agreed in the Policy
Article 3  The indemnity amount borne by the Company for each event as stipulated in this Rider shall not exceed RMB 1,000,000; and the accumulative indemnity amount borne by the Company as stipulated in the Rider shall not exceed RMB 10,000,000 in the insurance period.

Ping An Rider on The Liability Insurance of Radioactive Pollution (2005)
平安附加放射性污染责任保险条款（2005）

Article 1  This Insurance is the Rider of Ping An Liability Insurance Clause on the Inspection & Test of Special Equipment (hereinafter referred to as “the Master Policy”). It may not be separately applied for. The Insurance Applicant shall insure the rider on the basis of insuring the Master Policy.
Where there is any discrepancy between the rider and the Master Policy, the articles of the Rider shall prevail. For those matters not referred to in this Rider, the provisions of the Master Policy shall be applied.
Article 2  From the retroactive period as specified in the Policy Schedule to the expiry date of the insurance period, in the event that the Insured engages in special equipment inspection and test business within the scope of business areas as specified in the list of the Policy Schedule, and the accident arising from the application of apparatus with radioactive source in accordance with relevant provisions causes radioactive pollution and a third party thereby suffers personal injury or death, and where the victims claims indemnification from the Insured for the first time during the insurance period, the Company shall, upon the economic compensation liability borne by the Insured in accordance with the law, be liable for the indemnification as agreed in the Policy
Article 3  The indemnity amount borne by the Company for each event as stipulated in this Rider shall not exceed RMB 500,000; and the accumulative indemnity amount borne by the Company as stipulated in the Rider shall not exceed RMB 5,000,000 in the insurance period.

