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。    经被保险人特别申请，并经本公司书面同意，下列物品及费用经专业人员或公估部门鉴定并确定价值后，亦可作为保险财产：    （一）金银、珠宝、钻石、玉器；    （二）古玩、古币、古书、古画；    （三）艺术作品、邮票；    （四）建筑物上的广告、天线、霓虹灯、太阳能装置等；    （五）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：    （一）枪支弹药、爆炸物品；    （二）现钞、有价证券、票据、文件、档案、帐册、图纸；    （三）动物、植物、农作物；    （四）便携式通讯装置、电脑设备、照相摄像器材及其他贵重物品；    （五）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（以下简称“损失”），本公司同意按照本保险单的规定负责赔偿。    （一）火灾；    （二）爆炸，但不包括锅炉爆炸；    （三）雷电；    （四）飓风、台风、龙卷风；    （五）风暴、暴雨、洪水    但不包括正常水位变化、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，亦不包括由于风暴、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；    （六）冰雹；    （七）地崩、山崩、雪崩；    （八）火山爆发；    （九）地面下陷下沉，但不包括由于打桩、地下作业及挖掘作业引起的地面下陷下沉；    （十）飞机坠毁、飞机部件或飞行物体坠落；    （十一）水箱、水管爆裂，但不包括由于锈蚀引起水箱、水管爆裂。三、除外责任    本公司对下列各项不负责赔偿：    （一）被保险人及其代表的故意行为或重大过失引起的任何损失和费用；    （二）地震、海啸引起的损失和费用；    （三）贬值、丧失市场或使用价值等其他后果损失；    （四）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、暴动、民众骚乱引起的损失和费用；    （五）政府命令或任何公共当局的没收、征用、销毁或毁坏；    （六）核裂变、核聚变、核武器、核材料、核幅射以及放射性污染引起的任何损失和费用；    （七）大气、土地、水污染及其他各种污染引起的任何损失和费用，但不包括由于本保险单第二条责任范围列明的风险造成的污染引起的损失；    （八）本保险单明细表或有关条款中规定的应由被保险人自行负担的免赔额；    （九）其他不属于本保险单第二条责任范围列明的风险引起的损失。四、赔偿处理    （一）如果发生本保险责任范围内的损失，本公司选择下列方式赔偿：    １．按受损财产的价值赔偿；    ２．赔付受损财产基本恢复原状的修理、修复费用；    ３．修理、恢复受损财产，使之达到与同类财产基本一致的状况。    （二）受损财产的赔偿按损失当时的市价计算。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，赔偿按保险金额与市价的比例计算。如本保险所载项目不止一项时，赔款按本规定逐项计算。    （三）保险项目发生损失后，如本公司按全部损失赔付，其残值应在赔款中扣除，本公司有权不接受被保险人对受损财产的委付。    （四）任何属于成对或成套的项目，若发生损失，本公司的赔偿责任不超过该受损项目在所属整对或整套项目的保险金额中所占的比例。    （五）发生损失后，被保险人为减少损失而采取必要措施所产生的合理费用，本公司可予以赔偿，但本项费用以保险财产的保险金额为限。    （六）本公司赔偿损失后，由本公司出具批单将保险金额从损失发生之日起相应减少，并且不退还保险金额减少部分的保险费。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比例计算的保险费。    （七）被保险人的索赔期限，从损失发生之日起，不得超过两年。五、被保险人的义务    被保险人及其代表应严格履行下列义务：    （一）投保时，被保险人及其代表应对投保申请书中列明的事项以及本公司提出的其他事项作真实、详尽的说明或描述；    （二）被保险人及其代表应根据本保险单明细表和批单中的规定按期缴付保险费；    （三）在保险期限内，被保险人应采取一切合理的预防措施，包括认真考虑并付诸实施本公司代表提出的合理的防损建议，由此产生的一切费用，均由被保险人承担；    （四）在发生引起或可能引起本保险单项下索赔的损失时，被保险人及其代表应：    １．立即通知本公司，并在七天或经本公司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；    ２．采取一切必要措施防止损失的进一步扩大并将损失减少到最低程度；    ３．在本公司的代表或检验师进行勘查之前，保留事故现场及有关实物证据；    ４．根据本公司的要求提供作为索赔依据的所有证明文件、资料和单据。六、总则    （一）保单效力    被保险人严格地遵守和履行本保险单的各项规定，是本公司在本保险单项下承担赔偿责任的先决条件。    （二）保单无效    如果被保险人或其代表漏报、错报、虚报或隐瞒有关本保险的实质性内容，则本保险单无效。    （三）保单终止    除非经本公司书面同意，本保险单将在下列情况下自动终止：    １．被保险人丧失保险利益；    ２．承保风险扩大。    本保险单终止后，本公司将按日比例退还被保险人本保险单项下未到期部分的保险费。    （四）保单注销    被保险人可随时书面申请注销本保险单，本公司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，前者本公司按短期费率计收，后者按日比例计收。    （五）权益丧失    如果任何索赔含有虚假成分，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故意行为或纵容所致，被保险人将丧失其在本保险单项下的所有权益。对由此产生的包括本公司已支付的赔偿在内的一切损失，应由被保险人负责赔偿。   （六）合理查验    本公司的代表有权在任何适当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公司要求的用以评估有关风险的详情和资料。但上述查验并不构成本公司对被保险人的任何承诺。    （七）重复保险    本保险单负责赔偿损失、费用或责任时，若另有其他保障相同的保险存在，不论是否由被保险人或他人以其名义投保，也不论该保险赔偿与否，本公司仅负责按比例分摊赔偿的责任。    （八）权益转让    若本保险单项下负责的损失涉及其他责任方时，不论本公司是否已赔偿被保险人，被保险人应立即采取一切必要的措施行使或保留向该责任方索赔的权利。在本公司支付赔偿后，被保险人应将向该责任方追偿的权利转让给本公司，移交一切必要的单证，并协助本公司向责任方追偿。    （九）争议处理    被保险人与本公司之间的一切有关本保险的争议应通过友好协商解决。如果协商不成，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、特别条款    下列特别条款适用于本保险单的各个部分，若其与本保险单的其他规定相冲突，则以下列特别条款为准。  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人向＿＿＿＿＿＿保险公司（以下简称“本公司”）提交书面投保申请和有关资料（该投保申请及资料被视作本保险单的有效组成部分），并向本公司缴付了本保险单明细表中列明的保险费，本公司同意按本保险单的规定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。      ＿＿＿＿＿＿保险公司    ＿＿＿＿＿＿    授权签字    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      （一）保险财产      １．建筑物（包括装修）：      ２．机器设备：      ３．装置、家俱及办公设施或用品：      ４．仓储物品：      ５．其他：      （二）附加费用      １．清除残骸费用：      ２．灭火费用：      ３．专业费用：      ４．其他费用：      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      本保险单受中华人民共和国的司法管辖    十、特别条款      财产险保单明细表      ＿＿＿＿＿＿保险公司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 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,  ancient  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:    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.            