中国设备监理协会24复习课程.ppt

ChinaAssociationofPlantEngineeringConsultants中国设备监理协会ProfessionalIndemnityInsurance&RiskManagement职业责任保险及风险管理19June20092009年6月9日StephenBoddingtonJardineLloydThompsonAsia史蒂芬·博丁顿怡和保险顾问有限公司Agenda议题IntroductiontoProfessionalIndemnity职业责任保险简介PolicyOverview保单概述SourcesofClaims索赔来源WhyRiskManage为什么要进行风险管理RiskManagement风险管理WhatisProfessionalIndemnityInsurance?什么是职业责任保险?AninsurancepolicywhichassistsanInsuredinprotectingtheirbalancesheetagainstits’legalliabilityorallegedlegalliabilityarisingoutoftheperformanceofprofessionalservices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。WhyPurchaseProfessionalIndemnity为什么要购买职业责任保险Inadditionto“protectingbalance”sheetidentifiedearlier除了前面提到的“财产保护”功能外Satisfycontractualobligations:承担合同责任:> monrequirementinChina在中国,对职业责任保险通常没有要求> GreaterobligationsoutsideChina:在中国以外的国家责任更大: -Internationalcontracts国际合同 -InternationalclientsoperatingwithinChina在中国经营的外资客户ClaimsMadePolicy索赔发生制保单FUNDAMENTAL基本概念ItisthepolicyinforceatthetimeaclaimisfirstmadeagainsttheInsuredandnotifiedtoInsurerswhichwillprovideindemnitytotheInsured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Itisnotanypolicythatmayhavebeeninforceatthetimetheservicesgivingrisetotheclaimwereperformed可能引发索赔的服务并未发生在保单有效期之内Insured被保险人IndividualConsultant监理人员个人Note:注:ThepolicydoesnotincludeyourclientasanInsuredparty保险单的被保险方不包括您的客户Thepolicydoesnotincludeyoursub-consultantsasInsuredparties,howeverthepolicywillprovideanindemnitytoYouinrespectofyourvicariousliabilityarisingfromtheactsofsuchsub-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Policywillindemnifycurrentandpastpartners,directors,principalsandemployeesofthefirm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PolicyOverview保单概述InsuringClause/ScopeofCover保险条款/赔付范围Thepolicywill:保险将: IndemnifytheInsuredinrespectofactualorallegedlegalliabilityforclaimsmadeagainsttheInsuredarisingfromanyactualorallegednegligentact,、错误或疏忽引起的实际或被指称的法律责任进行赔偿。monlylimitedto“negligence”保单