财产保险协议四篇

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1、财产保险协议四篇 企业财产保险投保单投保人：_投保单号：_协议全文费率 保险费投保财产项目 以何种价值 保险金额投保 基 本 险 特 约保 险财 产 总保险金额人民币： 附 加 险 总保险金额人民币： 保险责任期限自_年_月_日零时起至_年_月_日二十四时止。特 别 约 定本投保单未经 投保人人地址：_ 本企业签章 电话：_不发生法律效 联络人：_力。 行业：_ 全部制：_ 占用性质：_ 开户银行：_ 银行账号：_ 财产坐落位置：_ 保险 共_个地址：_企业签章本投保人兹申明上述各项均属事实，并同意以本投保 _年单作为签订保险协议的依据。_月 _日 投保人签章：_ _年_月_日本保险也适合用于

2、国家机关、机关、人民团体投保。经理：_?经办人：_财产保险协议格式(附英文)财产保险协议 | 返回目录一、保险财产 保险财产指在本保险单明细表中列明的财产及费用。 经被保险人尤其申请，并经本企业书面同意，下列物品及费用经专业人员或公估部门判定并确定价值后，亦可作为保险财产： 金银、珠宝、钻石、玉器； 古玩、古币、古书、古画； 艺术作品、邮票； 建筑物上的广告、天线、霓虹灯、太阳能装置等； 计算机资料及其制作、复制费用。 下列物品一律不得作为保险财产： 枪支弹药、爆炸物品； 现钞、有价证券、票据、文件、档案、帐册、图纸； 动物、植物、农作物； 便携式通讯装置、电脑设备、摄影摄像器材及其它珍贵物品

3、； 用于公共交通的车辆。二、责任范围 在本保险期限内，若本保险单明细表中列明的保险财产因以下列明的风险造成的直接物质损坏或灭失，本企业同意根据本保险单的要求负责赔偿。 火灾； 爆炸，但不包含锅炉爆炸； 雷电； 飓风、台风、龙卷风； 风暴、暴雨、洪水 但不包含正常水位改变、海水倒灌及水库、运河、堤坝在正常水位线以下的排水和渗漏，亦不包含因为风暴、暴雨或洪水造成存放在露天或使用芦席、蓬布、茅草、油毛毡、塑料膜或尼龙等作罩棚或覆盖的保险财产的损失； 冰雹； 地崩、山崩、雪崩； 火山爆发； 地面下陷下沉，但不包含因为打桩、地下作业及挖掘作业引发的地面下陷下沉； 飞机坠毁、飞机部件或飞行物体坠落； 水箱

4、、水管爆裂，但不包含因为锈蚀引发水箱、水管爆裂。三、除外责任 本企业对下列各项不负责赔偿： 被保险人及其代表的有意行为或重大过失引发的任何损失和费用； 地震、海啸引发的损失和费用； 贬值、丧失市场或使用价值等其它后果损失； 战争、类似战争行为、敌对行为、武装冲突、恐怖活动、谋反、政变、罢工、暴乱、民众骚乱引发的损失和费用； 政府命令或任何公共当局的没收、征用、销毁或毁坏； 核裂变、核聚变、核武器、核材料、核幅射和放射性污染引发的任何损失和费用； 大气、土地、水污染及其它多种污染引发的任何损失和费用，但不包含因为本保险单第二条责任范围列明的风险造成的污染引发的损失； 本保险单明细表或相关条款中要

5、求的应由被保险人自行负担的免赔额； 其它不属于本保险单第二条责任范围列明的风险引发的损失。四、赔偿处理 假如发生本保险责任范围内的损失，本企业选择下列方法赔偿： 按受损财产的价值赔偿； 赔付受损财产基础恢复原状的修理、修复费用； 修理、恢复受损财产，使之达成和同类财产基础一致的情况。 受损财产的赔偿按损失当初的市价计算。市价低于保险金额时，赔偿按市价计算；市价高于保险金额时，赔偿按保险金额和市价的百分比计算。如本保险所载项目不止一项时，赔款按本要求逐项计算。 保险项目发生损失后，如本企业按全部损失赔付，其残值应在赔款中扣除，本企业有权不接收被保险人对受损财产的委付。 任何属于成对或成套的项目，