平安旅行社责任保险条款（2004）

总则
第一条  为了保障旅行社和旅行团员的合法权益，化解旅行社经营风险，特制定本条款。
第二条  凡在中华人民共和国境内依法设立并登记注册、合法经营的旅行社均可成为本保险的被保险人。
保险责任
第三条  在本保险期间内，旅行团员按照预定的旅行行程、在被保险人安排的旅游过程中发生意外事故导致人身伤亡，对依法应当由被保险人承担的经济赔偿责任，本公司根据本条款的规定在保险单约定的赔偿限额内负责赔偿。
第四条  在本保险期间内，旅行团员按照预定的旅行行程、在被保险人安排旅游过程中发生意外事故导致人身伤亡，旅行团员或其近亲属提出精神损害赔偿的，对经人民法院依法判决的、被保险人应承担的精神损害赔偿责任，本公司根据本条款的规定在保险单约定的赔偿限额内负责赔偿。
第五条  在本保险期间内，旅行团员按照预定的旅行行程、在被保险人安排旅游过程中发生的下列财产损失、费用增加，依法应当由被保险人承担的，本公司根据本条款的规定在约定的赔偿限额内负责赔偿：
（一）旅行团员的行李物品损坏、遭盗窃、抢劫；
（二）旅行团员被海关拒绝入境导致的经济损失或必要、合理费用的增加；
（三）旅行团员的旅游证件（不包括机票、信用卡、现金、旅行支票、居民身份证）遗失，因补办证件发生的必要、合理费用；
（四）旅行团员因交通工具的迟延导致的必要、合理费用的增加，但承运人已经赔偿的部分除外；
（五）因交通意外事故或自然灾害的发生导致旅游费用的必要、合理增加；
（六）旅行团员发生意外事故后，因需将随行的未成年人或60岁以上的长者提前送返而额外增加的必要、合理费用。
第六条  发生本条款第三、四、五条列明的保险事故后，被保险人实际支付的事先经本公司书面同意的、必要、合理的诉讼费用，本公司根据本条款的规定在保险单约定的赔偿限额内负责赔偿。
第七条  发生本条款第三、四、五条列明的保险事故后，对被保险人为避免、减少损失所发生的必要、合理的费用，本公司根据本条款的规定在保险单约定的赔偿限额内负责赔偿。
责任免除
第八条  本公司对下列原因造成的损失、费用和责任不予赔偿：
（一）被保险人或其代表、雇员的故意行为；
（二）战争、类似战争行为、敌对行为、军事行动、武装冲突、罢工、骚乱、暴动；
（三）政府行为，但不包括海关拒绝入境行为；
（四）核反应、核子辐射或放射性污染；
（五）地震、火山爆发、龙卷风；
（六）旅行团员自身健康原因或其故意、重大过失。
第九条  下列情形，本公司不负赔偿责任：
（一）被保险人无相应的资质或被保险人委托无相应资质的单位、个人安排、组织旅行团员旅游；
（二）被保险人超越其经营范围。
第十条  本公司对下列损失、费用及责任，不承担赔偿责任：
（一）被保险人及其雇员的任何损失，但已事先申报并按约定支付保险费的、由被保险人指派参与旅游行程的领队或导游，不受此限；
（二）接受被保险人委托的单位或个人的任何损失；
（三）被保险人与他人签订的协议所约定的责任；但即使没有这种协议依法应由被保险人承担的责任,不受此限；
（四）任何间接损失；
（五）任何罚款、罚金或惩罚性赔款；
（六）除非另有约定，在预定的旅行行程以外时间、地点发生的任何损失；
（七）除非另有约定，未载入旅行团员名册的任何人的任何损失；
（八）旅行团员在参加赛车、赛马、攀崖、无动力滑翔、探险性漂流、潜水、高山滑雪、滑板、跳伞、热气球、蹦极、冲浪等高风险活动发生的任何人身伤害、精神赔偿、财产损失。
第十一条  本公司对下列财产的损失不予赔偿：
移动通讯工具、笔记本电脑、摄像机、照相机、手表、金银、首饰、珠宝、文物、字画、数据、现金、信用卡、票据、单证、有价证券、文件、账册、技术资料的损失。
但笔记本电脑、摄像机、照相机、移动通讯工具因意外事件遭受的损坏以及在被保险人直接保管下因盗窃、抢劫而遭受的损失不受此限。
第十二条  其他不属于本保险责任范围的损失、费用和责任，本公司不予赔偿。
赔偿限额
第十三条  本公司对每人承担的本条款第三、四、五、六、七条的经济赔偿责任不超过保险单约定的每人赔偿限额；对每人承担的本条款第五、七条的赔偿金额不超过保险单约定的每人财产赔偿限额。
本公司对每人承担的医疗费用金额不超过保险单约定的每人医疗费用赔偿限额。
本公司对每次事故承担的最高赔偿金额不超过保险单约定的每次事故赔偿限额。
保险期间
第十四条  除非另有约定，本保险的保险期间为一年。凡旅行行程的起期在本保险期间内的，本保险责任自动延展至该旅行行程结束之日。
赔偿处理
第十五条  被保险人向本公司申请赔偿时，应提交：
（一）出险通知书；
（二）旅游合同及旅行团员名册；
（三）被保险人与旅行团员或其法定继承人所签订的赔偿协议书或和解书；
（四）保险单正本；
（五）事故证明书；
（六）因盗窃、抢劫发生财产损失的，须提供公安机关刑事立案证明、财产来源证明；
（七）在被保险人保管期间发生的财产损失，须提供相应的保管凭证；
（八）损失、费用清单；
（九）经裁判或仲裁的，应提供裁判文书或仲裁裁决文书；
