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财产险常用附加条款中英对比

作者:理财知识库|日常网上理财宝典「主题迷理财知识库」
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日期:2020-02-21 17:54阅读 775724 人
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财产险常用中英文附加条款汇编

目 录 一般附加条款 ........................................................................................................................................................... 6 30天注销保单通知条款/30 Days Notice of Cancellation Clause ................................................................... 6 60天不续保通知条款/60 Days Non-Renewal Notice Clause .......................................................................... 6 理赔控制条款/Claims Control Clause .............................................................................................................. 6 共同被保险人条款/Joint-Insured Clause ......................................................................................................... 7 司法管辖权条款/Jurisdiction Clause ................................................................................................................ 7 指定公估人条款/Loss Adjusters Clause ........................................................................................................... 7 损失通知条款/Loss Notification Clause ........................................................................................................... 8 不受控制条款/No Control Clause .................................................................................................................... 8 不可注销保单条款/Non-Cancellation Clause .................................................................................................. 8 不使失效条款/Non-invalidation Clause ........................................................................................................... 8 预付赔款条款A/Payment on Account Clause ................................................................................................. 9 预付赔款条款B ................................................................................................................................................ 9 分期付费条款A/Premium Installment Clause ................................................................................................. 9 分期付费条款B .............................................................................................................................................. 10 利益可分性条款/Severability of Interest Clause ............................................................................................ 10 放弃代位追偿扩展条款/Waiver of Subrogation Clause ................................................................................ 10 财产险2000年问题除外责任条款/Year 2000 Problem Exclusion Clause ....................................................11 索赔单据条款 ................................................................................................................................................. 12 财产险附加条款 ..................................................................................................................................................... 13 72小时条款/72 Hours Clause ......................................................................................................................... 13 50/50条款(50/50 Clause) ................................................................................................................................ 13 地面突然下陷下沉扩展条款/ Accidental Subsidence of Ground Extension Clause ..................................... 14 定值保险条款/ Agreed Value Insurance Clause ............................................................................................. 14 空运费扩展条款/ Air Freight Fee Extension Clause ...................................................................................... 15 其他物品扩展条款/ All Other Contents Extension Clause ............................................................................ 15 建筑物变动扩展条款/ Alteration of Building Clause .................................................................................... 16 权益转让条款/Assignment Clause ................................................................................................................. 16 自动承保条款/ Automatic Cover Clause ........................................................................................................ 17 自动恢复保险金额条款/ Automatic Reinstatement of Sum Insured Clause .................................................. 18 分摊豁免条款/ Average Relief Clause (20%) ................................................................................................. 18 锅炉、压力容器扩展条款/ Boilers and Pressure Vessels Extension Clause ................................................. 19 商标条款/Brand & Trademark Clause ............................................................................................................ 19 违反条件条款/ Breach of Conditions Clause ................................................................................................. 20 玻璃破碎扩展条款/ Breakage of Glass Extension Clause ............................................................................. 20 玻璃破碎扩展条款 (财产一切险)/ Breakage of Glass Clause (PAR) ............................................... 21 玻璃破碎扩展条款(财产险)/ Breakage of Glass Clause (财产险) ........................................................ 21 盗窃险条款/ Burglary Insurance Clause ......................................................................................................... 21 水箱、水管爆裂扩展条款/ Bursting of Water Tank or Water Pipe Extension Clause ................................... 22 增加资产扩展条款A/ Capital Additions Extension Clause (A) .................................................................... 23 增加资产扩展条款B/ Capital Additions Extension Clause (B) ..................................................................... 23 85%扩展条款/ Co-Insurance Extension Clause (85%) .................................................................................. 24

合同价格扩展条款/ Contract Price Extension Clause .................................................................................... 24 复制费用扩展条款/ Cost of Duplication Extension Clause ........................................................................... 25 清理残骸费用扩展条款/ Debris Removal Expenses Extension Clause......................................................... 25 财物种别条款/ Designation of Property Clause ............................................................................................. 25 索赔单据条款/ Documents Clause ................................................................................................................. 26 地震扩展条款/ Earthquake Extension Clause ................................................................................................ 26 紧急抢险条款/ Emergency Rescue Clause ..................................................................................................... 27 错误和遗漏条款/ Error and Omissions Clause .............................................................................................. 27 自动升值扩展条款/ Escalation Extension Clause .......................................................................................... 28 特别费用扩展条款/ Extra Charges Extension Clause .................................................................................... 28 飞行物体及其他空中运行物体坠落扩展条款/ Falling of Flying Objects Extension Clause ....................... 29 灭火费用扩展条款A/ Fire Fighting Cost Extension Clause (A) ................................................................... 29 灭火费用扩展条款B/ Fire Fighting Cost Extension Clause (B) ................................................................... 29 消防队灭火费用扩展条款/ Fire Fighting Brigade Charges Extension Clause .............................................. 30 消防保证条款/ Fire Prevention Facilities Warranty Clause............................................................................ 30 洪水除外条款/ Flood and Inundation Exclusion Clause ................................................................................ 31 洪水扩展条款/ Flood Extension Clause ......................................................................................................... 31 防洪保证条款/ Flood Prevention Warranty Clause ........................................................................................ 32 地基除外条款/ Foundation Exclusion Clause ................................................................................................ 32 冰雹扩展条款/Hailstone Extension Clause .................................................................................................... 33 起重、运输机械扩展条款/ Hoisting and Transport Machinery Extension Clause ........................................ 33 碰撞扩展条款/ Impact Damage Extension Clause ......................................................................................... 34 碰撞除外条款/ Impact damage Exclusion Clause .......................................................................................... 34 阻止条款 / Inhibition Clause .......................................................................................................................... 34 内陆运输扩展条款A/ Inland Transit Extension Clause (A) .......................................................................... 35 内陆运输扩展条款B/ Inland Transit Extension Clause (B) .......................................................................... 35 数据损失澄清条款/IT Clarification Clause .................................................................................................... 36 地崩及地陷条款/ Landslip & Subsidence Clause .......................................................................................... 36 遵守法律规定保证条款/ Legal Requirements Warranty ............................................................................... 37 雷电扩展条款/ Lightning Extension Clause ................................................................................................... 37 车辆装载物扩展条款/Loaded Property Extension Clause ............................................................................. 38 铁路机车车辆扩展条款/ Locomotive Extension Clause ............................................................................... 38 赔款接受人条款/ Loss Payee Clause ............................................................................................................. 39 抵押权条款/ Mortgage Clause ........................................................................................................................ 39 泥石流、崩塌、突发性滑坡扩展条款/ Mud-rock flow, Avalanche and Sudden Landslip Extension Clause ......................................................................................................................................................................... 40 恶意破坏扩展条款/ Malicious Damage Extension Clause ............................................................................ 40 不受控制条款/ No Control Clause ................................................................................................................. 41 指定公估人条款/ Nomination of Loss Adjusters Clause................................................................................ 41 不使失效条款/ Non-invalidation Clause ........................................................................................................ 41 非占用者业主条款/ Non Occupying Landlord Clause .................................................................................. 42 场所外财产条款/ Off Premises Property Clause ............................................................................................ 42 油气管道损坏扩展条款/ Oil or Gas Pipeline Damage Extension Clause ...................................................... 43 建筑物外部附属设施扩展条款A/ Outside Ancillary Devices of Building Extension Clause (A) ............... 43

建筑物外部附属设施扩展条款B/ Outside Ancillary Devices of Building Extension Clause (B) ............... 44 委托加工扩展条款/ Out-sourcing Processing Extension Clause ................................................................... 44 成对或成套设备条款/ Pair & Set Clause ....................................................................................................... 45 预付赔款条款A/ Payment on Account Clause (A) ........................................................................................ 45 预付赔款条款B/ Payment on Account Clause (B) ........................................................................................ 45 雇员个人物品扩展条款/ Personal Effects of Employees Extension Clause .................................................. 46 便携式设备扩展条款/ Portable Devices on Premises Extension Clause ....................................................... 46 专业费用扩展条款/ Professional Fee Extension Clause ................................................................................ 47 分期付费条款A/ Premium Instalment Clause (A) ......................................................................................... 47 分期付费条款B/ Premium Instalment Clause (B) ......................................................................................... 48 露天存放及简易建筑内财产扩展条款A/ Property in the Open or Simple Building Extension Clause (A) 48 露天存放及简易建筑内财产扩展条款B/ Property in the Open or Simple Building Extension Clause (B) 49 公共当局扩展条款/ Public Authority Extension Clause ................................................................................ 49 冷库扩展条款/ Refrigerating Plants Extension Clause................................................................................... 50 重置价值条款 (存货除外)/ Reinstatement Value Clause (not applicable to stock item) ......................... 51 清理残骸条款/ Removal of Debris Clause ..................................................................................................... 52 沙尘暴除外条款/ Sandstorm Exclusion Clause ............................................................................................. 53 沙尘暴扩展条款/ Sandstorm Extension Clause ............................................................................................. 53 简易建筑除外条款/ Simple Building Exclusion ............................................................................................ 54 烟熏扩展条款/ Smoke Damage Extension Clause ......................................................................................... 54 暴雪、冰凌扩展条款/ Snowstorm and Icicle Extension Clause .................................................................... 55 自燃除外条款/ Spontaneous Combustion Exclusion Clause .......................................................................... 55 自燃扩展条款/ Spontaneous Combustion Extension Clause .......................................................................... 55 自动喷淋系统水损扩展条款/ Sprinkler Leakage Damage Extension Clause ............................................... 56 仓储财产申报条款/ Stock Declaration and Adjustment Clause ..................................................................... 56 暴风雨除外条款/ Storm and Tempest Exclusion Clause ................................................................................ 57 暴风雨扩展条款/ Storm and Tempest Extension Clause ................................................................................ 57 存放保证条款/ Storage Warranty ................................................................................................................... 58 罢工、暴乱及民众骚乱扩展条款/ Strike Riot and/or Civil Commotions Extension Clause ........................ 58 供应中断扩展条款A/ Supply Failure Extension Clause (A) ......................................................................... 59 供应中断扩展条款B/ Supply Suspension Extension Clause (B) .................................................................. 59 供应中断扩展条款C/ Supply Failure Extension Clause (C) ......................................................................... 59 供应中断扩展条款D/ Supply Failure Extension Clause (D) ......................................................................... 60 临时保护措施扩展条款/ Temporary Protection Extension Clause ................................................................ 60 厂区间临时移动扩展条款/Temporary Removal between Factories Extension Clause ................................. 61 临时移动扩展条款/ Temporary Removal Extension Clause .......................................................................... 61 恐怖活动扩展条款/ Terrorism Extension Clause ........................................................................................... 62 盗窃、抢劫扩展条款/ Theft, Burglary and Robbery Extension Clause ........................................................ 62 龙卷风除外条款/ Tornado Exclusion Clause ................................................................................................. 63 龙卷风扩展条款/ Tornado Extension Clause ................................................................................................. 63 运输条款/ Transit Clause ................................................................................................................................ 64 台风、飓风除外条款/ Typhoon and Hurricane Exclusion Clause ................................................................. 64 台风、飓风扩展条款/ Typhoon and Hurricane Extension Clause ................................................................. 65 建筑物未受损部分额外费用扩展条款/ Undamaged Building Extra Charges Extension Clause ................. 65

放弃代位追偿扩展条款/ Waiver of Subrogation Extension Clause .............................................................. 66 装修工人条款/ Workmen Clause .................................................................................................................... 66 企财险附加条款1(仓储物扩展条款) ...................................................................................................... 66 企财险附加条款2(洪水责任水位线条款)............................................................................................... 67 企财险附加条款3(建筑物外部附属设施扩展条款) ............................................................................... 67 企财险附加条款4(防洪保证条款) .......................................................................................................... 67 企财险附加条款5(简易建筑物扩展条款)............................................................................................... 67

