2016石膏板索赔.docVIP

中国石膏板索赔： 保险范围 和 责任争议 纳尔逊文德卢卡＆克勒公司 ——专注于商业保险 目录 TABLE OF CONTENTS目录 Introduction简介 ............................................................... 3 Overview概述 ................................................................... 3 I. Coverage Issues保险范围争议.................................................. 5 A. First Party Issues 甲方争议........................................... 5 1. ―Direct Physical Loss‖直接有形损失 .............................. 6 2. Exclusions排除责任 ................................................. 7 B. Third-Party Issues第三方争议 ........................................ 10 1. CGL Policies and Construction Defects Generally一般商业责任政策与常见建筑缺陷................................... 10 2. Trigger of Coverage触发获赔................................ 11 3. Potential Exclusions潜在排除责任 ................................ 13 4. Other Issues .其它争议........................................... 20 5. Common CGL Endorsements that May Limit Coverage常见商业综合责任险五月限额批注............................... 21 C. Other Potential Coverage Issues其他潜在保险范围争议.................. 22 1. Notice – What Does the Policy Require?注：什么是保单要求................................................. 22 2. Statutes of Limitation/Statutes of Repose法定章程时效/..................................................... 23 3. Bad Faith/Extra-Contractual Payments...不诚信/合约附加款23 II. Defenses防范 ........................................................... 24 A. Legal Defenses合法防范............................................ 24 1. Causation因果关系................................................ 24 2. Failure to Mitigate Damages未减轻损害................... 24 3. Shifting of Liability to Others责任转移................. 25 B. Factual Defenses实例防范.......................................... 26 1. Design Defects设计缺陷........................................ 26 2. Incorrect Specifications for Use使用不恰当说明 .............. 26 3. Cross-Contamination and Synergistic Effect of Other Products其他产品交叉污染和协同效应......................... 26 4. Effect of Offshore S