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  pressure  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,  canal  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 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  andother 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  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;    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 d'etat, strike, riot,  and  civilcommotion;    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 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 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  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 the scope  of  cover  of  the  policy  byeither:    1.1 paying the amount of the actual value  of  the  property  lost  ordamaged or;    1.2 paying the necessary cost of repairing or  restoring  the  damagedproperty to its nearest condition immediately preceding the damage or;    1.3 repairing or restoring the damaged property to a condition 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 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 one 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 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.    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 settlement 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  insured  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 year counting from the date of loss.            v. insured's 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 questionnaire 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  reasonable  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 gives or might give rise to  aclaim under this policy, the insured or his representative shall:    4.1 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 damage;    4.2 take all necessary measures to avoid aggravation of  the  loss  ordamage and minimize it to the least extent;     4.3  preserve  the  spot  affected  and  defective  parts  before  aninspection is carried  out  by  a  representative  or  surveyor  from  thecompany;    4.4 furnish all such  information  and  documentary  evidence  as  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 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 the  company  in  writing,  thispolicy shall be automatically terminated if:    3.1 the insurable interest of the insured is lost;    3.2 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 date 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 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  obtain  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  arisingtherefrom 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  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, damage, 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 indemnification  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 against 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  thecompany 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 the 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  made  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 witnesses 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_________________________ authorised signaturedate of issue:place of issue:            schedule policy no.:1. name and address of the insured   1.1 the insured:   1.2 address:2. location of the property insured:3. nature of trade:4. insured items and sums insured:    insured items                     sums insured    4.1 property insured    4.1.1 building(s) (including decoration):    4.1.2 machinery and equipment:    4.1.3 furniture and fixture:    (including office equipment and supplies)    4.1.4 stock:    4.1.5 others:    4.2 additional expenses:    4.2.1 removal of debris fees:    4.2.2 fire extinguishing expenses:    4.2.3 professional fees:    4.2.4 other expenses:    total sum insured:5. deductible (any one accident):6. period of insurance: ___ months.    from 00:00 of _________ to 24:00 hours of ______7. premium rate:       total premium:8. date of payment:9. jurisdiction:    this policy is governed by law of the people's republic of china.10. special provisions:    property insurance policy's schedule                         _________ insurance company责任编辑：陈红