（十）其他可以证明事故原因、损失情况的必要材料。
第十六条  发生财产损失的，应当尽量修复。修理前被保险人须会同保险人检验，确定修理项目、方式和费用。否则，保险人有权重新核定或拒绝赔偿。
第十七条  因第三方全部或部分责任导致旅行团员人身伤害或财产损失的，本公司按以下约定负责赔偿本保险条款第三、四、五条项下所规定的赔偿款项：
（一）第三方未赔偿其依法应付的赔偿金，本公司按本保险单约定计算赔偿金额。
（二）第三方已赔偿其依法应付的赔偿金的：
1．第三方承担的本保险责任范围内的赔偿金低于按本条款的规定计算的赔偿金，本公司负责赔偿按照本条款的规定计算的赔偿金与第三方已付的本保险责任范围内的赔偿金的差额部分；
2．第三方承担的本保险责任范围内的赔偿金高于按本保险约定计算的赔偿金，本公司不负责赔偿。
第十八条  发生保险责任事故后，未经本公司书面同意，被保险人或其代表不得对索赔方做出任何承诺、拒绝、出价、约定、付款或赔偿。在必要时，本公司有权以被保险人的名义对诉讼进行抗辩或处理有关索赔事宜。
第十九条  必要时，本公司有权以被保险人的名义，为本公司的利益自负费用向有关责任方提出索赔要求。未经本公司书面同意，被保险人不得自行接受有关责任方就有关损失做出付款或赔偿安排或放弃向有关责任方索赔的权利。否则，由此引起的后果将由被保险人承担。
第二十条  发生本保险责任范围内的损失，应由有关责任方负责赔偿的，被保险人应采取一切必要的措施向有关责任方索赔。本公司自向被保险人赔付之日起，取得在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利。在本公司向有关责任方行使代位请求赔偿权利时，被保险人应当积极协助，并提供必要的文件和所知道的有关情况。
第二十一条  本公司在收到被保险人的赔偿请求后，应及时做出核定，对属于保险责任的，在与被保险人达成有关赔偿协议后10日内，履行赔偿义务。
第二十二条  如被保险人有重复保险的情况，本公司仅负按比例赔偿的责任。
第二十三条  保险人受理报案、进行现场查勘、核损定价、参与案件诉讼、向被保险人提供建议等行为，均不构成保险人对赔偿责任的承诺。
投保人及被保险人义务
第二十四条  投保人应履行如实告知义务，对投保申请书中所列明的事项以及本公司提出的其他事项做出真实、详尽的说明或描述。投保人故意隐瞒事实，不履行如实告知义务的，本公司有权拒绝赔偿或自书面通知起解除保险合同。
第二十五条  投保人应按约定如期缴付保险费。投保人未按约定缴付保险费的，本公司不承担赔偿责任，并可在约定期限后的十五天内解除本合同。
第二十六条  被保险人在组织、安排旅游行程开始前，应将旅行团员名册以数据电文、书面方式提交本公司；旅行团员名册需要变更的，被保险人应及时通知本公司，旅行团员名册的变更经本公司以数据电文、书面方式同意后生效。被保险人未履行本通知义务，因保险标的危险程度增加而发生的保险事故，本公司不承担赔偿责任。
第二十七条  被保险人在组织、安排旅游行程开始前，应将预定的旅行行程以数据电文、书面方式通知本公司；预定的旅行行程需要变更的，被保险人应及时通知本公司，预定的旅行行程的变更经本公司以数据电文、书面方式同意后生效。被保险人未履行本通知义务，因保险标的危险程度增加而发生的保险事故，本公司不承担赔偿责任。
第二十八条  在保险期间内，保险重要事项变更或保险标的危险程度增加的，投保人应及时书面通知本公司。被保险人未履行本通知义务，因保险标的危险程度增加而发生的保险事故，本公司不承担赔偿责任。
第二十九条  被保险人应遵守国家有关的法律法规，不得超范围经营。对被保险人超范围经营而发生的保险事故，本公司不承担赔偿责任。
第三十条  被保险人就旅游安全情况应事先对旅行团员给予充分提醒、劝戒、警告，并对有可能发生的旅游意外事故采取有效的预防措施。被保险人未尽安全管理义务，本公司有权要求增加保险费或者解除本保险合同。
第三十一条  发生本保险责任范围的事故时，被保险人或其代表人应：
（一）立即通知本公司，并在七天或经本公司书面同意延长的期限内以书面说明事故发生的原因、经过和损失程度；对未及时通知导致本公司无法对事故原因、经过、损失程度进行合理查勘的，本公司有权拒绝赔偿。
（二）尽力采取一切必要措施防止损失的进一步扩大并将损失减少到最低程度；否则，对因此扩大的损失，本公司不负责赔偿。
（三）发生涉及治安案件的事故，及时向相关保安部门及当地公安机关报案。否则，对因未及时报案而扩大的赔偿责任，本公司不负责赔偿。
第三十二条  被保险人获悉可能引起诉讼时，应立即以书面形式通知本公司，当接到法院传票或其他法律文书后，应及时送交本公司。否则，对因此扩大的赔偿责任，本公司不负责赔偿。
争议处理
第三十三条  有关本保险合同的争议应协商解决。如不能协商解决的，可以选择以下两种方式之一来解决：
（一）提交______________仲裁委员会仲裁；
（二）向有管辖权的人民法院起诉。
第三十四条  因本保险合同产生的争议适用中华人民共和国法律。