一般附加条款 30天注销保单通知条款/30 Days Notice of Cancellation Clause 30天注销保单通知条款 被保险人可随时书面通知保险人注销本保险单,保险人将依照短期费率计收保险生效期间的保费。保险人亦可提前三十天书面通知被保险人注销本保险单,保险人将退还被保险人从保险单取消之日起未满期限的按日比例计算的保险费。 30 Days Notice of Cancellation Clause The insurance may at any time be terminated at the option of the insurer, giving 30 days’ notice to that effect being giving to the insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired terms from the date of the cancellation. The insurance may also at any time be terminated at the option of the insured, giving immediate notice to that effect being giving to the Insurer, in which case the insured shall be charged on a short period premium for the expired terms from the date of inception. 备注:天数可变动 30/60/90 60天不续保通知条款/60 Days Non-Renewal Notice Clause 60天不续保通知条款 保险期限终止之前,本公司可提前60天书面通知被保险人本公司不虚报本保险单。通知必须按照本公司得知的被保险人的最新地址,派专人或由合格的邮递部门送至被保险人。 60 Days Non-Renewal Notice Clause The Company may not renew the policy by sending the Insured 60 days’ notice in writing prior to the Policy expiration date. Notification is to be delivered personally or posted by certified mail to the Insured at his latest known address notified to the Company. 备注:天数可变动 30/60 理赔控制条款/Claims Control Clause Claims Control Clause The Reinsured thereby undertakes to advise Reinsurers of the occurrence of any accident which may give rise to a claim hereafter as soon as they themselves are made aware of it, and in such event will cooperate with Reinsurers in the defence or settlement of such claim and in no case shall the Reinsured make any admission of liability under the original policy without the consent in writing of the Reinsurers having the first been obtained.

共同被保险人条款/Joint-Insured Clause 共同被保险人条款 鉴于组成被保险人之各方当事人为独立的、不同的实体(不管本保单条文中是否有任何相关约定),各方当事人的一切权利也应被视为独立的,如同他们各自持有保障其各自权益的独立保单一样。任何一方未能遵从、履行或遵守本保单的条款或条件,不会导致本保险单其它各方的权利受损。 对本保险单项下的任何索赔或保单明细表列明的自负责任之外的索赔,本公司将放弃向被保险人任何一方或其董事、代理、雇员或其他保单追偿的权利。 Joint-Insured Clause As all the parties comprising the Insured operate as separate and distinct entities the rights of each of the parties in all respects shall (notwithstanding anything contained or implied herein to the contrary) be treated as though each of the parties had separate policies for their respective rights and interests. Notwithstanding anything in the policy to the contrary, it is expressly understood and agreed that the failure of any Insured party to comply with, fulfill or observe the terms and conditions of the policy shall not prejudice the rights of any other Insured party or parties under the policy. The Company hereby agree to waive all rights of subrogation or action which they may have or acquire against any of the parties comprising the Insured or their directors agents or employees or their insurance arising out of any occurrence in respect of which any claim is admitted hereunder or which but for the application of any Retained Liability mentioned in the Schedule of this policy would be made hereunder. 司法管辖权条款/Jurisdiction Clause Jurisdiction Clause The Company shall not be liable in respect of any judgment that are delivered by or obtained from a court outside the People's Republic of China. It is further provided that the Indemnity shall not apply to a judgment or order obtained in the People's Republic of China for the enforcement of a judgment obtained elsewhere. 指定公估人条款/Loss Adjusters Clause 指定公估人条款 经双方同意,当发生保险责任范围内的损失,估损金额超过本保险合同中载明的相应金额时,可以指定双方认可的有合法执业资格的机构作为公估人,公估费用由保险人承担。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Loss Adjusters Clause It is hereby declared and agreed that the Company’s Claims Handling Representative would appoint qualified international loss adjusters in Hong Kong/PRC to investigate and adjust the loss.

损失通知条款/Loss Notification Clause Loss Notification Clause Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that this insurance will not be prejudiced by any inadvertent delays, errors, or omission in notifying the insurers of any circumstances or event giving rise or likely to give rise to a claim inside this Policy. Subject otherwise to the Terms, Exceptions and Conditions of this Policy. 不受控制条款/No Control Clause 不受控制条款 经双方同意,被保险人在无法控制或不存在过错的情况下违反本保险合同的条件和保证,本保险合同的保障不受影响。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 No Control Clause Any breach of the written warranties in this Policy without the knowledge and consent of the Insured shall not prejudice this insurance, provided due diligence be exercised by the Insured to ensure that same are complied with. 不可注销保单条款/Non-Cancellation Clause 不可注销保单条款 未经双方同意,保险公司和被保险人均不得注销本保险单。但本条款不适用于被保险人未能按照约定支付保险费的情况下。 Non-Cancellation Clause 不使失效条款/Non-invalidation Clause 不使失效条款 经双方同意,在投保人、被保险人完全不知情的情况下,本保险合同不因保险标的所占用场地或价值的变更、保险标的危险程度的增加或其它重要事项的变化而失效。但投保人、被保险人一旦知道该情况,应立即通知保险人,并支付从风险增加之日起至保险期间届满之日止期间可能的额外保险费,否则保险人不承担保险责任。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Non-invalidation Clause It is hereby agreed that this Insurance shall not be invalidation by any change of occupancy or increase of risk

taking place in the Property Insured without the Insured's knowledge provided that they shall, immediately on the same coming to their knowledge, advise the Company and pay any additional premium that may be required from the date of such increase of risk. 预付赔款条款A/Payment on Account Clause 预付赔款条款A 经双方同意,发生保险责任范围内的损失,经保险人或保险人委托的公估人理算后,损失金额已确定部分的赔款可预付给被保险人,该部分预付赔款应从总赔款金额中扣除。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Payment on Account Clause It is hereby understood and agreed that in the event of the occurrence of a loss covered under this policy the company may approve an advance payment on account in respect of such loss at the request of the insured and with the loss adjuster's recommendation. 预付赔款条款B 预付赔款条款B 经双方同意,发生保险责任范围内损失,保险人在收到被保险人的索赔请求及相关单证资料之日起六十天内,未能确定赔偿金额的,根据被保险人的要求及公估人(理算师)的建议,保险人可预先支付部分赔款,金额限于预计赔偿金额的40%。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 分期付费条款A/Premium Installment Clause 分期付费条款A 经双方同意,本保险合同项下保险费可以按照约定的分期支付日期和金额支付。 若投保人未按约定支付保险费,从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的,保险人不承担赔偿责任。 投保人在付清本保险合同项下全部保险费之前,如保险标的发生损失,保险人应支付的赔偿金额超过投保人未支付的保险费时,保险人有权在赔偿金额中扣除投保人尚未支付的保险费。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Premium Installment Clause It is agreed and understood that the total premium under this Policy shall be paid in installments on the following conditions: No. of Installment Amount to be paid Date of Payment

In case the Insured fails to pay a required premium on the above-specified date. The Insurers shall not be liable for any loss of and/or damage to the subject matters insured arising during the period from the date of payment to the day when such belated premium has been paid. Until the Insured has paid all the premiums on this Policy, the Insurers shall be entitled to make deductions in respect of unpaid premium from the amount of claims paid and to be paid for any recoverable claims where the aggregate amount of claims paid and to be paid exceeds that unpaid premium. 分期付费条款B 分期付费条款B 经双方同意,本保险合同项下保险费可以按照约定的分期支付日期和金额支付。 若投保人未按约定支付保险费,从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的,保险人按损失发生时已交保险费与本保险合同约定的总保险费的比例承担赔偿责任。 投保人在付清本保险合同项下全部保险费之前,如保险标的发生损失,保险人应支付的赔偿金额超过投保人未支付的保险费时,保险人有权在赔偿金额中扣除投保人尚未支付的保险费。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 利益可分性条款/Severability of Interest Clause Severability of Interest Clause The Policy shall protect each Insured in the same manner and to the same extent as though a separate Policy had been issued to each, but nothing herein shall operate to increase the Insurer’s liability at set forth elsewhere in this Policy beyond the amount or amounts for which the Insurer would be liable if there had been only one Insured. Any breach of a condition of this Policy by any Insured shall not affect the protection given by this Policy to any other Insured. 放弃代位追偿扩展条款/Waiver of Subrogation Clause 放弃代位追偿扩展条款 经双方同意,保险人同意放弃对下列各方可能拥有的代位请求赔偿的权利: (一) 被保险人的关联或联营公司; (二) 被保险人的子公司或控股公司; (三) 被保险人的董事、合伙人; (四) 被保险人的雇员。 但上述各方的故意行为造成保险事故的,保险人保留代位请求赔偿的权利。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Waiver of Subrogation Clause It is hereby agreed and understood that notwithstanding anything contained herein to the contrary, it is understood and agreed that any claimant under this Policy shall at the request and at the expenses of the Company do and concur in doing and permit to be done all such acts or things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this policy, whether such acts or things shall be or become necessary or required before or after indemnification by the Company. The Company hereby agrees to waive its rights of subrogation against any corporation or company associated or affiliated with the Insured or any of the Insured’s subsidiary or holding companies, or any parties, officer or individual connected therewith. This Clause is Subject otherwise to the terms, conditions and exclusions of this Policy. 财产险2000年问题除外责任条款/Year 2000 Problem Exclusion Clause 财产险2000年问题除外责任条款 本条款“2000年问题”系指,因涉及2000年日期变更,或此前、期间、其后任何其他日期变更,包括闰年的计算,直接或间接引起计算机硬件设备、程序、软件、芯片、媒介物、集成电路及其他电子设备中的类似装置的故障,进而直接或间接引起和导致保险财产的损失或损坏问题。 本公司对由于下列原因,无论计算机设备是否属于被保险人所有,直接或间接导致、构成或引起保险财产损失或损坏由此产生的直接损失或间接损失不负赔偿责任: 1)不能正确识别日期; 2)由于不能正确识别日期,以读取、存储、保留、检索、操作、判别、处理任何数据或信息,或执行命令和指令; 3)在任何日期或该日期之后,由于编程输入任何计算机软件的操作命令引起的数据丢失,或不能读取、储存、保留、检索、正确处理该类数据; 4)因涉及2000年日期变更,或任何其他日期变更,包括闰年的计算而不能正确进行计算、比较、识别、排序和数据处理; 5)因涉及2000年日期变更,或任何其他日期变更,包括闰年的计算,对包括计算机、硬件设备、程序、芯片、媒介物、集成电路及其他电子设备中的类似装置进行预防性的、治理性的、或其他性质的更换、改变、修改。 本保单所载其他条件不变。 Year 2000 Problem Exclusion Clause “Year 2000 Problem” in this clause means direct or indirect loss or damage to property arising from malfunction of any computer hardware, system, software, chip, media, integrated circuit and other similar electronic devices caused directly or indirectly by the date change to the Year 2000 or any other date change including leap year calculations occurring before, during or after Year 2000. The Company will not be liable for direct or indirect loss or damage to property caused by reasons below, whether such computer system belongs to the Insured or not: i) unable to recognize date correctly; ii) fail to retrieve, capture save, retain, search, manipulate, interpret or process any data or information or command or instruction as a result of unable to recognize date correctly; iii) loss of data, fail to retrieve, capture save, retain, search or process data correctly as a result of the operation of

any command which has been programmed into computer software in any date or after that date; iv) unable to calculate, compare, differentiate, sequence or process data correctly as a result of changing the date to Year 2000 or any other date including leap year calculations occurring before, during or after Year 2000; v) any implemented or change or modification of any computer, hardware, system, chip, media, integrated circuit and other electrical device for preventative, remedial or otherwise relating to changing the date to Year 2000 or any other date including leap year calculations occurring before, during or after Year 2000. Subject otherwise to terms and conditions of this policy. This is a brief English translation, in case of any ambiguity, the Chinese version shall prevail. 索赔单据条款 索赔单据条款 经双方同意,被保险人应提供其所能提供的与确认事故的性质、原因、损失程度等有关的证明和材料。在事故的原因和损失已被证实的情况下,保险人不得仅以缺少单据或单据不合格为由拒绝或拖延承担其在本保险合同项下应承担的赔偿责任。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

