中国设备监理协会24.ppt

China Association of Plant Engineering Consultants中国设备监理协会 ;Agenda议题 ;What is Professional Indemnity Insurance?什么是职业责任保险？;Sources of Professional Liability 职业责任来源 ;Why Purchase Professional Indemnity为什么要购买职业责任保险 ;Claims Made Policy 索赔发生制保单 ;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，保单将向您提供赔偿 Policy will indemnify current and past partners, directors, principals and employees of the firm 保单将对公司当前的和过去的合伙人、经理人、负责人和员工进行赔偿 ;Insuring Clause / Scope of Cover 保险条款/赔付范围 The policy will:保险将： Indemnify the Insured in respect of actual or alleged legal liability for claims made against the Insured arising from any actual or alleged negligent act, error or omission in the performance of the professional services. 对被保险人在进行专业服务时产生的任何实际的或被指称的过失行为、错误或疏忽引起的实际或被指称的法律责任进行赔偿。 Policy commonly limited to “negligence” 保单通常限定为“过失” Broader forms may be required: 也可要求更为宽泛：  Any “act, error or omission” – removing negligence 任何“行为、错误或疏忽”－去掉“过失”  Civil liability form民事责任形式 ;Policy is triggered when a claim:保单生效的条件是，当索赔 Is first made against the Insured during the Period of Insurance and notified to the Insurer保险期内，首次向被保险人提出，并通知保险人  AND和 It arises from a negligent act, error or omission of the Insured occurring after the Retroactive Date 由被保险人在追溯日之后发生的过失、错误或疏忽引起 ;Professional Services专业服务 Defined in the policy – commonly includes: 在保单中定义－通常包括：  Advice建议  Design / engineering设计/工程  Specification规格制定  Supervision监督 Management管理 Review to ensure definition reflects those persons who perform the services进行审核以保证该定义代表了提供服务的人员 Insurers may restrict this to:保险人可能将此限定为：  Professionally qualified persons and / or具有专业资格的人，和/或  Persons with a mini