释义：
〖旅行团员〗是指：
一、与被保险人签订旅游服务合同、接受被保险人提供的旅游服务的权利人；
二、与其他旅行社签订旅游服务合同、因被保险人接受该旅行社的委托、接受被保险人提供的旅游服务的权利人；
三、事先经本公司同意的导游、领队。

平安特殊旅游项目责任附加险条款（2004）

第一条  本保险为平安旅行社责任保险条款（2004版）（以下简称：主险）的附加险，不能单独投保，投保人只有在投保主险的基础上方可投保本附加险。
本附加险条款与主险条款不一致的，以本附加险条款为准；本附加险条款未规定的，适用主险条款的规定。
第二条  在本附加险保险期间内，旅行团员按照预定的旅行行程、在参加被保险人安排的赛车、赛马、攀崖、无动力滑翔、探险性漂流、潜水、高山滑雪、滑板、跳伞、热气球、蹦极、冲浪等具有高风险的旅游活动过程中发生意外事故所致的人身伤亡：
（一）对依法应由被保险人承担的经济赔偿责任，本公司根据本附加险条款的规定在约定赔偿限额内负责赔偿。
（二）旅行团员或其近亲属提出精神损害赔偿的，对经人民法院依法判决的、被保险人应承担的精神损害赔偿责任，本公司根据本附加险条款的规定在保险单约定的赔偿限额内负责赔偿。
第三条  本附加险不另设赔偿限额，投保本附加险并不导致赔偿限额的增加。
第四条  旅行团员所参加的高风险活动的经营者无相应的经营资格的，本公司不负赔偿责任。
第五条  发生本附加险第二条所规定的保险事故，本公司不负责赔偿任何财产损失。
第六条  被保险人在安排旅行团员参加本附加险条款第二条所称各项高风险活动前应向旅行团员说明该活动的危险性以及所应采取的预防措施；并在活动过程中采取各类安全防范措施，以避免意外事故发生。
 
 

平安保险中介机构职业责任保险条款（2005）

总则
第一条  为了促进保险中介行业的健康发展，保障委托人的合法利益,增强保险代理、经纪机构的风险抵御能力，特开办本保险。
第二条  凡在中国境内（香港、澳门、中国台湾除外）依法设立的保险代理、经纪机构均可向本公司投保本保险，成为本保险的被保险人。

保险责任
第三条  自保险单列明的追溯期起始日开始，至保险期间终止日的期间内，被保险人在从事保险单约定的保险代理或保险经纪过程中，因过失未尽其业务上应尽之责任及义务，造成委托人的经济损失，并且委托人在保险期间内依据中国法律（不包括香港、澳门、中国台湾的法律）首次向被保险人提出索赔，对依法应由被保险人承担的经济赔偿责任，本公司根据本合同的规定，在约定的赔偿限额内负责赔偿。
第四条  发生保险事故后，被保险人所支付的事先经本公司书面同意的有关仲裁或诉讼费用，本公司在本合同约定的诉讼费用赔偿限额内负责赔偿。
第五条  发生保险事故后，被保险人为避免、减轻对委托人的损害，防止损失扩大所支付的必要、合理的费用，本公司根据本条款的规定在约定的赔偿限额内负责赔偿。