6、若发生损失，本企业的赔偿责任不超出该受损项目在所属整对或整套项目标保险金额中所占的百分比。 发生损失后，被保险人为降低损失而采取必须方法所产生的合理费用，本企业可给予赔偿，但本项费用以保险财产的保险金额为限。 本企业赔偿损失后，由本企业出具批单将保险金额从损失发生之日起对应降低，而且不退还保险金额降低部分的保险费。如被保险人要求恢复至原保险金额，应按约定的保险费率加缴恢复部分从损失发生之日起至保险期限终止之日止按日百分比计算的保险费。 被保险人的索赔期限，从损失发生之日起，不得超出两年。五、被保险人的义务 被保险人及其代表应严格推行下列义务： 投保时，被保险人及其代表应对投保申请书中列明的事项

7、和本企业提出的其它事项作真实、详尽的说明或描述； 被保险人及其代表应依据本保险单明细表和批单中的要求按期缴付保险费； 在保险期限内，被保险人应采取一切合理的预防方法，包含认真考虑并付诸实施本企业代表提出的合理的防损提议，由此产生的一切费用，均由被保险人负担； 在发生引发或可能引发本保险单项下索赔的损失时，被保险人及其代表应： 立刻通知本企业，并在七天或经本企业书面同意延长的期限内以书面提供事故发生的经过，原因和损失程度； 采取一切必须方法预防损失的深入扩大并将损失降低到最低程度； 在本企业的代表或检验师进行勘查之前，保留事故现场及相关实物证据； 依据本企业的要求提供作为索赔依据的全部证实文件、

8、资料和单据。六、总则 保单效力 被保险人严格地遵守和推行本保险单的各项要求，是本企业在本保险单项下负担赔偿责任的先决条件。 保单无效 假如被保险人或其代表漏报、错报、虚报或隐瞒相关本保险的实质性内容，则本保险单无效。 保单终止 除非经本企业书面同意，本保险单将在下列情况下自动终止： 被保险人丧失保险利益； 承保风险扩大。 本保险单终止后，本企业将按日百分比退还被保险人本保险单项下未到期部分的保险费。 保单注销 被保险人可随时书面申请注销本保险单，本企业亦可提前十五天通知被保险人注销本保险单。对本保险单已生效期间的保险费，前者本企业按短期费率计收，后者按日百分比计收。 权益丧失 假如任何索赔含有

9、虚假成份，或被保险人或其代表在索赔时采取欺诈手段企图在本保险单项下获取利益，或任何损失是由被保险人或其代表的有意行为或纵容所致，被保险人将丧失其在本保险单项下的全部权益。对由此产生的包含本企业已支付的赔偿在内的一切损失，应由被保险人负责赔偿。 合理查验 本企业的代表有权在任何合适的时候对保险财产的风险情况进行现场查验。被保险人应提供一切便利及本企业要求的用以评定相关风险的详情和资料。但上述查验并不组成本企业对被保险人的任何承诺。 反复保险 本保险单负责赔偿损失、费用或责任时，若另有其它保障相同的保险存在，不管是否由被保险人或她人以其名义投保，也不管该保险赔偿是否，本企业仅负责按百分比分摊赔偿的

10、责任。 权益转让 若本保险单项下负责的损失包括其它责任方时，不管本企业是否已赔偿被保险人，被保险人应立刻采取一切必须的方法行使或保留向该责任方索赔的权利。在本企业支付赔偿后，被保险人应将向该责任方追偿的权利转让给本企业，移交一切必须的单证，并帮助本企业向责任方追偿。 争议处理 被保险人和本企业之间的一切相关本保险的争议应经过友好协商处理。假如协商不成，可申请仲裁或向法院提出诉讼。除事先另有协议外，仲裁或诉讼应在被告方所在地进行。七、尤其条款 下列尤其条款适合用于本保险单的各个部分，若其和本保险单的其它要求相冲突，则以下列尤其条款为准。 财产保险单 保险单号码： 鉴于本保险单明细表中列明的被保险