财产险附加条款 72小时条款/72 Hours Clause 72小时条款 经双方同意,本保险合同项下保险标的在连续72小时内遭受暴风雨、台风、洪水或地震所致损失应视为一单独事件,在计算赔偿时视为一次保险事故。被保险人可自行决定72小时的起始时间,但若在连续数个72小时时间内发生损失,任何两个或两个以上72小时期限不得重叠。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 72 Hours Clause It is agreed and understood that any loss of or damage to the property insured arising during any one period of seventy-two (72) consecutive hours, caused by storm, tempest, typhoon, flood,inundation or earthquake shall be deemed as a single event and constitute one occurrence in the settlement of any claim. The commencement of any such seventy-two (72) hour period shall be decided at the discretion of the Insured. However, there shall be no overlapping in any two or more such seventy-two (72) hour periods in the event of damage occurring over several continuous seventy-two (72) hour periods. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 50/50条款(50/50 Clause) 50/50条款 经双方同意,对于从外部运抵本保险合同中载明地址的保险标的,被保险人应立即检验其可能发生的损失,若存在以下任何情况,保险人不承担赔偿责任: (一)裸装货物损失明显; (二)货物外包装有明显货损迹象; (三)货物外包装无货损迹象且运抵至开箱期间未发生任何事故,直至货物开箱时才发现损失。 但有明显证据证明损失确系发生在运输终止后的,保险人按照本保险合同的约定承担赔偿责任。 无明显证据确定损失的发生时间的,保险人按照本保险合同的约定承担50%的赔偿责任。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 50/50 Clause It is agreed and understood that the Insured shall immediately inspect the property insured for possible damage upon their arrival at the Premises. The insurer shall not be liable for loss or damage in the following cases: , if unpacked, is evidently damaged, or packing of goods manifests apparent sign of damage, or to the goods is not discovered until being unpacked whereas the packing manifests no sign of loss or damage and no accident happens during the period from arrival to unpacking.

In case there is clear evidence that the loss and/or damage could only have occurred after expiry of transportation, the Insurer shall be liable for the loss and/or damage subject to this Policy. In the case of no clear evidence as to the time of the loss or damage, the Insurer shall be liable for 50% of adjusted loss. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 地面突然下陷下沉扩展条款/ Accidental Subsidence of Ground Extension Clause 地面突然下陷下沉扩展条款 经双方同意,由于地壳自然变异、地层收缩引起地面突然下陷下沉而造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但下列损失,保险人不负责赔偿: (一) 由于设计错误、不符合施工要求、工艺不善或材料缺陷造成的损失; (二) 由于地震、水箱或水管漏水、渗水引起地面下陷下沉造成的损失; (三) 海水、河水侵蚀造成的损失; (四) 回填土的沉降或移动、建筑物的正常沉降造成的损失; (五) 因保险标的座落地址附近拆除、挖掘及其他施工引起的地面下陷下沉造成的损失。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Accidental Subsidence of Ground Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured hereby caused by accidental subsidence of ground by reason of spontaneous variation of Earth’s crust and/or constriction of stratum. However, the Insurer shall not be liable for: 1. any loss or damage caused by or consisting of defective design or workmanship or the use of defective materials; 2. any loss or damage arising from subsidence of ground because of earthquake or the escape of water from any tank apparatus or pipe; 3. any loss or damage caused by coastal or river erosion; 4. any loss or damage caused by or consisting of the settlement or movement of made-up ground or the normal settlement or bedding down of structures; 5. any loss or damage arising from subsidence of ground due to any demolition, groundworks, excavation or construction being carried out on any adjoining site. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 定值保险条款/ Agreed Value Insurance Clause 定值保险条款 经双方同意,本保险合同项下特约保险标的中双方约定适用于定值保险的保险标的的保险价值为投保

时约定并于本保险合同中载明的价值。 约定保险价值为定值的保险标的发生保险责任范围内的损失时,保险人按照保险标的的损失程度计算赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Agreed Value Insurance Clause It is agreed and understood that the insurable value of the property insured that are specifically agreed to be applicable to agreed value insurance shall be the value stated in this Policy. In the event of loss of or damage to the property insured with agreed value, the Insurer shall settle the claim on the base of the extent of the loss or damage. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 空运费扩展条款/ Air Freight Fee Extension Clause 空运费扩展条款 经双方同意,发生保险责任范围内的损失,为及时修复或恢复保险标的而发生的空运费,保险人按照本保险合同的约定负责赔偿。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Air Freight Fee Extension Clause It is agreed and understood that this Policy shall be extended to cover air freight fee to repair or reinstate the property insured in time. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 其他物品扩展条款/ All Other Contents Extension Clause 其他物品扩展条款 经双方同意,由于保险事故造成其他物品的损失,保险人按照本保险合同的约定负责赔偿。 本附加条款所称“其他物品”是指下列被保险人所有的或管控的: (一) 单证、手稿、计算机系统资料及商务帐册,但仅限于其载体材料的价值以及为恢复原有数据及资料而发生的费用,保险人在该项下的赔偿责任以本保险合同中载明的相应赔偿限额为限; (二) 被保险人未另投保的模板、模具、模型、设计图纸的重新制作费用,但不包括设计费用; (三) 被保险人雇员的衣物及其他个人物品,保险人对每一雇员的赔偿责任以本保险合同中载明的相应赔偿限额为限。 本附加条款项下保险人的赔偿责任不超过__________。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

All Other Contents Extension Clause It is agreed and understood that this Policy is extended to cover loss of or damage to the “All Other Contents” in respect of perils hereby insured against. “All Other Contents” under this Clause is understood to include the following properties owned by or under control of the Insured: 1. Documents, manuscripts, computer systems records and accounts, but only for the material costs and labour costs incurred in rewriting, copying, reproducing such records. The Insurer’s liability under this item shall not exceed the related sublimit specified in the Policy; 2. Costs of reproducing patterns, models, moulds, plans and designs, which are not otherwise insured, other than cost of designing; 3. Employee’s clothing and other personal effects, subject to the related sublimit of any one Employee specified in this Policy. The Insurer’s liability under this Clause shall not exceed ________. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 建筑物变动扩展条款/ Alteration of Building Clause 建筑物变动扩展条款 经双方同意,由于本保险合同中载明地址内的建筑物进行扩建、改建、维修、装修过程中发生保险责任范围内的损失,保险人按照本保险合同的约定负责赔偿,但被保险人须以书面形式提前通知保险人并克尽职责防止损失发生。 本附加条款项下总合同价不得超过本保险合同中载明的相应数额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Alteration of Building Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the properties insured in the course of alterations, additions, structural repairs and decoration works provided that the Insured shall give the Company a prior notice in writing and exercise due diligence in preventing accidents, it being understood that the total contract value shall not exceed _____. This Clause is subject otherwise to the terms, conditions and exceptions of this Policy. 权益转让条款/Assignment Clause 权益转让条款 兹经双方同意,本保险单项下的权利、名义、利益转让给_________________________ 1、在下列情况下,本公司将通知____________________; (1) 本公司注销保险单时,将在正式注销生效日前_____天,发出书面通知; (2) 本保险单条件的变更或本保险单终止时,将在正式变更生效或终止日前_____天,发出书面通知; (3) 被保险人拖欠保险费或不予续保; (4) 本保险单项下超过_____元的赔偿;

2、保险财产无论是实际的、推定的、或商定的全损,扣除本保险单项下适用的赔额之后,本公司将赔款支付给____________________; 3、保险财产发生部分损失时,若经理算后的赔款不超过_____元,扣除本保险单项下适用的赔额之后,将全额支付给____________________或其指定人;若_______________以书面方式通知本公司,被保险人违反贷款协议规定,则该项赔款将全额支付给____________________。 4、保险财产发生部分损失时,若经理算后的赔款超过_____元,扣除本保险单项下适用的赔额之后,将全额支付给____________________或按其指示支付。 本保险单所载其它条件不变。 Assignment Clause It is agreed and understood that all the rights, title and interests or benefits under this insurance Policy shall be assigned to 1. The Company shall advise __________ in following cases: (a) In case the Policy is to be canceled, a written notice shall be given to the Insured __________ days before the cancellation is taken effect; (b) In case there is any material alteration to the Policy or the Policy is to be canceled, a written notice shall be given to the Insured _______ days before such alteration or termination is taken effect; (c) In case payment of premium is deferred by the Insured or renewal is not required; (d) In case any claim under the Policy exceeds_____________ 2. The claim amount hereunder in respect of any actual or constructive or compromised total loss of the insured property shall be paid to __________ upon deduction of the amount of deductibles stipulated in the Policy. 3. In case of a partial loss of the property insured, the adjusted claim amount, if not exceeding _________, shall be paid to _________ or to the one designated upon deduction of the deductibles stipulated in the Policy. If the Insured violates the loan agreement as notified by _________ in writing to the Company, the claim amount shall be fully paid to ________. 4. In case of a partial loss of the property insured, the adjusted claim amount, if exceeding ________, shall be paid to _________ or according to the latter’s instruction upon deduction of the deductibles stipulated in the Policy. The clause is subject otherwise to the terms, conditions and exceptions of the Policy 自动承保条款/ Automatic Cover Clause 自动承保条款 兹经双方同意,明细表中描述的新置或新增的财产自其建成或购置、或转移至被保险人名下、或被保险人开始对其负责时起,除非另有其它保险,本保单的赔偿自动适用。但本公司在本扩展项下的责任不得超过总保险金额的___%。双方同意,被保险人应在购置上述财产后的60天内通知本公司,并按日比例支付附加保险费。 本保险单所载其他条件不变。 Automatic Cover Clause It is hereby agreed that the indemnity provided by this Policy shall apply automatically and shall include all new or additional property as described in the Schedule from the time that construction or acquisition of such property is completed or that title to such property is transferred to the Insured or the Insured becomes responsible for such property (unless more specifically insured) but the liability of the Company for such extension shall not exceed

_____①_______% of the Total Sum Insured. It is understood that the Insured shall advise the Company of all such new or additional property not later than 60 days from the acquisition of such property and a pro rata additional premium will be charged. This Clause is subject otherwise to the terms, conditions and exclusions of this policy. 自动恢复保险金额条款/ Automatic Reinstatement of Sum Insured Clause 自动恢复保险金额条款 经双方同意,发生保险责任范围内的损失时,各项受损保险标的的保险金额自动恢复,但被保险人应按日比例支付恢复部分自损失发生之日起至本保险合同保险期间届满之日止期间的保险费。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Automatic Reinstatement of Sum Insured Clause It is agreed and understood that in the event of any valid claim payable under this Policy the Sum Insured canceled by loss is to be automatically reinstated as from the date of loss. The insured undertakes to pay pro-rata additional premium for such reinstatement for the period from that date to the expiry of this Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 分摊豁免条款/ Average Relief Clause (20%) 分摊豁免条款 兹经双方同意,当发生火灾或本保险单承保的其他风险造成所有保险财产损失需要进行重置时,若该保险财产在损毁开始之时的重置费用,超出保险金额百分之二十以上,则被保险人将被视为超出部分的自保人,并将相应地按比例承担损失。保险单中与本附加条款有关的每一项目应分别适用前述规定。 本保险单所载其他条件不变。 Average Relief Clause (20%) It is hereby agreed if at the time of replacement or reinstatement the sum representing the cost which would have been incurred in replacement or reinstatement if the whole of the property covered had been destroyed, exceeds the sum insured hereon by more than 20% at the breaking out of any fire or at the commencement of any destruction of or damage to such property by any peril insured against by this Policy, then the Insured shall be considered as being his own insurer for the excess and shall bear a ratable proportion of the loss accordingly. Each item of the Policy to which this memorandum applies shall be separately subject to the foregoing provision. This Clause is subject otherwise to the terms, conditions and exclusions of this policy.