责任免除
第六条  因下列原因造成的任何损失和费用，本公司不负责赔偿：
（一）被保险人及其代表的欺诈、恶意串通或其他故意行为；
（二）被保险人从事的保险中介业务超出中国保险监督管理委员会核定的以及营业执照规定的经营范围和经营区域；
（三）被保险人超越委托人的授权范围所办理的业务；
（四）无有效《保险代理从业人员资格证书》、《保险经纪从业人员资格证书》及相应执业证书的人员所经办的保险中介业务；
（五）被保险人的保险中介从业人员未经被保险人同意私自承办的业务或在其他保险中介机构执业承办的业务；
（六）挪用、侵占保险费或保险金、赔款；
（七）被保险人泄漏委托人的商业秘密或对其进行诽谤；
（八）地震、海啸、雷电、洪水、暴雨、台风、龙卷风、地面下沉下陷等自然灾害或火灾、爆炸等意外事故；
（九）战争、军事行动、恐怖活动、罢工、暴乱、盗窃、抢劫；
（十）行政行为或司法行为。
第七条  对下列各项损失和费用，本公司也不负责赔偿：
（一）投保人在投保前已经知道或可以合理预见的索赔情况；
（二）被保险人在《经营保险代理业务许可证》或《经营保险经纪业务许可证》或营业执照被注销、撤回、吊销期间所造成的任何损失；
（三）被保险人与委托人未订立书面委托合同的情况下发生的索赔；
（四）被保险人与委托人签订的协议中所约定的责任，但即使没有该协议，被保险人也应依法承担的责任不在此限；
（五）被保险人对委托人或第三者的身体伤害及有形财产的毁损或灭失；
（六）委托人非依据中国法律（不包括香港、澳门、中国台湾的法律）向被保险人提出的索赔；
（七）任何精神损害赔偿。
第八条  本合同规定的应由被保险人自行负担的免赔额，本公司不负责赔偿。
第九条  其他不属于本条款第三至五条规定的保险责任范围内的损失、费用和责任，本公司不负责赔偿。

赔偿限额
第十条  本公司对每次事故承担的本条款第三、四、五条规定的赔偿金额合计不得超过本保险单明细表中列明的每次事故赔偿限额；对每次事故承担的本条款第四条规定的诉讼费用赔偿金额不得超过本保险单明细表中列明的每次事故诉讼费用赔偿限额。
在本合同保险期间内，本公司承担的本条款第三、四、五条规定的总赔偿金额不超过本保险单明细表中列明的累计赔偿限额，本条款第四条规定的诉讼费用赔偿金额不得超过本保险单明细表中列明的诉讼费用累计赔偿限额。

投保人和被保险人义务
第十一条  投保时，投保人应向本公司如实填写投保申请书。投保人故意隐瞒事实，不履行如实告知义务的，本公司有权拒绝赔偿或自书面通知起解除保险合同。
第十二条  投保人应在投保时将其正式聘用的保险中介从业人员名单及聘用证明提交本公司。否则，本公司有权解除合同。
第十三条  在保险期间内，被保险人的保险中介从业人员发生变动，被保险人应在三个月之内将人员变动的名单提供给本公司。从业人员的执业资格由国家法定部门认定。被保险人未履行本通知义务，因保险标的危险程度增加而发生的保险事故，本公司不承担赔偿责任。
第十四条  投保人应当按保险合同约定交付保险费。投保人未按约定缴付保险费的，本公司不承担赔偿责任，并可在约定期限后的十五天内解除本合同。
第十五条  被保险人应当遵守国家有关规定，尽职尽责地维护委托人的合法权益。否则，本公司有权要求增加保险费或者解除本保险合同。
第十六条  本公司有权对被保险人的经营风险状况进行风险评估，对本公司提出的经被保险人同意接受的合理建议，被保险人应认真付诸实施。否则，本公司有权要求增加保险费或者解除本保险合同。