11、人向保险企业提交书面投保申请和相关资料，并向本企业缴付了本保险单明细表中列明的保险费，本企业同意按本保险单的要求负责赔偿在本保险单明细表中列明的保险期限内被保险人的保险财产遭受的损坏或灭失，特立本保险单为凭。 保险企业 授权签 签发日期：年月日 签发地点： 明 细 表 保险单号码： 一、被保险人名称和地址： 二、保险财产地址： 三、营业性质： 四、保险项目及保险金额 项 目 保险金额 保险财产 建筑物： 机器设备： 装置、家俱及办公设施或用具： 仓储物品： 其它： 附加费用 清除残骸费用： 灭火费用： 专业费用： 其它费用： 总保险金额： 五、每次事故免赔额： 六、保险期限：共个月。 自年月日

12、零时起，至年月日二十四时止。 七、保险费率： 总保险费： 八、付费日期： 九、司法管辖 本保险单受中国的司法管辖 十、尤其条款 财产险保单明细表 保险企业property insurance clauses whole doc. i. the property insured the property insured shall refer to all properties and expenses spe-cified in the schedule of this policy. unless specifically agreed upon in writing between the

13、 insured and thecompany and appraised and value-established by professionals or assessors,the following articles and the expenses relevant thereto shall not becovered under this policy: 1. gold, silver, pearls, diamonds, precious stones and jades; 2. antiques, articles of virtue, ancient coins, anci

14、ent books andancient paintings; 3. works of art or postage stamps; 4. advertisements, aerials, neon, pieces of solar energy apparatusetc. on buildings; 5. computer system records or its making and copying costs. under no circumstances shall the following articles relevant theretobe covered hereunder

15、: 1. guns, ammunition or explosives; 2. banknotes, securities, bills, documents, files, account books ordrawings; 3. animals, plants and agricultural crops; 4. mobile phones, portable computers, removable photograph apparatusor other precious articles; 5. vehicles licensed for general transport use.

16、 ii. scope of cover the company shall indemnify the insured in respect of the physicalloss of or damage to the insured property stated in the schedule duringthe period of insurance directly arising from the following perils: 1. fire; 2. explosion; but not including explosion of a boiler or other pre

17、ssure reliefdevices; 3. lightning; 4. hurricane, typhoon and tornado; 5. storm, tempest and flood; but not including loss or damage caused by change in normal waterlevel or inundation from sea water or water escape or leakage from thenormal confines of any natural water course, lake or reservoir, ca

18、nal ordam as well as loss of or damage to the insured property caused by storm,tempest or flood while being stored in the open or covered by or under ashed thatched with reeds, tarpaulins, straw, asphalt felt, plastic ornylon sheet; 6. hailstorm; 7. landslide, rockslide, avalanche; 8. volcanic explo

19、sion; 9. subsidence of ground; but not including loss or damage resulting from pile driving,groundwork or excavation; 10. crashing aircraft and parts or articles falling from aircraft andother flying objects; 11. bursting of water tank or pipe; but not including bursting of water tank or pipe due to

20、 rust. iii. exclusions this company shall not be liable for: 1. loss of or damage to the insured property or expenses caused byintentional act or gross negligence of the insured or his representative; 2. loss of or damage to the insured property caused and expensesincurred by earthquake or tsunami;

21、3. depreciation, loss of market, loss of use and other consequentiallosses of any description; 4. loss of or damage to the insured property or expenses incurredarising from war, warlike operation, hostilities, armed conflicts,terrorism, conspiracy insurrection, coup detat, strike, riot, and civilcom