锅炉、压力容器扩展条款/ Boilers and Pressure Vessels Extension Clause 锅炉、压力容器扩展条款 经双方同意,在本保险合同中载明地址内,被保险人所有的或管控的锅炉、压力容器在正常使用过程中,由于下列原因造成自身的损失,保险人按照本保险合同的约定负责赔偿: (一) 操作不当; (二) 爆炸。 但存在下列情形时发生的损失,保险人不负责赔偿: (一) 未按规定和技术规程进行维护保养、检修或违规运行及给水水质不良; (二) 操作人员无政府有关部门签发的操作上岗证进行操作; (三) 锅炉未取得政府有关部门颁发的使用登记证或年检合格证。 被保险人应保证所投保的锅炉、压力容器的质量符合有关法规及行业规范。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Boilers and Pressure Vessels Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the boilers and pressure vessels which are belonging to or under the control of the Insured in the Premises during the course of their normal use caused by the following: 1. Faulty operation; 2. Explosion. However, the Insurer shall not be liable for loss or damage of boilers and pressure vessels when: 1. boilers and pressure vessels not to be maintained regularly to comply with the technical manual or not being operated in compliance with regulations or quality of the water doesn’t satisfy technical requirements; 2. boilers and pressure vessels being operated by technicians with no valid qualification certificate; 3. boilers and pressure vessels aren’t registered with related authorities or fail to pass the annual inspection. The Insured warrants that quality of boiler and pressure vessels shall satisfy the relevant laws, regulations, and industrial criterion. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 商标条款/Brand & Trademark Clause 商标条款 当保险财产发生损失时,如果受损财产带有商标或带有或含有代表制造商或被保险人的保证或责任的标志,则计算该受损财产的残值时,应按惯例方式剥离其商标及其他标志后的价值。被保险人将保留保单下受损货物的全部所有权和控制权。被保险人将与独立公估人一起对受损货物是否适合消费做出合理的判断,被保险人与公估人共同认为不适合消费的物品不得销售或作其他处理;除非经被保险人同意或由被保险人在公开市场上销售或作其他处理,但被保险人允许保险人将销售与处理受损货物所得计入残值。 Brand & Trademark Clause

In case of damage to property bearing a brand or trademark or which in any way carries or implies the guarantee or the responsibility of the manufacturer or the Insured, the salvage value of such damage property shall be determined after removal in the customary manner of all such brand or trademarks or other identifying characteristics. The Insured shall have full right to the possession of all goods involved in any loss under this policy and shall retain control of all damaged goods. The Insured jointly with the independent adjuster, exercising a reasonable discretion, shall be the judges in agreement as to whether the goods involved in any loss under this Policy are fit for consumption and no goods so deemed by the Insured, and the independent adjuster to be unfit for consumption shall be sold or otherwise disposed of except by the Insured or with the Insured’s consent, to an open market; But the Insured shall allow the Insurers any salvage obtained by the Insured on any sale or other disposition of such goods. 违反条件条款/ Breach of Conditions Clause 违反条件条款 经双方同意,被保险人违反了本保险合同约定的条件和保证时,仅使这些违反的条件和保证所对应的保障失效,而不影响其他保障的效力。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Breach of Conditions Clause It is agreed and understood that any breach in any condition or warranty shall void the section only in respect of the risks to which that breach applied and does not affect the section in respect of the other risks. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 玻璃破碎扩展条款/ Breakage of Glass Extension Clause 玻璃破碎扩展条款 经双方同意,在本保险合同中载明地址内,作为被保险建筑物组成部分的玻璃破碎损失,保险人按照本保险合同的约定负责赔偿。但由于该玻璃破碎引起的其他物品的损失,保险人不负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Breakage of Glass Extension Clause It is agreed and understood that this Policy shall be extended to cover the breakage of glass itself fixed in the buildings insured at the Premises. However, the Insurer shall not be liable for the loss of or damage to other property resulting from the breakage of the glass. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

玻璃破碎扩展条款 (财产一切险)/ Breakage of Glass Clause (PAR) 玻璃破碎扩展条款 (财产一切险) 扩展承保固定于本保险单明细表列明的建筑物上的玻璃因本保单所定义的自然灾害或意外事故造成破碎而引起的直接损失,但不包括保险单中适用的除外责任所造成的损失。 每次损失的免赔额为:① 本条款的责任限额为:② 本保险单所载其他条件不变。 Breakage of Glass Clause (财产一切险) It is agreed and understood that this Policy shall be extended to cover the direct loss due to breakage of glass fixed on the buildings described in the schedule caused by Natural Hazards or Accidents defined in the policy other than all the excluded risks applicable. Deductible:____①____ or 20% 0f each loss and every accident Limit of indemnity:_____②______ Subject otherwise to the terms, exceptions and conditions of this Policy. 玻璃破碎扩展条款(财产险)/ Breakage of Glass Clause (财产险) 玻璃破碎扩展条款 (财产险) 扩展承保固定于本保险单明细表列明的建筑物上的玻璃因自然灾害(地震、海啸除外)或意外事故造成破碎而引起的直接损失,但不包括自然损耗、内在缺陷、设计(或安装、保管)不善、大气(气候或气温)变化或其他渐变原因造成的损失和费用; 每次损失的免赔额为;① 本条款的责任限额为;② 本保险单所载其他条件不变。 Breakage of Glass Clause (财产险) It is agreed and understood that this Policy shall be extended to cover the direct loss due to breakage of glass fixed on the buildings described in the schedule of this policy caused by natural hazards or accidents other than wear, tear, inherent defect, faulty design,bad workmanship in installation or storage,change in atmosphere (climatic or temperature) conditions or any other progressively operating causes. Deductible: _____①____ or 20% of each loss and every accident Limit of indemnity: ② Subject otherwise to the terms, exceptions and conditions of this Policy. 盗窃险条款/ Burglary Insurance Clause 盗窃险条款 兹经双方同意,本保险扩展承保被保险财产因遭抢劫、偷窃或盗贼侵入被保险财产存放处(以下简称“盗

窃”)而造成的灭失或损坏(以下简称“损失”)。 本公司对下列各项,不负责赔偿: 1. 被保险人或其代表的故意行为或重大过失造成保险财产的损失; 2. 被保险人的家属或雇用人员或同住人员或寄宿人员盗窃或纵容他人盗窃保险财产造成的损失; 3. 在保险财产存放处所无人居住或无人看管超过七天的情况下保险财产被盗窃而造成的损失; 4. 在发生地震、洪水等自然灾害时保险财产被盗窃而造成的损失; 5. 在发生火灾时保险财产被盗窃而造成的损失。 本保险单所载其它条件不变。 Burglary Insurance Clause It is agreed and understood that this Policy shall be extended to cover loss of and or damage to the properties insured if and when the said properties shall be lost or damaged during the period of insurance as a result of robbery or burglary or by thieves following upon a forcible or violent entry into and upon the premises specified in the Policy ( hereinafter called “Burglary “ ) . The Company shall not be liable for: 1. Loss of or damage to the insured properties caused by intentional act and actual default of the Insured or his representatives 2. Loss of or damage due to burglary by any member of the family of the Insured , his relatives , employees , inmates , lodgers or any of these persons who instigates others to commit it; 3. Loss or damage due to burglary whilst the insured properties are put under a premise without residents or absence of custodians for a period of more than 7 days 4. Loss or damage due to burglary at the time of natural calamities , such as earthquake , flood , etc. 5. Loss or damage due to burglary at the time of fire . This Clause is subject otherwise to the terms, conditions and exceptions of this Policy. 水箱、水管爆裂扩展条款/ Bursting of Water Tank or Water Pipe Extension Clause 水箱、水管爆裂扩展条款 经双方同意,由于水箱、水管因雷电、飞行物体及其他空中运行物体坠落、高压、碰撞、严寒、高温造成爆裂,致使其本身损失以及由此引起的其它保险标的损失,保险人按照本保险合同的约定负责赔偿。 但由于下列原因造成保险标的损失,保险人不负责赔偿: (一) 水箱或水管安装、检修、试水、试压; (二) 水箱、水管年久失修以及未采取必要的防护措施; (三) 水箱、水管本身的质量缺陷; (四) 临时性管道的爆裂。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Bursting of Water Tank or Water Pipe Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the water tank or water pipe and/or other property insured resulting from the bursting of water tank or water pipe caused by lightning, falling of flying object, high pressure, collision, chilliness, high temperature. However, the Insurer shall not be

liable for any loss of or damage to the property insured caused by: 1. Installing, overhauling, testing of water tank or water pipe; 2. Failure or lack of proper maintenance and protection; 3. Inherent or latent defects of the water tank or water pipe; 4. Bursting of pipes for temporary use. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 增加资产扩展条款A/ Capital Additions Extension Clause (A) 增加资产扩展条款A 经双方同意,本保险合同生效后,被保险人所申报的并经保险人确认的座落于中华人民共和国境内的新增加资产,但不包括财产本身的升值及存货,保险人按照本保险合同的约定承担保险责任,但在保险期间内新增加资产的金额应不超过本保险合同中载明的相应限额。 被保险人须每季度末10日内申报增加资产的价值,且按相应的费率支付新增加资产部分自申报之日起至保险期间届满之日止期间的保险费。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Capital Additions Extension Clause (A) It is agreed and understood that this Policy is extended to cover additions and extension to the property insured in respect of the perils hereby insured against, other than stock and appreciations in value, declared by the Insured and confirmed by the Insurer, in the , made after the commencement of the period of insurance for an amount not exceeding the related sublimit specified in the Policy. The Insured shall declare the value of any such additions and extensions within 10 days after the end of each and every quarter and additional premium shall be paid from the date of declaration of additions and extensions to the expiration of this Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 增加资产扩展条款B/ Capital Additions Extension Clause (B) 增加资产扩展条款B 经双方同意,本保险合同生效后,被保险人在中华人民共和国境内新增加的资产,但不包括财产本身的升值及存货,保险人按照本保险合同的约定承担保险责任,但在保险期间内新增加资产的金额应不超过本保险合同中载明的相应限额,且被保险人须每季度末10日内申报增加资产的价值。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Capital Additions Extension Clause (B) It is agreed and understood that this Policy is extended to cover additions and extension to the property insured in respect of the perils hereby insured against, other than stock and appreciations in value, in the , made after the commencement of the period of insurance for an amount not exceeding the related sublimit specified in

the Policy. The Insured shall declare the value of any such additions and extensions within 10 days after the end of each and every quarter. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 85%扩展条款/ Co-Insurance Extension Clause (85%) 85%扩展条款 经双方同意,发生保险责任范围内的损失,若保险金额达到保险价值的85%,保险人在保险金额以内按实际损失计算赔偿;若保险金额不足保险价值的85%,保险人按保险金额与保险价值的比例计算赔偿。本保险合同所列标的不止一项时,应分项按照本附加条款约定计算赔偿。 本附加条款不适用于存货。 本附加条款与主条款内容相悖之处,以本附加条款为准,其他未尽事宜,以主条款为准。 Co-Insurance Extension Clause (85%) It is agreed and understood that in the event of loss or damage insured against hereby, the amount payable shall be determined on the basis of actual loss within the sum insured without Average to be applied provided that the sum insured of this Policy shall represent 85% or more of the insurable value of the property insured. If the sum insured is less than 85% of the insurable value of the property insured, the Insurer shall only be liable for such proportion as the sum insured bears to the insurable value. The amount payable for each insured item shall be calculated separately. This clause doesn’t apply to stock. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 合同价格扩展条款/ Contract Price Extension Clause 合同价格扩展条款 经双方同意,当保险标的已经售出但尚未交付而存放于本保险合同中载明地址内,因发生保险事故造成该保险标的损毁,导致该销售合同被注销,则保险人对上述受损保险标的的赔偿按销售合同单价为基础计算。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Contract Price Extension Clause It is agreed and understood that in case that the sale contract is cancelled due to the loss of or damage to the goods covered hereby and located in the Premises, which are sold but not delivered, the amount payable in respect of such goods shall be determined on the basis of the contract price. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

