合同条款中常见的保险责任约定

AGREEMENTS ON INSURANCE LIABILITIES IN CONTRACT
 
Before the commencement of the Project, the Contractor should purchase all insurances for the Project hereunder, such as, the insurance for the Project and for lives of the Contractor’s own employees and the personnel of any third party in the Site. All insurance fees have already been included in the Contract Price.
工程开工前，承包人应该为本合同所述工程购买所有保险。例如要为建设工程和施工场内的自有人员及第三人人员生命财产办理保险，所有保险费已包含在本合同价款中。
 
The Contractor shall purchase insurance for the materials to be used for the Project and the equipment to be installed which are delivered into the Site, and pay the insurance fees.
运至施工场地内用于工程的材料和待安装设备，由承包人办理保险，并支付保险费用。
 
The Contractor shall purchase insurance against accidents for the employees who engage in doing dangerous jobs, and cover insurance and pay insurance fees for its own personnel on the Site for their life and properties.
承包人必须为从事危险作业的职工办理意外伤害保险，并为施工场地内自有人员的生命财产投保。
 
The JVC shall purchase appropriate comprehensive insurance to cover various kinds of risks as would be usual for a joint venture enterprise engaged in the same type of industry and in manufacturing products similar to the Products including, without limitation, product liability covering the manufacture and supply of the Products and such insurance shall be underwritten by an insurance company registered in the PRC. The types, value and duration of insurance shall be decided by the Board of Directors after discussion with the insurance companies and Party B.
合营公司应购买同行业和生产与产品项类似的产品的合营企业通常购买的包含各种险种的综合保险，包含但不限于就生产和供应产品投保的产品责任险。该等保险应向一家在中国注册的保险公司购买。保险的险种、价值和期限应由董事会与保险公司和乙方商讨后决定。
 
The premises, plant, machinery and equipment, raw materials, components and the Products shall be insured by JVC for adequate replacement value against fire, storm, tempest, accident, flood, theft and other risks which may destroy or diminish the value of the Products or which may render the Products unfit for consumption.
合营公司应为场地、厂房、机器设备、原材料、部件和产品投保，一旦发生火灾、暴风雨、风暴、事故、水灾、盗窃和可能损害或降低产品的价值或使产品不适于消费的其他风险，保险获得的赔付应足以重置该等财产。
 
INSURANCE: To be covered by the seller for110% of invoice value against All Risks and war risks.
运输保险：由卖方负责按发票金额的110%投保一切险及战争险。
 
Insurance shall, to the extent it is available on premium and terms comparable to those abroad and as required by applicable Chinese law, be obtained in China and such policies will be denominated in Renminbi or foreign currency or both, as appropriate.
如果中国具备与国外保险费和条款项类似的保险，且中国适用法律要求进行保险，则可以在中国投保。保险单根据具体情况应以人民币、外币或两种货币计价。
 
Party A may self-insure their consignment, and can also commission Party B to handle insurance issues, insurance premiums shall be borne by Party A, the costs of which are not included in the those the two sides agreed; In case Party A is not insured, Party B shall not be responsible for the damage from non-B causes.
甲方可以对其托运的货物自行投保，也可委托乙方代为办理保险事宜，保险费由甲方承担，此费用不在双方约定的费用以内，如甲方未予保险，则非乙方原因产生的货损乙方不予负责。
 
The Company shall, at its own cost and expense, at all times during operation of the factory and other facilities and during any construction work take out and maintain full and adequate property insurance covering the buildings, contents, and other first party risks of the Company as are customarily insured against in China.
公司应在工厂和其他设施营运期间以及工程施工期间，自费购买并保有在中国按惯例应予保险的，包括公司建筑物、内部设施及其他第一方风险在内的全面和足够的财产保险。
 
The Company shall maintain product liability insurance, third party liability insurance and other relevant insurance coverage in order to protect the Company, its employees, agents and other appropriate parties from claims.
公司应保有产品责任险、第三方责任险和其他有关险种，以保护公司、其雇员、代理人及其他有关方不会成为索赔对象。
 
 
No insurance will be effected except upon express instructions given in writing by the Customer and accepted in writing by the Company, and all insurances effected by the Company are subject to the usual exceptions and conditions of the policies of the insurers or underwriters taking the risk. Unless otherwise agreed in writing, the Company shall not be under any obligation to affect a separate insurance on the goods, but may declare it on any open or general policy held by the Company.
除客户以书面形式作出明确指示且本公司以书面形式接受外，本公司概不会对任何货物投保。本公司投购的保险均须受承担风险的承保人所发出保单的常见例外条款及条件所约束。除另有书面协议外，本公司概无责任对货物另购保险，但可宣称以本公司任何公开或一般保单受保。
 
During the term of this Agreement, Party A shall undertake, renew and maintain for its benefit and interest, and at its own cost and expense, the following primary insurance policies:
在本协议的限期内，甲方应为自身利益自费购买、续买和保持下列主要保险：
 
General Public Liability Policy with Party B being named as a co-insured covering all loss, damage or liability incurred or arising from the operation of the Services including, without limitation, for bodily injury, death or property damage, for an amount not less than RMB25,000,000 per accident or occurrence;
一般公众责任险，乙方列为共同被保险人，承保范围为因履行服务而发生的或引起的一切损失、损害或责任，包括但不限于人身伤害、死亡或财产损坏，保险额为每次事故或时间不少于25,000,000元人民币；
 
Employer’s Liability Policy with Party B being named as a co-named in conformity with local laws and regulations and accepted practice in the PRC;
雇主责任险，乙方列为共同被保险人，此保险应符合中国地方法律法规和普遍接受的惯例；
 
