保险合同格式
【篇一：保险格式】
表一
_____年度社会保险费缴费基数公示汇总表 单位名称： 社保编号：
附_______年缴费基数职工签字公示表页。 申报人签字： 手机号码： 固定电话： 申报时间： 年 月日
【篇二：财产保险合同格式】
i. the property insured
the property insured shall refer to all properties and expenses specified in the schedule of this policy.
unless specifically agreed upon in writing between the insured and the company and appraised and value-established by professionals or assessors, the following articles and the expenses relevant thereto shall not be covered under this policy：
1. gold, silver, pearls, diamonds, precious stones and jades； 2. antiques, articles of virtue, ancient coins, ancient books and ancient paintings；
3. works of art or postage stamps；
4. advertisements, aerials, neon, pieces of solar energy apparatus etc. on buildings；
5. computer system records or its making and copying costs. under no circumstances shall the following articles relevant thereto be covered hereunder：
1. guns, ammunition or explosives；
2. banknotes, securities, bills, documents, files, account books or drawings；
3. animals, plants and agricultural crops；
4. mobile phones, portable computers, removable photograph apparatus or other precious articles；
5. vehicles licensed for general transport use. ii. scope of cover
the company shall indemnify the insured in respect of the physical loss of or damage to the insured property stated in the schedule during the period of insurance directly arising from the following perils： 1. fire；
2. explosion；
but not including explosion of a boiler or other pressure relief devices；
3. lightning；
4. hurricane, typhoon and tornado； 5. storm, tempest and flood；
but not including loss or damage caused by change in normal water level or inundation from sea water or water escape or leakage from the normal confines of any natural water course, lake or reservoir, canal or dam 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 a shed
thatched with reeds, tarpaulins, straw, asphalt felt, plastic or nylon sheet； 6. hailstorm；
7. landslide, rockslide, avalanche； 8. volcanic explosion；
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 and other flying objects；
11. bursting of water tank or pipe；
but not including bursting of water tank or pipe due to rust. iii. exclusions
this company shall not be liable for：
1. loss of or damage to the insured property or expenses caused by intentional act or gross
negligence of the insured or his representative；
2. loss of or damage to the insured property caused and expenses incurred by earthquake or tsunami；
3. depreciation, loss of market, loss of use and other consequential losses of any description；
4. loss of or damage to the insured property or expenses
incurred arising from war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d`etat, strike, riot, and civil commotion；
5. confiscation, requisition, destruction or damage by any
action or order of any government de jure or de facto or by any public authorities；
6. loss of or damage to insured property directly or indirectly caused or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiation and radioactive contamination；
7. loss or damage caused and expenses incurred by pollution of any kind or description whatsoever such as atmosphere, land and water pollutions but this does not include loss or damage caused by pollution arising from perils specified in article 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 article ii of this policy.iv. treatment of claim
1. the company shall at its option, indemnify the insured in respect of loss or damage falling within the scope of cover of the policy by either：
1.1 paying the amount of the actual value of the property lost or damaged or；
1.2 paying the necessary cost of repairing or restoring the damaged property to its nearest condition immediately preceding the damage or；
1.3 repairing or restoring the damaged property to a condition near to other property of like kind and quality.
2. indemnity under this policy shall be based upon the sound market value of the property prevailing at the time of loss. if the sound market value of the damaged property is lower than the sum insured of such property, the claim shall be settled on its market value；if the sound market value of the property is in excess of the sum insured, the company shall only be liable for such proportion of the claim as the sum insured of the damaged property bears to its sound market value. if the
insured property enumerated in the schedule is more than one item, the provision of this clause shall apply to each thereof. 3. if a claim for loss of or damage to the insured item is settled on a total loss basis, the salvage value of such item shall be deducted from the indemnity payable by the company. the company may, at its option, decline the abandonment of any damaged property by the insured.
4. in the event of loss of or damage to any equipment item insured forming part of a pair or set, the company shall not be liable in respect of each of such item lost or damaged for more than its proportionate part of the sum insured on the complete pair or set.
5. in the event of any loss occurrence, the company shall also pay the insured for the expenses reasonably incurred for
taking necessary measures to minimize loss or damage to the least extent, but in no case shall such expenses referred hereto exceed the sum insured of the insured property.
6. upon settlement of a claim, an endorsement shall be issued by the company to reduce the sum insured corresponding to the property lost or damaged by the amount so settled from the date of loss, and no premium shall be refunded for the amount so reduced. if reinstatement of the sum insured is required by the insured upon settlement of the claim, an
additional premium for the reinstated amount shall be charged at an agreed rate, and be calculated on pro rata daily basis from the date of loss to the expiry of the insurance.
7. the time of validity of a claim under this insurance shall not exceed a period of two year counting from the date of loss. v. insured`s obligations
the following obligations shall be strictly fulfilled by the insured and his representative：
1. the insured and his representative, when applying for insurance shall make true answers or descriptions to the questions in the proposal and questionnaire or to any other questions raised by the company.
2. the insured and his representative shall pay to the company in due course the agreed premium in the manner as provided in the schedule and endorsements.
3. during the period of this insurance, the insured shall at his own expense take all reasonable precautions, including paying