复制费用扩展条款/ Cost of Duplication Extension Clause 复制费用扩展条款 经双方同意,由于保险事故造成被保险人所有的或管控的文件、帐册、图表、技术资料、计算机软件及资料发生损失,保险人按照本保险合同的约定负责赔偿上述财产的载体材料价值和书写、拷贝或重新绘制的人工费用,不包括其内含信息对于被保险人的价值。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Cost of Duplication Extension Clause It is agreed and understood that this Policy shall be extended to cover the material costs and labour costs incurred in rewriting, copying, reproducing documents, account books, graphs, technical data, computer software and records lost, damaged or destroyed as a result of the perils hereby insured against, excluding the value to the Insured of the information contained herein. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 清理残骸费用扩展条款/ Debris Removal Expenses Extension Clause 清理残骸费用扩展条款 经双方同意,因发生保险责任范围内的损失而产生的清除、拆除或支撑受损保险标的的费用,保险人按照本保险合同的约定负责赔偿。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Debris Removal Expenses Extension Clause It is agreed and understood that this Policy shall be extended to cover costs and expenses incurred by the Insured in removing debris, dismantling and/or demolishing, shoring up or propping of the portion or portions of the property insured under this Policy destroyed or damaged by peril hereby insured against. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 财物种别条款/ Designation of Property Clause 财物种别条款 兹经双方同意,任何财物在被保险人账本中所定的财物种别,将作为赔偿时其财产所属种别的基础。 本保险单所载其他条件不变。

Designation of Property Clause For the purpose of determining where necessary the heading under which any property is insured the company agrees to accept the designation under which such property has been entered in the insured’s books. 索赔单据条款/ Documents Clause 索赔单据条款 经双方同意,被保险人应提供其所能提供的与确认事故的性质、原因、损失程度等有关的证明和材料。在事故的原因和损失已被证实的情况下,保险人不得仅以缺少单据或单据不合格为由拒绝或拖延承担其在本保险合同项下应承担的赔偿责任。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Documents Clause It is agreed and understood that the Insured shall furnish all such information and documentary evidence in respect of the nature and cause of the accident and extent of loss or damage. Provided that the cause and extent of loss or damage be determined, the Insurer shall not refuse or delay payment as stipulated in this Policy for reason of insufficient or ineligible documentary evidence. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 地震扩展条款/ Earthquake Extension Clause 地震扩展条款 经双方同意,由于烈度达到或超过保险标的所在地抗震设防标准的地震或由此引起的海啸、火灾、爆炸造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但由于建筑物未达到国家建筑质量要求(包括抗震设防标准)造成保险标的的损失,保险人不负责赔偿。保险标的因连续72小时内遭受一次或多次地震(余震)所致损失视为一次事故。 被保险人应向保险人提供建筑物本身的抗震设防达标证明、建筑物的建筑结构及主要原材料工艺质量证明,被保险人未能提供上述证明材料或证明材料不真实的,保险人不承担赔偿责任。 本附加条款项下每次事故赔偿限额不超过主险保险金额的80%。 本附加条款项下每次事故免赔额不低于人民币40万元或损失金额的5%,两者以高者为准。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Earthquake Extension Clause It is agreed and understood that this policy shall be extended to cover loss of or damage to the property insured hereby caused by earthquake or tsunami, fire, explosion resulting therefrom, provided that seismic intensity reaches or exceeds the official anti-seismic standard applicable to the area wherein the property insured being located. However, the Insurer shall not be liable for such loss or damage, if the construction does not satisfy the official qualification requirements (including anti-seismic standard). Any loss of or damage to the property insured caused by earthquake(s) and aftershock(s) within each and every separate period of 72 consecutive hours shall be regarded as one occurrence.

The Insured shall provide certificates to prove that the construction reaches the prescribed standard and the documents about the structure, the quality of main materials and workmanship of the construction. If the Insured fails to provide certificates and/or documents mentioned above or provides false information, the Insurer shall not be liable for any loss or damage aforesaid . The limit of indemnity under this Clause for any one occurrence shall not exceed 80% of the sum insured. The deductible under this Clause for any one occurrence shall not be less than RMB400,000. 00 or 5% of adjusted loss, whichever is the greater. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 紧急抢险条款/ Emergency Rescue Clause 紧急抢险条款 经双方同意,保险事故发生后,如保险人在接到被保险人出险通知两小时内未到达事故现场,且对紧急抢险措施未提出反对意见,被保险人可按照规范要求以及生产与安全需要,立即组织抢险、抢修工作,但被保险人应认真做好相关记录,并在条件许可时对第一现场情况进行拍照或录像。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Emergency Rescue Clause It is agreed and understood that in the event of loss or damage insured against hereby, considering the requirement from business operation and safety, the Insured can immediately perform emergency rescue as required by safety, production or related standards, provided that the Insurer neither be present in the spot of accident within two hours after being notified nor manifest any objection to emergency rescue taken by the Insured. In this case, the Insured shall take due record and, when possible, photos or videos of the spot are needed. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 错误和遗漏条款/ Error and Omissions Clause 错误和遗漏条款 经双方同意,投保人、被保险人因过失而延迟、错误或遗漏向保险人告知或通知保险标的所占用的场地或价值的变更、保险标的危险程度增加或其它重要事项,被保险人在本保险合同项下的权益不受影响。但投保人、被保险人一旦发现其延迟、错误或遗漏,应立即通知保险人上述事项,并支付从风险增加之日起至保险期间届满之日止期间可能的额外保险费,否则保险人不承担保险责任。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Error and Omissions Clause It is agreed and understood that the interest of the Insured under this Policy shall not be prejudiced in the event of any unintentional delay or error or omission in reporting new locations acquired or occupied or in reporting any alteration of values of property or in reporting increase of hazard of the property insured or other material facts, provided that such delay, error or omission shall be immediately reported to the Insurer upon such alteration

coming to the Insured’s knowledge and additional premium, if any, shall be charged from the date of such increase of hazard to the expiration of this Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 自动升值扩展条款/ Escalation Extension Clause 自动升值扩展条款 经双方同意,本保险合同项下双方约定自动升值的保险标的(存货除外)的保险金额在保险期间内每天以本保险合同中载明的保险金额升值率的1/365增加,计算公式如下: 保险金额每天升值金额=本保险合同中载明的保险金额×升值率×1/365 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Escalation Extension Clause It is agreed and understood that the sum insured shall be increased each day by an amount representing 1/365 of the Annual Rate of Escalation stated in this Policy during the period of insurance, namely, Amount of Escalation Each Day = Sum Insured × Annual Rate of Escalation× 1/365 In no case shall this Clause apply to stock. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 特别费用扩展条款/ Extra Charges Extension Clause 特别费用扩展条款 经双方同意,发生保险责任范围内的损失,为及时修复或恢复保险标的而发生的特别费用,即加班费及快运费(但不包括空运费),保险人按照本保险合同的约定负责赔偿。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Extra Charges Extension Clause It is agreed and understood that this Policy shall be extended to cover extra charges incurred for overtime, work on public holidays, and express freight (not including air freight) to repair or reinstate the property insured in time. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

飞行物体及其他空中运行物体坠落扩展条款/ Falling of Flying Objects Extension Clause 飞行物体及其他空中运行物体坠落扩展条款 经双方同意,由于飞行物体及其他空中运行物体坠落造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Falling of Flying Objects Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured hereby caused by the falling of flying objects or other objects moving in the air. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 灭火费用扩展条款A/ Fire Fighting Cost Extension Clause (A) 灭火费用扩展条款A 经双方同意,被保险人为扑灭本保险合同中载明地址内的火灾而发生的下列必要及合理的费用,保险人按照本保险合同的约定负责赔偿: (一) 对在灭火过程中使用过的灭火器材重新填充的费用; (二) 被保险人的雇员在灭火过程中直接损毁的个人物品。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Fire Fighting Cost Extension Clause (A) It is agreed and understood that this Policy shall be extended to cover all the following necessary and reasonable cost in extinguishing fire at the Premise: 1. the costs of replenishment of fire fighting appliances used in this fire; 2. the destruction of or damage to personal effects of the Insured’s employees. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 灭火费用扩展条款B/ Fire Fighting Cost Extension Clause (B) 灭火费用扩展条款B 经双方同意,被保险人为扑灭本保险合同中载明地址内的火灾而发生的下列必要及合理的费用,保险人按照本保险合同的约定负责赔偿: (一) 雇员(不包括正常上班的雇员及属于被保险人专职消防队的雇员)协助灭火而产生的加班费用;

(二) 对在灭火过程中使用过的灭火器材重新填充的费用; (三) 被保险人的雇员在灭火过程中直接损毁的个人物品。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Fire Fighting Cost Extension Clause (B) It is agreed and understood that this Policy shall be extended to cover all necessary and reasonable cost in extinguishing fire at the Premise: 1. overtime payment to the employees (not including employees on duty or the staff of the Insured’s fire fighting brigade) in respect of this fire fighting; 2. the costs of replenishment of fire fighting appliances used in this fire; 3. the destruction of or damage to personal effects of the Insured’s employees. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 消防队灭火费用扩展条款/ Fire Fighting Brigade Charges Extension Clause 消防队灭火费用扩展条款 经双方同意,消防队为扑灭保险责任范围内的火灾而依法收取的灭火费用,保险人按照本保险合同的约定负责赔偿。上述消防队不包括被保险人自有的消防部门。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Fire Fighting Brigade Charges Extension Clause It is agreed and understood that this Policy shall be extended to cover fire extinguishing expenses charged by public fire fighting brigade according to laws and regulations other than the Insured’s fire fighting brigade. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 消防保证条款/ Fire Prevention Facilities Warranty Clause 消防保证条款 经双方同意,保险人仅在被保险人做到并符合下列各项要求后,对被保险人因火灾、爆炸直接引起的损失负责赔偿。 (一)保险标的所在地应始终配备足够的和有效的消防设备以及充足容量的灭火用具,并使之处于随时可用的状态; (二)保证足够的人员受到使用该消防设备的训练,并能随时进行灭火工作;