赔偿处理
第十七条  被保险人在接到委托人的索赔请求或知道可能引起索赔的信息时，应及时通知本公司，并按本公司的要求提供索赔文件或材料。
第十八条  被保险人向本公司提出赔偿请求时，应向本公司提供下列文件或材料：
（一）保险单正本；
（二）引起索赔的从业人员的资格证书、执业证书及劳动合同；
（三）《经营保险代理业务许可证》或《经营保险经纪业务许可证》以及营业执照副本；
（四）被保险人与委托人签订的与索赔有关的委托合同；
（五）被保险人的赔偿请求申请书；
（六）可以确认保险事故的性质、原因、损失程度等的其它有关单证。
第十九条  发生任何本合同项下的索赔时，未经本公司书面同意，被保险人或其代表对索赔方不得做出任何承诺、出价、付款、约定或赔偿。在必要时，本公司有权以被保险人的名义接办对任何诉讼的抗辩或索赔的处理。
第二十条  发生保险事故时，如存在重复保险的情况，本公司仅负按比例分摊赔偿的责任。
第二十一条  如被保险人提供的年业务收入低于其投保前12个月业务收入总额的，当发生保险事故时，本公司将按比例赔偿；如被保险人在投保时其成立时间不足12个月，年业务收入总额由双方协商约定，当发生保险事故时，如被保险人开业已达12个月且头12个月业务收入总额已超过约定的年业务收入总额，本公司将按发生保险事故当时的约定年业务收入总额与实际已发生的头12个月业务收入总额进行比例赔偿。
第二十二条  当被保险人依法应负的一次事故的赔偿数额超过保险合同规定的每次事故赔偿限额时，本公司按每次事故赔偿限额与被保险人应负的赔偿数额的比例赔付诉讼费用，但最高不超过每次事故诉讼费用赔偿限额。
第二十三条  被保险人得到本公司赔偿后，可向本公司提出申请，并按比例补交已赔偿部分的保险费，可以将当年累计赔偿限额及累计诉讼费用赔偿限额恢复。但恢复次数最多不超过2次。

其它事项
第二十四条  因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁委员会仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，可向有管辖权的人民法院起诉。
第二十五条  定义：
【保险代理机构】是指符合中国保监会规定的资格条件，经中国保监会批准取得经营保险代理业务许可证，根据保险公司的委托，向保险公司收取保险代理手续费，在保险公司授权的范围内专门代为办理保险业务的单位。
【保险经纪机构】是指符合中国保监会规定的资格条件，经中国保监会批准取得经营保险经纪业务许可证，经营保险经纪业务的单位。
【保险代理】是指保险代理机构根据保险公司的委托，向保险公司收取保险代理手续费，在保险公司授权的范围内专门代为办理保险业务的行为。
【保险经纪】保险经纪包括直接保险经纪和再保险经纪。
直接保险经纪是指保险经纪机构与投保人签订委托合同，基于投保人或者被保险人的利益，为投保人与保险公司订立保险合同提供中介服务，并按约定收取佣金的行为。
再保险经纪是指保险经纪机构与原保险公司签订委托合同，基于原保险公司的利益，为原保险公司与再保险公司安排再保险业务提供中介服务，并按约定收取佣金的行为。
【委托人】本合同的被保险人为保险代理机构时，委托人指委托被保险人专门代为办理保险业务的保险公司；本合同的被保险人为保险经纪机构时，委托人指与被保险人签订委托合同的投保人或原保险公司。
【故意】明知自己的行为会导致保险事故的发生，而希望和放任这种结果出现的一种心理状态。
【追溯期】是指为确定本公司承保的过失行为发生的时间范围，由投保人与本公司约定并在保险单中列明的某个日期。

