policy overview 保单概述retroactive date追溯日 - 中国设备监理协会.pptVIP

China Association of Plant Engineering Consultants中国设备监理协会 Professional Indemnity Insurance Risk Management 职业责任保险及风险管理 Agenda议题 Introduction to Professional Indemnity职业责任保险简介 Policy Overview保单概述 Sources of Claims索赔来源 Why Risk Manage为什么要进行风险管理 Risk Management风险管理 What is Professional Indemnity Insurance?什么是职业责任保险？ An insurance policy which assists an Insured in protecting their balance sheet against its’ legal liability or alleged legal liability arising out of the performance of professional services 职业责任保险是一种帮助被保险人保护其因提供专业服务产生的法律责任，或被指称的法律责任而引起的财产损失。 Sources of Professional Liability 职业责任来源 Common Law 普通法 Hong Kong, United Kingdom, USA, Singapore, Australia etc 　香港、英国、美国、新加坡、澳大利亚等　 Civil Code 民法 PRC, Japan etc 中国、日本等 　 Statute 法规 Laws, rules, regulations etc passed by Government 　政府通过的法律、规则、条例等。 Contract 合同 Why Purchase Professional Indemnity为什么要购买职业责任保险 In addition to “protecting balance” sheet identified earlier 除了前面提到的“财产保护”功能外 Satisfy contractual obligations: 承担合同责任：  PI not a common requirement in China在中国，对职业责任保险通常没有要求  Greater obligations outside China:在中国以外的国家责任更大：  - International contracts国际合同  - International clients operating within China在中国经营的外资客户 Claims Made Policy 索赔发生制保单 FUNDAMENTAL基本概念 It is the policy in force at the time a claim is first made against the Insured and notified to Insurers which will provide indemnity to the Insured 在保单有效期内，被保险人第一次遭到索赔，并通知保险人时，保险人将向被保险人提供赔偿 It is not any policy that may have been in force at the time the services giving rise to the claim were performed可能引发索赔的服务并未发生在保单有效期之内 Policy Overview保单概述 Insured被保险人 Individual Consultant监理人员个人 Note: 注： The policy does not include your client as an Insured party 保险单的被保险方不包括您的客户 The policy does not include your sub-consultants as Insured parties, however the policy will provide an indemnity to You in respect of your vicarious liability arising from the acts of such sub-consultants 保险单的被保险方不包括您下属的监理人员，但对由于此类下属监理人员行为产生的责任，保单将向您