(三)所有易燃液体、气体及固体的放置地应远离任何明火作业区; (四)易燃物附近动用明火,或进行烧焊、切割作业时必须至少有一名受到消防训练并配备灭火器材的人员在场。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Fire Prevention Facilities Warranty Clause It is agreed and understood that the Insurers shall indemnify the Insured for the loss and/or damage resulting directly from fire and/or explosion subject to the following requirements: 1. The Premises are equipped with adequate and effective fire-fighting equipments and extinguishing agents of sufficient capacity, which shall always be available at the site and ready for immediate use. 2. A sufficient number of workmen shall be well trained in the use of such equipments and apparatus and shall be available for immediate intervention at all times. 3. All inflammable liquids, gases and solids shall be stored away from any open flame area. 4. Welding, soldering or the use of an open flame in the vicinity of combustible material is only permitted when at least one workman equipped with extinguishers and well trained in fire fighting is present. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 洪水除外条款/ Flood and Inundation Exclusion Clause 洪水除外条款 经双方同意,由于洪水造成保险标的的损失,保险人不负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Flood and Inundation Exclusion Clause It is agreed and understood that the Insurer shall not be liable for loss of or damage to the insured property caused by or resulting from flood and/or inundation. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 洪水扩展条款/ Flood Extension Clause 洪水扩展条款 经双方同意,由于洪水造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但下列损失,保险人不负责赔偿: (一) 因规律性的涨潮、地下渗水或水库、运河、堤坝在正常水位线以下的排水或渗漏造成保险标的的损失。 (二) 广告牌、天线、太阳能装置、霓虹灯等建筑物外部附属设施、存放于露天或简易建筑内的保险标的以及简易建筑本身的损失,但本保险合同另有约定的不在此限。 (三) 地下建筑及其内部存放的保险标的的损失。 (四) 自动灭火设施漏水或水管、水箱爆裂造成保险标的的损失,但本保险合同另有约定的不在此限。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Flood Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured caused by flood and/or inundation. However, the Insurer shall not be liable for: 1. any loss of or damage to the property insured due to normal tide or sea move,underground seepage or water escape or leakage from the normal confines of any natural water course, lake,reservoir, canal or dam; 2. unless otherwise specifically agreed ,any loss of or damage to Advertising signs, antenna, solar energy equipment, neon lights and/or other outside ancillary devices of building; Property being stored in the open as well as Simple Building and/or the property being stored therein; 3. any loss of or damage to the underground construction and/or the property being stored therein; 4. unless otherwise specifically agreed, any loss of or damage to the property caused by leakage of the automatic sprinkler installation or bursting of water tank or pipe. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 防洪保证条款/ Flood Prevention Warranty Clause 防洪保证条款 经双方同意,保险人仅在被保险人做到合理的安全保护措施的情况后,对被保险人因暴雨、洪水直接引起的损失负责赔偿。 合理的安全保护措施是指在整个保险期间内,根据气象部门提供的数据,被保险人在保险标的所在地点采取能够预防当地大暴雨(24小时降雨量为100-250毫米)、20年一遇洪水的措施。 由于被保险人没有及时清理保险标的所在地内的沟渠中的障碍物保持水流畅通而造成的损失、损坏或由此而产生的责任,保险人不负责赔偿。 本附加条款与主条款相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Flood Prevention Warranty Clause It is agreed and understood that the Insurer shall indemnify the Insured for the loss and/or damage resulting from flood, inundation and/or tempest only if reasonable provision measures have been taken. Reasonable provision measures shall mean that the Insured has taken measures which can prevent flood and rainfall up to a return period of 20 years for the Premises during the Period of Insurance on the basis of the data from meteorological agencies. The insurer shall not be liable for the loss and/or damage resulting from the Insured’s failure to duly clear obstacles from channels and ditches to maintain water draining. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 地基除外条款/ Foundation Exclusion Clause Foundation Exclusion Clause

The insurance on Building excludes that part of any building below the level of the under surface of its lowest floor. 冰雹扩展条款/Hailstone Extension Clause 冰雹扩展条款 经双方同意,由于冰雹造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但除另有约定外,对广告牌、天线、太阳能装置、霓虹灯等建筑物外部附属设施、存放于露天或简易建筑内的保险标的以及简易建筑本身由于上述原因造成的损失,保险人不负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Hailstone Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured hereby caused by hailstone. Unless otherwise specially agreed, the Insurer shall not be liable for any loss of or damage to the following articles caused by the perils mentioned above: 1. Advertising signs, antenna, solar energy equipment, neon lights and/or other outside ancillary devices of building; 2. Property being stored in the open; 3. Simple Building and/or the property being stored therein. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 起重、运输机械扩展条款/ Hoisting and Transport Machinery Extension Clause 起重、运输机械扩展条款 经双方同意,本保险合同中列明的保险机械(含起重机、龙门吊、卷扬机、叉车、货梯等),在本保险合同中载明地址内使用过程中,由于碰撞、倾覆或因操作失误所造成的自身损失,保险人按照本保险合同的约定负责赔偿。 但下列损失,保险人不负责赔偿: (一) 操作人员无合格操作证、酒后以及处在药物麻醉状态中操作期间发生的损失; (二) 自然磨损、锈蚀及轮胎爆裂造成的损失; (三) 操作人员的故意或重大过失行为造成的损失。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Hoisting and Transport Machinery Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to machinery specified in the Policy including crane, frame crane, windlass, fork lift, lift resulting from collision, overturn or misoperation which occurs during the course of their normal use in the Premises. However, the Insurer shall not be liable for the following:

1. driver driving with no valid licenses, after drinking or after taking drug; 2. wear and tear, rusting and corroding bursting of tyre; 3. loss or damage caused by gross negligence or willful act of operator. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 碰撞扩展条款/ Impact Damage Extension Clause 碰撞扩展条款 经双方同意,由于非被保险人及其雇员所有的或管控的动物、车辆及船舶等交通工具的碰撞造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Impact Damage Extension Clause It is agreed and understood that this Policy shall be extended to cover loss or damage directly caused by impact with the property insured by road vehicles, vessels, or animals not belonging to or under the control of the Insured or any member of the Insured’s staff. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 碰撞除外条款/ Impact damage Exclusion Clause 碰撞除外条款 经双方同意,由于动物、交通工具的碰撞造成保险标的的损失,保险人不负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Impact damage Exclusion Clause It is agreed and understood that the Insurer shall not be liable for loss of or damage to the insured property caused by or resulting from impact with animals or vehicles. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 阻止条款 / Inhibition Clause 阻止条款 兹经双方同意,本保单的保障将包括为灭火、阻止火势蔓延或阻止保单承保的其它风险的扩大而遭受损坏的被保财产。 本保险单所载其它条件不变。

Inhibition Clause The policy is deemed to include the property insured which is damaged or destroyed in order to extinguish or inhibit the spread of fire or other perils insured against herein. 内陆运输扩展条款A/ Inland Transit Extension Clause (A) 内陆运输扩展条款A 经双方同意,在本保险合同约定的地域范围内,保险标的在除水运和空运以外的内陆运输途中(包括装卸过程中,但不包括临时存放期间),因本保险责任范围内的事故造成的损失,保险人按照本保险合同的约定负责赔偿,但保险标的的运输必须有合适的包装及装载。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Inland Transit Extension Clause (A) It is agreed and understood that this Policy is extended to cover loss of or damage to the property insured in respect of the perils hereby insured against during inland transit other than on waterway or by air, including loading and unloading process but excluding temporarily storage, provided that the aforesaid insured property shall be transported with proper package and stowage. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 内陆运输扩展条款B/ Inland Transit Extension Clause (B) 内陆运输扩展条款B 经双方同意,在本保险合同约定的地域范围内,保险标的在除水运和空运以外的内陆运输途中(包括装卸过程中和不超过15天的临时存放期间),因本保险责任范围内的事故造成的损失,保险人按照本保险合同的约定负责赔偿,但保险标的的运输必须有合适的包装及装载。 本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Inland Transit Extension Clause (B) It is agreed and understood that this Policy is extended to cover loss of or damage to the property insured in respect of the perils hereby insured against during inland transit other than on waterway or by air, including loading and unloading process and temporarily storage within 15 days, provided that the aforesaid insured property shall be transported with proper package and stowage. The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

数据损失澄清条款/IT Clarification Clause IT Clarification Clause It is hereby noted and agreed that loss of, damage to or destruction of property insured covered under this Policy shall mean physical loss of, physical damage to or physical destruction of the substance of property. Physical loss of, physical damage to the substance of property shall not include loss of, damage to or destruction of data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure. Consequently the following are excluded from this Policy: 1. loss of or damage to or destruction of data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage. 2. loss, damage or destruction resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting from such loss or damage. 地崩及地陷条款/ Landslip & Subsidence Clause 地崩及地陷条款 兹经双方同意,如果保险期间发生地崩或场所地陷直接导致保险财产损失,本保险不负责赔偿: 一、下列意外事故直接或间接引致的损失: (一) 岸坡侵蚀; (二) 隆起; (三) 工程完工十年内结构下沉或地基陷落; 二、地陷或地崩导致的通路、车道、围栏、门、边界及保留墙的损失; 三、除非特别投保,清除地陷或地崩残骸的费用,或地陷或地崩后修复场所的费用,除非该费用为修理保险财产所必需; 四、设计错误、工艺不善或原材料缺陷直接导致的损失; 五、适用比例赔偿条件之后的,每次损失的首____________或____________,以高者为准。 应保证: 一、被保险人保持保险财产处于良好的维护之中,并克尽职责防止承保风险引起损失; 二、被保险人在下列情况下立即通知本公司: (一) 在保险财产的下方、周围或附近开始任何挖掘作业; 在此情况下,本公司有权变更或注销本保险单项下提供的保障。 (二) 任何承保风险的作用影响场所的任何部分(不论是否涉及保险财产)或其周围环境。 本保险单所载其他条件不变。 Landslip & Subsidence Clause It is hereby agreed and declared that in case of loss of or damage to the property insured directly caused by subsidence of the site or landslip, occurring within the Period of Insurance, this Policy does not cover: (A) loss or damage occasioned by or through or in consequence directly or indirectly of any of the following occurrences:

(1) Coastal erosion (2) Heave (3) Bedding down of structures or the settlement of made up ground within 10 year(s) of the completion of such works (B) loss of or damage to paths drives fences gates boundary and retaining walls caused by subsidence and/or landslip. (C) unless otherwise specifically insured, the cost of removal of subsidence and/or landslip debris or the making good of the site following subsidence and/or landslip except in so far as is necessary to repair the property insured. (D) loss or damage directly occasioned by or through defective design or workmanship or the use of defective materials. (E) the first ____________ or ____________ of each and every loss, whichever is the greater, as ascertained after the application of any condition of average. WARRANTED: (A) The Insured shall maintain the insured property in sound repair and shall take all responsible steps to prevent damage from the perils covered hereby. (B) The Insured shall notify the Company immediately: (1) any excavations are commenced beneath, around or in the vicinity of the insured property. In such event the Company shall have the right to vary or cancel the cover provided under this Policy. (2) of the operation of an insured peril affecting any part of the site (whether or not the insured property is involved) or its nearby surroundings. This Clause is subject otherwise to the terms, conditions and exclusions of this policy. 遵守法律规定保证条款/ Legal Requirements Warranty Legal Requirements Warranty Warranted that the Insured shall duly comply with and observe all provisions, requirements and regulations of (i) Fire Services Department and / or (ii) Labour Department and / or (iii) Dangerous Goods Ordinance and / or (iv) Factories and Industrial Undertakings Ordinance and / or (v) Any other Statutory Obligation including any notice given and requirements made pursuant to same the breach and disregard of which may affect to increase the risk hereby insured except only that this Warranty shall not apply in respect of any Ordinance, Regulation Notice or Requirement expressly waived by the Company be endorsement on this Policy. 雷电扩展条款/ Lightning Extension Clause 雷电扩展条款 经双方同意,由于雷电造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但除另有约定外,对广告牌、天线、太阳能装置、霓虹灯等建筑物外部附属设施、存放于露天或简易建筑内的保险标的以及简易建筑本身由于上述原因造成的损失,保险人不负责赔偿。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Lightning Extension Clause It is agreed and understood that this policy shall be extended to cover loss of or damage to the property insured hereby caused by lightning. Unless otherwise specially agreed, the Insurer shall not be liable for any loss of or damage to the following articles caused by the perils mentioned above: 1. Advertising signs, antenna, solar energy equipment, neon lights and/or other outside ancillary devices of building; 2. Property being stored in the open; 3. Simple Building and/or the property being stored therein. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 车辆装载物扩展条款/Loaded Property Extension Clause 车辆装载物扩展条款 经双方同意,由于保险事故造成装载于停置在本保险合同中载明地址内车辆或货柜中的保险标的的损失,保险人按照本保险合同的约定负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Loaded Property Extension Clause It is agreed and understood that this Policy is extended to cover loss of or damage to the property insured in respect of the perils hereby insured against, whilst loaded in the vehicles parking and/or in the containers standing at the Premises. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 铁路机车车辆扩展条款/ Locomotive Extension Clause 铁路机车车辆扩展条款 经双方同意,本保险合同中列明的被保险人自有的蒸汽机车、内燃机车、电力机车以及槽车、矿车等在厂区内或专用线上使用过程中,由于出轨、倾覆、碰撞所造成的机车车辆的损失,保险人按照本保险合同的约定负责赔偿。 但下列损失,保险人不负赔偿责任: (一) 驾驶人员无有效驾驶证、酒后以及处在药物麻醉状态中驾驶期间发生的损失; (二) 机车的电机、电器设备使用过度或超电压、短路、自身发热等原因造成的本身损毁; (三) 在连接、调度车辆过程中因调度人员或驾驶人员的故意或重大过失行为造成的损失; (四) 所载货物与车辆车体之间的碰撞所致的损失。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Locomotive Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to locomotive owned by