平安特种设备检验检测责任保险条款（2005）

总则
第一条  凡经国家特种设备安全监督管理部门核准，取得相应资质证书，依法成立的特种设备检验检测机构，均可作为本保险的被保险人。
保险责任
第二条  自保险单列明的追溯期起始日开始，至保险期间终止日的期间内，被保险人在保险单明细表中列明的经营区域范围内从事特种设备检验检测业务中，因过失行为导致检验检测结果、鉴定结论严重失实，致使特种设备在保险期间内发生意外事故，造成特种设备使用单位或其他第三者的财产损失或人身伤亡，且受害人在保险期间内首次向被保险人提出索赔的，对依法应由被保险人承担的经济赔偿责任，本公司根据保险合同的约定负赔偿责任。
第三条  发生保险事故后，被保险人支付的经本公司事先书面同意的涉及该保险事故的诉讼费、仲裁费、律师费或鉴定费，本公司根据保险合同的约定负赔偿责任。
第四条  发生保险事故后，被保险人为减少特种设备使用单位或其他第三者财产损失或人身伤亡所支付的必要的合理的费用，本公司根据保险合同的约定负责赔偿。
责任免除
第五条  下列原因造成的损失，费用和责任，本公司不负责赔偿：
（一）被保险人或其代表及雇员的故意或恶意行为；
（二）战争、军事行动、武装冲突、恐怖活动、罢工、暴动、民众骚乱、盗窃、抢劫；
（三）核反应、核幅射、核污染及其他放射性污染；
（四）大气、土地和水污染及其他污染；
（五）火灾、爆炸、地震、暴风、暴雨、洪水、台风等自然灾害；
（六）行政行为或司法行为。
第六条  下列情形下，发生的损失、费用、责任，本公司也不负责赔偿：
（一）被保险人超越核定业务范围办理的业务；
（二）被保险人将检验检测任务转让、委托给其他单位或个人完成的；
（三）被保险人被吊销营业许可证后或被责令停业整顿期间继续办理的业务；
（四）被保险人的特种设备检验检测人员私自接受委托或者在其他特种设备检验检测机构执业；
（五）无有效的《特种设备检验检测人员证书》或不具备相应资格等级的人员从事特种设备检验检测业务；
（六）他人冒用被保险人的特种设备检验检测人员的名义办理业务；
（七）在保险单明细表中列明的经营区域外，从事特种设备检验检测业务。
第七条  下列损失、费用和责任，本公司不负责赔偿：
（一）被保险人或其雇员的财产损失或人身伤亡；
（二）罚款、罚金及惩罚性赔偿；
（三）任何间接损失、精神损害赔偿；
（四）保险单明细表或其他约定中规定的应由被保险人自行负担的免赔额；
（五）被保险人与特种设备使用单位签订合同时所约定的责任，但即使没有这样的合同，依法仍应由被保险人承担的不在此列；
第八条  其他不属于保险责任范围内的损失、费用和责任，本公司不负责赔偿。
赔偿限额
第九条  本公司对每次事故承担的本条款第二、三、四条规定的赔偿金额之和不超过保险单明细表中列明的每次事故赔偿限额;在本合同保险期间内，本公司承担的最高赔偿金额不超过保险单明细表中列明的累计赔偿限额。
投保人、被保险人义务
第十条  投保人应履行如实告知义务，提供全部在册特种设备检验检测人员名单，如实回答本公司对特种设备检验检测业务及有关情况提出的询问，并如实填写投保单。投保人故意隐瞒事实，不履行如实告知义务的，本公司有权拒绝赔偿或自书面通知起解除保险合同。
第十一条  除另有约定外，投保人应在保险合同成立时一次性支付保险费。投保人未按约定支付保险费的，本公司可在约定期限后的三十天内解除本合同。
第十二条  被保险人应严格遵守《特种设备监察条例》、《特种设备检测机构管理规定》以及国家及政府有关部门特定的其他相关法律、法规及规定，加强管理，采取合理的预防措施，尽力避免或减少责任事故的发生。被保险人未按以上规定履行其对保险标的安全应尽的责任的，本公司有权要求增加保险费或者解除本保险合同。
第十三条  本公司有权对被保险人的经营风险状况进行风险评估，对本公司提出的经被保险人同意接受的合理建议,被保险人应认真付诸实施。被保险人拒不接受本公司的合理建议的，本公司有权要求增加保险费或者解除本保险合同。
赔偿处理
第十四条  接到特种设备使用单位或其他第三者的索赔请求或知道可能引起索赔的信息时，应及时通知本公司，并按本公司的要求提供请求赔偿文件或材料。
第十五条  被保险人向本公司提出赔偿请求时，应向本公司提供下列文件或材料：
（一）保险单正本；
（二）引起索赔的被保险人所聘用的特种设备检验检测人员资格证书及聘用合同；
（三）被保险人持有的检验检测机构核准证副本及有关文件；
（四）被保险人出具的检验检测报告正本；
（五）被保险人的赔偿请求申请书；
（六）本公司要求提供的其他资料。
第十六条  对每次保险事故引起的赔偿金额，首先由被保险人和本公司协商确定，协商达不成协议的，以法院判决或仲裁机关裁决的应由被保险人的偿付的金额为限，但在任何情况下，均不得超过本保险单列明的每次事故赔偿限额。
第十七条  发生任何本合同项下的索赔时，未经本公司书面同意，被保险人或其代表对索赔方不得做出任何承诺、出价、付款、约定或赔偿。在必要时，本公司有权以被保险人的名义接办对任何诉讼的抗辩或索赔的处理。
第十八条  发生保险事故时，如存在重复保险的情况，本公司仅负按比例分摊赔偿的责任。
第十九条  如被保险人提供的年业务收入低于其投保前12个月业务收入总额的，当发生保险事故时，本公司将按比例赔偿；如被保险人在投保时其成立时间不足12个月，年业务收入总额由双方协商约定，当发生保险事故时，如被保险人开业已达12个月且头12个月业务收入总额已超过约定的年业务收入总额，本公司将按发生保险事故当时的约定年业务收入总额与实际已发生的头12个月业务收入总额进行比例赔付。
第二十条  被保险人得到本公司赔偿后，可向本公司提出申请，并按比例补交已赔偿部分的保险费，可以将当年累计赔偿限额恢复，但恢复次数最多不超过2次。
其他事项
第二十一条  因履行本保险合同发生的争议，由当事人协商解决。协商不成的，提交保险单载明的仲裁委员会仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，可向有管辖权的人民法院起诉。
第二十二条  定义
【特种设备】是指涉及生命安全、危险性较大的锅炉、压力容器（含气瓶）、压力管道、电梯、起重机械、客运索道、大型游乐设施。具体含义以《中华人民共和国特种设备安全监察条例》第八十八条的规定为准。
【特种设备检验检测人员】是指经国家特种设备安全监督管理部门组织考核合格，取得检验检测人员证书，从事特种设备检验检测业务的人员。
【特种设备检验检测业务】是指下列各项:
（一）对锅炉、压力容器、压力管道元件、起重机械、大型游乐设施的制造过程进行监督检验；
（二）对现场安装、重大维修和改造的特种设备进行监督检验和验收检验；
（三）对在用特种设备进行定期检验；
（四）对特种设备及相关产品进行试验。
【追溯期】是指为确定本公司承保的过失行为发生的时间范围，由投保人与本公司约定并在保险单中列明的自追溯期起始日之后，到保险期间开始之前的某个时间段。
【故意】明知自己的行为会导致保险事故的发生，而希望和放任这种结果出现的一种心理状态。
除以上定义外，对其他专业术语的理解，以相关法律法规的解释为准。