22、motion; 5. confiscation, requisition, destruction or damage by any action ororder of any government de jure or de facto or by any public authorities; 6. loss of or damage to insured property directly or indirectly causedor expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,nuclear

23、material, nuclear radiation and radioactive contamination; 7. loss or damage caused and expenses incurred by pollution of anykind or description whatsoever such as atmosphere, land and waterpollutions but this does not include loss or damage caused by pollutionarising from perils specified in articl

24、e ii the policy; 8. the deductibles stated in the schedule to be borne by the insured; 9. loss or damage arising from any other perils not listed in articleii of this policy. iv. treatment of claim 1. the company shall at its option, indemnify the insured in respectof loss or damage falling within t

25、he scope of cover of the policy byeither: paying the amount of the actual value of the property lost ordamaged or; paying the necessary cost of repairing or restoring the damagedproperty to its nearest condition immediately preceding the damage or; repairing or restoring the damaged property to a co

26、ndition near toother property of like kind and quality. 2. indemnity under this policy shall be based upon the sound marketvalue of the property prevailing at the time of loss. if the sound marketvalue of the damaged property is lower than the sum insured of suchproperty, the claim shall be settled

27、on its market value; if the soundmarket value of the property is in excess of the sum insured, the companyshall only be liable for such proportion of the claim as the sum insuredof the damaged property bears to its sound market value. if the insuredproperty enumerated in the schedule is more than on

28、e item, the provisionof this clause shall apply to each thereof. 3. if a claim for loss of or damage to the insured item is settled ona total loss basis, the salvage value of such item shall be deducted fromthe indemnity payable by the company. the company may, at its option,decline the abandonment

29、of any damaged property by the insured. 4. in the event of loss of or damage to any equipment item insuredforming part of a pair or set, the company shall not be liable in respectof each of such item lost or damaged for more than its proportionate partof the sum insured on the complete pair or set.

30、5. in the event of any loss occurrence, the company shall also pay theinsured for the expenses reasonably incurred for taking necessary measuresto minimize loss or damage to the least extent, but in no case shall suchexpenses referred hereto exceed the sum insured of the insured property. 6. upon se

31、ttlement of a claim, an endorsement shall be issued by thecompany to reduce the sum insured corresponding to the property lost ordamaged by the amount so settled from the date of loss, and no premiumshall be refunded for the amount so reduced. if reinstatement of the suminsured is required by the in

32、sured upon settlement of the claim, anadditional premium for the reinstated amount shall be charged at an agreedrate, and be calculated on pro rata daily basis from the date of loss tothe expiry of the insurance. 7. the time of validity of a claim under this insurance shall notexceed a period of two

33、 year counting from the date of loss. v. insureds obligations the following obligations shall be strictly fulfilled by the insuredand his representative: 1. the insured and his representative, when applying for insuranceshall make true answers or descriptions to the questions in the proposaland ques

34、tionnaire or to any other questions raised by the company. 2. the insured and his representative shall pay to the company in duecourse the agreed premium in the manner as provided in the schedule andendorsements. 3. during the period of this insurance, the insured shall at his ownexpense take all re

35、asonable precautions, including paying sufficientattention to and putting into practice the reasonable recommendations ofthe company, prudently selecting the workmen and employees and complyingwith all statutory regulations and safety operation procedures. 4. in the event of any occurrence which giv

36、es or might give rise to aclaim under this policy, the insured or his representative shall: notify the company immediately and within seven (7) days or anyfurther period as may be agreed by the company in writing, furnish awritten report to indicate the course, probable reason and extent of lossor d

37、amage; take all necessary measures to avoid aggravation of the loss ordamage and minimize it to the least extent; preserve the spot affected and defective parts before aninspection is carried out by a representative or surveyor from thecompany; furnish all such information and documentary evidence a

38、s thecompany may require for supporting the claim. vi. general conditions 1. policy effect the due observance and fulfilment of the terms and conditions of thispolicy in so far as they relate to anything to be done or complied with bythe insured shall be a condition precedent to any liability of the