the Insured including the steam engine, internal-combustion engine, electric power engine and tanker, tramcar resulting from derailment, overturn, collision which occurs during the course of their normal use in the Premises or on the railway for private use. However, the Insurer shall not be liable for the following: 1. driver driving with no valid licenses, after drinking or after taking drug; 2. loss of or damage to the electrical system of the locomotive caused by overuse or overvoltage, short-circuit or self heating; 3. loss or damage caused by gross negligence or willful act of dispatcher or driver during the course of connecting or dispatching the locomotive; 4. loss or damage caused by collision between the property loaded and the locomotive. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 赔款接受人条款/ Loss Payee Clause 赔款接受人条款 经双方同意,按照被保险人的要求,保险人将本保险合同项下的保险金优先支付给本保险合同中载明的赔款接受人。如被保险人增加或变更赔款接受人,应书面方式通知保险人。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Loss Payee Clause It is agreed and understood that the Insurer will at the request of the Insured preferentially make payment under this Policy to the loss payee that stated in this Policy, provided that a written notice shall be given to the Insurer immediately upon any change of the loss payee. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 抵押权条款/ Mortgage Clause 抵押权条款 经双方同意,发生保险责任范围内的损失后,保险人可以按照有关法律规定或被保险人与抵押权人的约定,将保险金在抵押权人的抵押权益范围内优先支付给抵押权人,并视为保险人已将保险金支付给被保险人。 抵押权人在抵押权益范围内所享有的权利,不因投保人或被保险人违反告知义务或通知义务或因抵押标的物所有权变更而受影响;但投保人或被保险人未按约定支付保险费或因抵押标的物所有权变更而可能增加的保险费,抵押权人应在接到保险人通知十五天内支付,否则抵押权人的本项权益即告丧失。 保险人终止或注销本保险合同时,应提前三十日通知抵押权人。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Mortgage Clause It is agreed and understood that the Insurer will pay loss, if any, to the Mortgagees preferentially to the extent of their interest in compliance with law or agreement between the Insured and the Mortgagees. The payment to the

Mortgagees shall be deemed as the payment to the Insured under this Policy. The interest of the Mortgagees under this insurance shall not be prejudiced by any breach of obligation of honest disclosure and notification by the Insured and Applicant, nor by any transfer of the ownership of the property insured. The Mortgagees shall pay the premium which has not been paid by the Applicant and/or the Insured or pay the additional premium, if any, for any transfer of the ownership of the property insured within fifteen (15) days on receiving notification of payment from the Insurer. Otherwise, the interest of the Mortgagees under this Clause shall be invalidated. The insurer reserves the right to terminate or cancel this Policy at any time by giving a thirty (30) days prior notice to the Mortgagees. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 泥石流、崩塌、突发性滑坡扩展条款/ Mud-rock flow, Avalanche and Sudden Landslip Extension Clause 泥石流、崩塌、突发性滑坡扩展条款 经双方同意,由于泥石流、崩塌、突发性滑坡造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但因保险标的附近、周围、底部的挖掘导致的损失,保险人不负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Mud-rock flow, Avalanche and Sudden Landslip Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured hereby caused by mud-rock flow, avalanche and/or sudden landslip. However, the Insurer shall not be liable for any loss or damage caused by or arising from any excavations beneath, around or in the vicinity of the property insured. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 恶意破坏扩展条款/ Malicious Damage Extension Clause 恶意破坏扩展条款 经双方同意,由于第三者恶意破坏行为造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但除另有约定外,对作为建筑物组成部分的玻璃破碎损失,以及盗窃、抢劫导致的损失,保险人不负责赔偿。 发生本附加条款项下的损失后,被保险人应立即向公安机关报案。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Malicious Damage Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured hereby caused by the malicious act of the third party. Unless otherwise specially agreed, the Insurer shall not be

liable for loss or damage to the glass fixed in the building or structure, nor any loss resulting from theft, burglary and/or robbery. The Insured should report immediately to the public security Authorities once the loss or damage occurs under this Clause. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 不受控制条款/ No Control Clause 不受控制条款 经双方同意,被保险人在无法控制或不存在过错的情况下违反本保险合同的条件和保证,本保险合同的保障不受影响。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 No Control Clause It is agreed and understood that any breach of the conditions and warranties in this Policy shall not prejudice this insurance on the condition that the Insured has no control or fault. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 指定公估人条款/ Nomination of Loss Adjusters Clause 指定公估人条款 经双方同意,当发生保险责任范围内的损失,估损金额超过本保险合同中载明的相应金额时,可以指定双方认可的有合法执业资格的机构作为公估人,公估费用由保险人承担。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Nomination of Loss Adjusters Clause It is agreed and understood that in the event of loss or damage insured against hereby, if the estimated loss exceeds the amount stipulated in this Policy, a qualified entity can be appointed as loss adjuster by both parties and the fees shall be borne by the Insurer. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 不使失效条款/ Non-invalidation Clause 不使失效条款 经双方同意,在投保人、被保险人完全不知情的情况下,本保险合同不因保险标的所占用场地或价值的变更、保险标的危险程度的增加或其它重要事项的变化而失效。但投保人、被保险人一旦知道该情况,

应立即通知保险人,并支付从风险增加之日起至保险期间届满之日止期间可能的额外保险费,否则保险人不承担保险责任。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Non-invalidation Clause It is agreed that this Policy shall not be invalidated by any alteration of occupancy, the value of insured property or increase of risk or any other material facts without the Insured's knowledge. However, the Applicant or the Insured shall immediately notify the Insurer upon such alteration coming to their knowledge and pay any additional premium that may be charged from the date of such increase of hazard to the expiry of this Policy otherwise the Insurer shall not be liable for the loss or damage arising therefrom. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 非占用者业主条款/ Non Occupying Landlord Clause 非占用者业主条款 兹经双方同意,本保单不因在被保险人不知情的情况下保险财产发生占用性质的变化或风险增加而失效,但被保险人一经知道,应立即通知本公司,并支付自风险增加之日起需要支付的附加保险费。 本保险单所载其它条件均不变。 Non Occupying Landlord Clause It is hereby declared and agreed that this insurance shall not be invalidated by any change of occupancy or increase of risk taking place in the property without the knowledge of the Insured, provided that he shall immediately, on the same coming to his knowledge, give notice thereof to the Company and pay any additional premium which may be required from the date of such increase of risk. This clause is subject otherwise to the terms, conditions and exclusions of this Policy. 场所外财产条款/ Off Premises Property Clause 场所外财产条款 兹经双方同意,本保险扩展承保为了修理、检修或避免受到承保风险的威胁,而从保险单列明场所移走的保险财产,但自移动之日起以不得超过六十天为限,金额不得超过____________。 本条款不适用于为正常仓储或加工而移动的保险财产,也不适用于已另外投保的财产。 本保险单所载其它条件均不变。 Off Premises Property Clause It is hereby agreed that this Policy is extended to cover the property insured whilst being removed from the described premises for repair, servicing or to avoid threatened damage by any peril hereby insured against, for a period up to 60 days from the date of removal for an amount not exceeding ____________. The provision shall not apply to property removed for normal storage or for processing, nor to property otherwise insured.

This clause is subject otherwise to the terms, conditions and exclusions of this Policy. 油气管道损坏扩展条款/ Oil or Gas Pipeline Damage Extension Clause 油气管道损坏扩展条款 经双方同意,由于下列原因导致本保险合同中载明的输油或输气管道本身的损失,保险人按照本保险合同的约定负责赔偿: (一) 地面突然下陷下沉; (二) 非被保险人及其雇员所有的或管控的牲畜、车辆及船舶等交通工具的碰撞。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Oil or Gas Pipeline Damage Extension Clause It is agreed and understood that this Policy shall be extended to cover loss of or damage to the oil or gas pipeline itself specified in the Policy caused by the following: 1. sudden subsidence of ground; 2. impact by road vehicles, vessels, or animals not belonging to or under the control of the Insured or any member of the Insured’s staff. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 建筑物外部附属设施扩展条款A/ Outside Ancillary Devices of Building Extension Clause (A) 建筑物外部附属设施扩展条款A 经双方同意,由于暴风、暴雨造成被保险建筑物外部的广告牌、天线、太阳能装置、霓虹灯的直接物质损失,保险人按照本保险合同的约定负责赔偿。 被保险人保证按相关规范对上述设施进行定期检查并采取合理的维护措施。 上述建筑物外部附属设施只赔偿材料费和安装费,不赔偿设计、制作和画布费用。 附加保险费:﹍﹍;免赔率:﹍﹍ 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Outside Ancillary Devices of Building Extension Clause (A) It is agreed and understood that this Policy shall be extended to cover the loss of or damage to advertising signs, antenna, solar energy equipment and/or neon lights located on the insured buildings caused by storm and/or tempest. It is warranted that the Insured shall carry out regular maintenance on the facilities mentioned above according to the relevant requirements and criterions. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

建筑物外部附属设施扩展条款B/ Outside Ancillary Devices of Building Extension Clause (B) 建筑物外部附属设施扩展条款B 经双方同意,由于暴风、暴雨、龙卷风、台风、飓风、雷电、冰雹、暴雪、冰凌、洪水造成被保险建筑物外部的广告牌、天线、太阳能装置、霓虹灯的直接物质损失,保险人按照本保险合同的约定负责赔偿。 被保险人保证按相关规范对上述设施进行定期检查并采取合理的维护措施。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Outside Ancillary Devices of Building Extension Clause (B) It is agreed and understood that this Policy shall be extended to cover the loss of or damage to advertising signs, antenna, solar energy equipment and/or neon lights located on the insured buildings caused by storm, tempest, tornado, typhoon, hurricane, lightning, hailstorm, snowstorm, icicle and/or flood. It is warranted that the Insured shall carry out regular maintenance on the facilities mentioned above according to the relevant requirements and criterions. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 委托加工扩展条款/ Out-sourcing Processing Extension Clause 委托加工扩展条款 经双方同意,被保险人向外委托加工的保险标的,在经保险人同意的加工场所内,因保险事故造成的损失,保险人按照本保险合同的约定负责赔偿。但依据委托加工合同应由被委托加工方承担的赔偿责任,保险人不负责赔偿。 上述委托加工场所必须在中华人民共和国境内,被保险人应及时申报每笔委托加工货物的地址、货物型号、数量、货物价值等信息。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Out-sourcing Processing Extension Clause It is agreed and understood that this Policy is extended to cover loss of or damage to the property insured in respect of the perils hereby insured against whist being processed by the Consignee appointed by the Insured in the processing facilities agreed by the Insurer. However the Insurer shall not be liable for indemnity which the Consignee shall bear in accordance with the out-sourcing processing contract. Any of the aforesaid out-sourcing processing facilities shall be within the territory of P. R. China. And furthermore, the Insured shall notify the Insurer all the information, including but not limited to the location, the type, the volume, and the value, of such properties in time. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