平安附加检验过程责任保险条款（2005）

第一条  本保险为特种设备检验检测责任保险（以下简称：主险）的附加险，不能单独投保。投保人只有在投保主险的基础上方可投保附加险。
附加险条款与主险条款不一致的，以附加险条款为准；附加险未规定的，适用主险条款的规定。
第二条  在本附加险保险期间内，被保险人在保险单明细表中列明的经营区域范围内从事特种设备检验检测业务中，因检验方法不当发生意外事故造成该特种设备本身的损失或第三者人身伤亡，且受害人在保险期间内首次向被保险人提出索赔的，对依法应由被保险人承担的经济赔偿责任，本公司根据保险合同的约定负赔偿责任。
第三条  本公司对每次事故承担的本附加险规定的赔偿金额不超过人民币100万元；在保险期间内，本公司承担的本附加险规定的赔偿金额累计不超过人民币1000万元。

平安附加放射性污染责任保险条款（2005）

第一条  本保险为特种设备检验检测责任保险（以下简称：主险）的附加险，不能单独投保。投保人只有在投保主险的基础上方可投保附加险。
附加险条款与主险条款不一致的，以附加险条款为准；附加险未规定的，适用主险条款的规定。
第二条  自保险单列明的追溯期起始日开始，至保险期间终止日的期间内，被保险人在保险单明细表中列明的经营区域范围内从事特种设备检验检测业务中，因按照相关规定使用含有放射源的仪器时发生意外事故造成放射性污染，导致第三者在保险期间内的人身伤亡，且受害人在保险期间内首次向被保险人提出索赔的，对依法应由被保险人承担的经济赔偿责任，本公司根据保险合同的约定负赔偿责任。
第三条  本公司对每次事故承担的本附加险规定的赔偿金额不超过人民币50万元；在保险期间内，本公司承担的本附加险规定的赔偿金额累计不超过人民币500万元。
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