39、 companyunder this policy. 2. policy voidance this policy shall be voidable in the event of misrepresentation,misdescription or non-disclosure made by the insured or his representativein any material particular in respect of this insurance. 3. policy termination unless its continuance be admitted by

40、 the company in writing, thispolicy shall be automatically terminated if: the insurable interest of the insured is lost; the risk of loss or damage is increased. after termination of the policy, the premium shall be refunded to theinsured calculated on pro rata daily basis for the period from the da

41、te oftermination to the date of expiry. 4. policy cancellation this policy may be canceled at any time at the request of the insuredin writing or at the option of the company by giving a fifteen (15) daysprior notice to the insured. in the former case the company shall retain apremium calculated on

42、short term rate basis for the time the policy hasbeen in force while in the latter case such premium shall be calculated onpro rata daily basis. 5. forfeit of benefit if the claim is in any respect fraudulent, or if any fraudulent meansor devices are used by the insured or his representative to obta

43、in anybenefit under this policy or if any loss or damage is occasioned by theintentional act or in the connivance of the insured or his representative,then in any of these cases, all the rights and benefits of the insuredunder this policy shall be forfeited, and all consequent losses arisingtherefro

44、m including the amount of claim paid by the company shall beindemnified by the insured. 6. reasonable inspection the representative of the company shall at any suitable time beentitled to attend the site and inspect or examine the risk explosure ofthe property insured. for this purpose, the insured

45、shall provide fullassistance and all details and information required by the company as maybe necessary for the assessment of the risk. the above mentionedinspection or examination shall in no circumstances be held as anyadmission to the insured by the company. 7. double insurance should any loss, d

46、amage, expenses or liability recoverable under thepolicy be also covered by any other insurance, the company shall only beliable to pay or contribute his proportion of the claim irrespective as towhether the other insurance is arranged by the insured or others on hisbehalf, or whether any indemnific

47、ation is obtainable under such otherinsurance. 8. subrogation where a third party shall be held responsible for the loss or damagecovered under this policy, the insured shall, whether being indemnified bythe company or not, take all necessary measures to enforce or reserve theright of recovery again

48、st such third party, and upon being indemnified bythe company, subrogate to the company all the right of recovery, transferall necessary documents to and assist the company in pursuing recoveryfrom the responsible party. 9. dispute all disputes under this insurance arising between the insured and th

49、ecompany shall be settled through friendly negotiations. where the twoparties fail to reach an agreement after negotiations, such dispute shallbe submitted to arbitration or to court for legal actions. unlessotherwise agreed, such arbitration or legal action shall be carried out inthe place where th

50、e defendant is domiciled. vii. special provisions the following provisions shall be applied to all parts of this policyand shall override the other terms and conditions of this policy if anyconflict arises. property insurance policy policy no.: whereas the insured named in the schedule hereto has ma

51、de to the_ insurance company (hereinafter called the company) a writtenproposal which together with any other statements made by the insured forthe purpose of this policy is deemed to be incorporated herein and haspaid to the company the premium stated in the schedule. now this policy of insurance w

52、itnesses that subject to the terms andconditions contained herein or endorsed hereon the company shall indemnifythe insured for the loss or damage sustained during the period ofinsurance stated in the schedule in the manner and to the extenthereinafter provided. by the _ insurance company_ authorise

53、d signaturedate of issue:place of issue: schedulepolicy no.:1. name and address of the insured the insured: address:2. location of the property insured:3. nature of trade:4. insured items and sums insured: insured items sums insured property insured building(s) (including decoration): machinery and

54、equipment: furniture and fixture: (including office equipment and supplies) stock: others: additional expenses: removal of debris fees: fire extinguishing expenses: professional fees: other expenses: total sum insured:5. deductible (any one accident):6. period of insurance: _ months. from 00:00 of _ to 24:00 hours of