成对或成套设备条款/ Pair & Set Clause 成对或成套设备条款 经双方同意,本保险合同项下承保的属于成对或成套的机器设备的组件发生损失时,保险人按受损组件的价值在所属整对或整套设备中所占的合理比例计算赔偿;但若修理或替换受损组件均不能使该成对或成套设备恢复到同类设备基本相同的使用状况,按受损组件所属整对或整套设备的全部价值计算赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Pair & Set Clause It is agreed and understood that in the event of loss of or damage to any part of a pair or a set of equipment insured the Insurer shall be liable for such reasonable proportion as the value of the damaged part bears to the total value of the equipment. However, if the repaired or replaced part cannot make that pair or set of equipment up to a condition close to equipments of like kind, the Insurer shall be liable for the value of complete pair or set of equipment. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 预付赔款条款A/ Payment on Account Clause (A) 预付赔款条款A 经双方同意,发生保险责任范围内的损失,经保险人或保险人委托的公估人理算后,损失金额已确定部分的赔款可预付给被保险人,该部分预付赔款应从总赔款金额中扣除。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Payment on Account Clause (A) It is agreed and understood that in the event of loss or damage insured against hereby, the Insurer may make advance payment to the extent of the loss determined by the Insurer or the loss adjuster appointed by the Insurer provided that such payment shall be deducted from the total amount payable. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 预付赔款条款B/ Payment on Account Clause (B) 预付赔款条款B 经双方同意,发生保险责任范围内损失,保险人在收到被保险人的索赔请求及相关单证资料之日起六十天内,未能确定赔偿金额的,根据被保险人的要求及公估人(理算师)的建议,保险人可预先支付部分赔款,金额限于预计赔偿金额的40%。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Payment on Account Clause (B)

It is agreed and understood that in the event of loss or damage insured against hereby, if the amount payable cannot be determined within sixty (60) days upon receiving the claim request of the Insured and relative documents, the Insurer may, at the request of the Insured and with the loss adjuster’s recommendation, make an advance payment up to 40% of estimated amount payable. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 雇员个人物品扩展条款/ Personal Effects of Employees Extension Clause 雇员个人物品扩展条款 经双方同意,由于保险事故造成被保险人雇员的个人物品损失,保险人按照本保险合同的约定负责赔偿。但对货币、票证、有价证券、有现金价值的磁卡、集成电路(IC)卡等卡类、金银、珠宝、钻石、玉器、首饰、古币、古玩、古书、古画、邮票、书画、艺术品、稀有金属的损失,保险人不负责赔偿。 本附加条款项下保险人对每个雇员的赔偿责任不超过本保险合同中载明的相应赔偿限额,保险人的总赔偿责任不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Personal Effects of Employees Extension Clause It is agreed and understood that this Policy is extended to cover loss of or damage to the personal effects of employees of the Insured in respect of the perils hereby insured against. However, the Insurer shall not be liable for the loss of or damage to banknotes, coupons, securities, magnetic and IC cards with cash value and the like, gold, silver, pearls, diamonds, jades, jewelry, ancient coins, antiques, ancient books, ancient paintings, stamps, works of art, works of painting and calligraphy, rare metals and the like. The Insurer’s liability for any one Employee and for total under this Clause shall not respectively exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 便携式设备扩展条款/ Portable Devices on Premises Extension Clause 便携式设备扩展条款 经双方同意,由于保险事故造成放置在本保险合同中载明地址内的并在本保险合同中列明的便携式通讯装置、便携式计算机设备、便携式照相摄像器材的直接物质损失,保险人按照本保险合同的约定负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Portable Devices on Premises Extension Clause It is agreed and understood that this Policy is extended to cover loss of or damage to the mobile phones, portable computers and portable photograph apparatus in respect of the perils hereby insured against at the Premises stated

in this Policy in respect of perils hereby insured. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 专业费用扩展条款/ Professional Fee Extension Clause 专业费用扩展条款 经双方同意,发生保险责任范围内的损失后,在恢复受损保险标的过程中发生的必要、合理的设计师、检验师及工程咨询人费用,保险人按照本保险合同的约定负责赔偿,但被保险人为准备索赔或估损所发生的任何费用,保险人不负责赔偿。 保险人对上述费用的赔偿以恢复受损保险标的时有关行业管理部门的收费规定为准,但最高不超过本保险合同中载明的相应赔偿限额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Professional Fee Extension Clause It is agreed and understood that this Policy shall be extended to cover all necessary and reasonable costs in respect of the architect', surveyors', consulting engineers' fees incurred by the Insured in the reinstatement of the property insured consequent upon its destruction or damage by peril hereby insured against other than any fees for the preparation of a claim or estimate of loss. Payment for such fees shall be subject to the amount authorized under the scales of the related professional organizations regulating such charges prevailing at the time of reinstatement of the property, and shall not exceed the related sublimit specified in the Policy. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 分期付费条款A/ Premium Instalment Clause (A) 分期付费条款A 经双方同意,本保险合同项下保险费可以按照约定的分期支付日期和金额支付。 若投保人未按约定支付保险费,从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的,保险人不承担赔偿责任。 投保人在付清本保险合同项下全部保险费之前,如保险标的发生损失,保险人应支付的赔偿金额超过投保人未支付的保险费时,保险人有权在赔偿金额中扣除投保人尚未支付的保险费。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Premium Instalment Clause (A) It is agreed and understood that the total premium in this Policy shall be paid by instalments as agreed. In case the Applicant fails to pay such premium as agreed, the Insurer shall not be liable for any loss of or damage to the property insured arising during the period from the due date payment to the date when such belated premium has been paid. In the event of loss covered herein, which the amount of the adjusted loss exceeds the premium unpaid at the time

of loss, all unpaid instalment(s) shall become immediately due and payable to the Insurer. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 分期付费条款B/ Premium Instalment Clause (B) 分期付费条款B 经双方同意,本保险合同项下保险费可以按照约定的分期支付日期和金额支付。 若投保人未按约定支付保险费,从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的,保险人按损失发生时已交保险费与本保险合同约定的总保险费的比例承担赔偿责任。 投保人在付清本保险合同项下全部保险费之前,如保险标的发生损失,保险人应支付的赔偿金额超过投保人未支付的保险费时,保险人有权在赔偿金额中扣除投保人尚未支付的保险费。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Premium Instalment Clause (B) It is agreed and understood that the total premium in this Policy shall be paid in instalments as agreed. In case the Applicant fails to pay such premium as agreed, in the event of loss or damage hereby insured against during the period from the due date to the date when such belated premium has been paid, the Insurer shall only be liable to pay such proportion of the indemnity as the premium paid at the time of loss and/or damage bears to the total premium. In the event of loss covered herein, which the amount of the adjusted loss exceeds the premium unpaid at the time of loss, all unpaid instalment(s) shall become immediately due and payable to the Insurer. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 露天存放及简易建筑内财产扩展条款A/ Property in the Open or Simple Building Extension Clause (A) 露天存放及简易建筑内财产扩展条款A 经双方同意,由于暴风、暴雨造成的存放于露天或简易建筑内的保险标的的损失,保险人按照本保险合同的约定负责赔偿。 被保险人对露天及简易建筑内财产的存放,应符合仓储及有关部门的规定,并采取相应的安全防护措施。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Property in the Open or Simple Building Extension Clause (A) It is agreed and understood that this Policy shall be extended to cover the loss of or damage to insured property placed in the open or stored in the simple building caused by storm and/or tempest. It is warranted by the Insured that the relevant rules or regulations shall be complied with and necessary security measures shall be taken while the property insured being placed in the open-air or stored in a simple and crude

construction. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 露天存放及简易建筑内财产扩展条款B/ Property in the Open or Simple Building Extension Clause (B) 露天存放及简易建筑内财产扩展条款B 经双方同意,由于暴风、暴雨、龙卷风、台风、飓风、雷电、冰雹、暴雪、冰凌、洪水造成的存放于露天或简易建筑内的保险标的的损失,保险人按照本保险合同的约定负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Property in the Open or Simple Building Extension Clause (B) It is agreed and understood that this Policy shall be extended to cover the loss of or damage to insured property placed in the open or stored in the simple building caused by storm, tempest, tornado, typhoon, hurricane, lightning, hailstorm, snowstorm, icicle and/or flood. It is warranted by the Insured that the relevant rules or regulations shall be complied with and necessary security measures shall be taken while the property insured being placed in the open-air or stored in a simple and crude construction. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 公共当局扩展条款/ Public Authority Extension Clause 公共当局扩展条款 经双方同意,因保险事故造成保险标的损失,在重建或修复时,由于必须执行公共当局的有关法律、法令、法规产生的额外费用,保险人按照本保险合同的约定负责赔偿。但以下列约定为条件: (一) 下列情况下执行上述法律、法令、法规产生的额外费用,保险人不负责赔偿: 1、本条款生效之前发生的损失; 2、本保险责任范围以外的损失; 3、发生损失前被保险人已接到有关当局关于拆除、重建的通知; 4、未受损保险标的(但不包括被保险的地基)的修复、拆除、重建。 (二) 被保险人的重建、修复工作必须立即实施,并在损失发生之日起十二个月或经保险人书面同意延长的期限内完工;若根据有关法律、法令、法规及其附则,该受损保险标的必须在其它地点重建、修复时,保险人亦可赔偿,但保险人的赔偿责任不得因此增加。 (三) 若在本保险合同项下保险标的受损,但按本保险合同约定,保险人的赔偿责任减少时,则本附加条款项下的赔偿责任也相应减少。 (四) 保险人对任何一项受损保险标的的赔偿金额不得超过该项目在本保险合同中列明的保险金额。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Public Authority Extension Clause It is agreed and understood that this Policy shall be extended to cover such additional cost of reinstatement of the property destroyed or damaged thereby insured as may be incurred solely by reason of the necessity to comply with building or other regulations under or framed in pursuance of any ordinance, law, statute or with bye-laws of any relative public authority provided that: 1. The Insurer shall not indemnify the Insured for such additional cost as may be incurred by reason of the necessity to comply with building or other regulations under or framed in pursuance of any ordinance, law, statute or with bye-laws or any relative public authority in case: 1) destruction or damage has occurred prior to the granting of this Clause; 2) destruction or damage shall not be insured by this Policy; 3) notice of rebuilding or demolishing reaches the Insured prior to the happening of the destruction or damage; 4) work of rebuilding or demolishing or replacement of undamaged property other than foundation shall be carried out. 2. The work of reinstatement must be commenced and carried out with reasonable dispatch and in any case must be completed within twelve months after the destruction or damage or within such further time as the Insurer may (during the said twelve months) in writing and my be carried out upon another site (if the aforesaid regulations or bye-laws so necessitate) subject to the liability of the Insurer under this extension not being thereby increased. 3. If the liability of the Insurer under this Policy apart from this extension shall be reduced by application of any of the terms and conditions of this Policy then the liability of the Insurer under this extension shall be reduced in like proportion. 4. The amount recoverable under any item of this Policy shall not exceed the sum insured thereby. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause. 冷库扩展条款/ Refrigerating Plants Extension Clause 冷库扩展条款 经双方同意,由于冷库或冷柜发生保险责任范围内的损失而导致冷库、冷柜内温度变化,造成存放其内的保险标的变质或腐烂,保险人按照本保险合同的约定负责赔偿。 本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。 Refrigerating Plants Extension Clause It is agreed and understood that this Policy shall be extended to cover deterioration of the insured property stored in the refrigerating plants, which is caused by change of temperature arising from destruction or disablement of the said plants due to the perils hereby insured against. All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

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