Property Damage Policy covering its premises against all risks of direct physical loss or damage from any cause, or if such a policy is not available, against the risks of fire and associated risks such as explosion, electrical damage, water damage, riots, strikes, civil commotion, terrorism, windstorms, hurricanes, cyclones, floods, burglary, theft and other similar risks;
财产损害险，保险范围为其场所因任何原因发生直接有形损失或损害的一切风险，若无此保险单，则为火灾风险和相关风险，如爆炸、电气损害、水损害、暴乱、罢工、平民动乱、恐怖活动、风暴、飓风、龙卷风、水灾、盗窃和其他类似风险；
 
Property Damage Policy with Party B being named as the sole beneficiary covering loss or damage to the materials, Products, Bulks Products, Equipment and other property of Party B as a result of natural disaster or negligence or omission by Party A; and Party A shall inform Party B of any change to its insurance policies listed above which would result in a reduced insurance coverage.
财产损害险，乙方列为唯一受益人，保险范围为因自然灾害或甲方的过失或不作为而导致乙方的原料、产品、散装产品、设备和其他财产损失或损害，如果以上所列的保险单发生可能导致保险范围的缩小的变化，甲方应通知乙方。
 
Any other insurance policy or policies against such other insurable risks as shall be normal and customary in the PRC for operation similar to that of Party A, in each case with Party B named in the policy or a certificate of insurance as loss payee, additional insured, or in such manner as Party B’s insurance company and Party A’s insurance company may agree.
为与甲方经营活动相似的、在中国属于正常或惯例的针对其他可以保险的风险的任何其他保险，在每一险种的保险单或保险证明中，乙方均列为损失赔偿受偿人、附加被保险人、或按乙方的保险公司和甲方的保险公司约定的其他办法执行。
 
Throughout the term of this Agreement, Consultant shall at its own expense, obtain and maintain the following insurance policies: (a) Commercial General Liability insurance, with coverage of not less than US$ 1,000,000 per occurrence and US$ 2,000,000 in the aggregate for bodily injury and property damage, (b) Motor Vehicle Liability insurance for owned, non-owned and hired vehicles, with limits of not less than US$ 1,000,000 combined single limit for bodily injury and property damage, (c) Worker’s Compensation insurance in the amount required by statue for all states in which the project or work is to be performed, and (d) Professional Liability insurance with limits of not less than US$ 1,000,000 per claim. Consultant will endeavor to notify Client in writing of any material change to its coverage as described herein. Consultant shall furnish certificates of insurance evidencing coverage or other acceptable evidence of self-insurance to Client upon request.
在本协议整个期限内，顾问应自费获得并保持下列各项保险：(a)一般商业责任险，每发生一次事故，保险额不少于1,000,000美元，人身伤害和财产损坏的合计保险额为2,000,000美元；(b)自有、非自用和租用车辆的机动车辆责任险，人身伤害和财产损失合并的一次事故保险额不少于1,000,000美元；(c)工人赔偿保险，保险额应达到开展项目或工作所在州的法定要求；(d)职业责任保险，每项赔付限额不少于1,000,000美元。如果上述保险范围发生任何实质性变化，顾问将尽力以书面形式通知客户。应客户要求，顾问应向其提供证明承保范围的证书或其他可以接受的自保证明。
 
Insurance required under this Agreement shall be: 本协议项下要求的保险应是：
(a) Commercial General Liability insurance including bodily injury, property damage, personal injury, advertising injury and products/completed operations, with a limit of not less than US$ 1,000,000 each occurrence and US$ 2,000,000 annual aggregate.
(a)商业一般责任险，保险范围包括身体伤害，财产损害，人身伤害，广告侵害和产品/完成业务保险，每次事故赔偿限额不低于1,000,000美元，每年总计不低于2,000,000美元。
 
 (b) Worker’s Compensation and Employer’s Liability insurance covering all persons whom the Contractor may employ in carrying out the services hereunder. Worker’s Compensation insurance will be in accordance with the Worker’s Compensation Law of the jurisdiction where the work is performed. Employer’s Liability shall be provided with limits of not less than US$ 500,000 each accident; US$ 500,000 each disease; and US$ 500,000 disease policy limit.
(b)员工补偿险和雇主责任险，保险范围包括承包商为提供本协议项下服务可能雇用的所有人员。员工补偿险将适用工作履行地的员工补偿法。雇主责任险的赔付是：每次事故的补偿限额不低于500,000美元；每次疾病补偿限额不低于500,000美元；以及500,000美元的疾病保险限额。
 
(c) Professional Liability insurance covering the negligent acts, errors or omissions committed by Consultant pursuant to rendering or failure to render professional services pursuant to the terms and conditions contained in the contract with limits of not less than US$ 5,000,000 per claim.
(c)职业责任险，保险范围为顾问根据合同规定条例款和条件提供专业服务发生的过失行为、错误或疏漏，或是未能根据合同规定的条款和条件提供专业服务，每项赔付限额不低于5,000,000美元。
 
Prior to the commencement of services hereunder, the Contractor shall furnish Party B with Certificates of Insurance (or evidence of self-insurance) for all insurance required herein. Each insurer must be reasonably acceptable to Party B, and possess a minimum Best’s rating of ‘A-VII’ (or equivalent rating agency in the country) and licensed to conduct business in all states/countries where this Agreement shall apply.
开始提供本协议项下的服务之前，承包人应向乙方提供本协议所要求的一切保险的保险单据（或自行投保的证据）。各保险公司必须能为乙方合理接受，至少达到贝斯特（或国内同等评级机构）评定的“A-VII”等级，并持有适用本协议的所有州/国家颁发的业务许可证。