GinsMall 智保網 | 保單檢查服務

你知道以下保單有什麼問題存在嗎？

Insured: ABC Contractor as Main Contractor &/or all its Sub-contractors of any tiers as may be appointed from time to time &/or Principal/Employer for their respective rights or interests

Class of Insurance : Contractors All Risk (Section II) and Employees Compensation

Period of Insurance: 3 months from dates to be advised

Insured Contract: Interior Decoration with scaffolding work not exceed 20% of Total Contract Value

Estimated Contract Value: HK$1,000,000.00

Contract Address: Sun Tuen Mun, Centre, Tuen Mun, N.T.

Terms and Conditions – Contractors All Risk (Section II) 

~ A1 – Extension of Cover for Vibration or Removal or Weakening of Support (Limit: HK$??? in aggregate)

~ A7 – Extension of Cover for Employer’s Property Clause (Limit: HK$??? in aggregate)

~ A8 – Extension of cover to Employer’s Employees as Visitors

~ B1 – Safety Precautions

~ B2 – Special Conditions for Underground Services Clause

~ Burning and Welding Clause

~ Cross Liability Clause

~ Non-Contribution Clause

~ Product / Completed Operations Liability Exclusion

~ Construction Site Exclusion

~ Illegal / Unauthorised Building Structure Exclusion

~ Excluded any liability of erection, installation or dismantling of scaffolding, gondola or swing boat;

~ Excluded any liability use of scaffolding, gondola or swing boat;

~ Excluded any liability of any structural alteration works which are not granted permissions from relevant authority;

~ Excluded any liability of any lifting and/or hoisting operations

~ Excluded any liability of  any exterior, outbuilding or external wall related works

~ War and Civil War Exclusion

~ Terrorism Exclusion Endorsement

~ Sanction Limitation and Exclusion Clause LMA3100

~ Contract (Rights of Third Parties) Ordinance

~ COVID-19 Exclusion

~ Loading and Unloading of Vehicle

~ LMA 5401 Property Cyber and Data Exclusion

Terms and Conditions – Employees Compensation

~ W204 – Extend to indemnify the sub-contractors

~ W338 – Indemnity to Principal Clause

~ W32 – Exclude any work over 30 feet above ground or floor level

~ Exclude any work on external walls of buildings or outside buildings

~ Sole proprietor or self-employed exclusion

~ Exclude Nominated Sub-contractor &/or Specialist Contractor

~ Exclude Principal / Employer / Landlord / Property Manager’s Employees

~ Excluded working on scaffolding, gondola, swing boats

~ Excluded any erection, installation or dismantling works of scaffolding, gondola or swing boat

~ Excluded construction site working

~ Excluded working in confined space

你知道以下保單有什麼問題存在嗎？

Insured: ABC Company Limited

Class of Insurance : Employees Compensation

Period of Insurance: 12 month from dates to be advised

Business: Transportation and Logistics

Employee Information:

Clerk (W12) x 3 = HK$720,000.00

Driver (5.5T)(CSE) x 2 = HK$600,000.00

Warehouse Keeper (CSE) x 5 = HK$1,200,000.00

Technicial Worker (W32A, CSE) x 1 = HK$300,000.00

Terms and Conditions: 

~ W12 / W32A / CSE

~ This Policy does not indemnify the Insured in respect of any claim arising in connection with the employees involving or engaging in manual work, warehouse manual work, driving work, goods delivery work, use of forklift / pallet truck operation work, manual work on construction site, construction work, work at height exceeding 15 feet above ground or floor level, underground work, gondola work, scaffolding work, roof top work, gardening work, repair, maintenance, installation & dismantling work, goods production / manufacturing / processing work or packing work & any kind of demonstration / march / parade in related business.

~ This policy does not indemnify the insured in respect of any claim arising in connection with the insured’s employees riding, using or operating bicycles / motorcycles / scooters directly or indirectly for any business activities purpose.

~ Emergency Transportation Cost Clause (Limit HK$50,000 AOA/AOP)

~ Extraordinary Weather Condition Clause

~ Held cover clause

~ Meal and lunch time clause

~ Social or recreational activities clause

你知道以下保單有什麼問題存在嗎？

Insured: ABC Contractor as Main Contractor

Class of Insurance : Contractors All Risk (Section II) and Employees Compensation (Open Cover)

Period of Insurance: 12 months from dates to be advised

Insured Contract: Air-conditioning installation with scaffolding work not exceed 20% of Total Contract Value

Estimated Contract Value: HK$1,000,000.00

Max. Contract Value: HK$500,000.00

Max. Contract Period: 2 weeks

Contract Address: Anywhere in Hong Kong but excluding Contraction Site

Terms and Conditions – Contractors All Risk (Section II) 

~ A1 – Extension of Cover for Vibration or Removal or Weakening of Support (Limit:  HK$??? in aggregate)

~ A7 – Extension of Cover for Employer’s Property Clause (Limit: HK$??? in aggregate)

~ A8 – Extension of cover to Employer’s Employees as Visitors

~ B1 – Safety Precautions

~ B2 – Special Conditions for Underground Services Clause

~ Burning and Welding Clause

~ Cross Liability Clause

~ Non-Contribution Clause

~ Product / Completed Operations Liability Exclusion

~ Construction Site Exclusion

~ Illegal / Unauthorised Building Structure Exclusion

~ Excluded any liability claim directly or indirectly arising in connection with

a) erection, installation or dismantling of scaffolding, gondola or swing boat;

b) the use of scaffolding, gondola or swing boat;

c) any structural alteration works which are not granted permissions from relevant authority;

d) any lifting and/or hoisting operations

e) any exterior, outbuilding or external wall related works

~ War and Civil War Exclusion

~ Terrorism Exclusion Endorsement

~ Sanction Limitation and Exclusion Clause LMA3100

~ Contract (Rights of Third Parties) Ordinance

~ COVID-19 Exclusion

~ Loading and Unloading of Vehicle

~ LMA 5401 Property Cyber and Data Exclusion

Terms and Conditions – Employees Compensation

~ W204 – Extend to indemnify the sub-contractors

~ W338 – Indemnity to Principal Clause

~ W32 – Exclude any work over 30 feet above ground or floor level

~ Exclude any work on external walls of buildings or outside buildings

~ Sole proprietor or self-employed exclusion

~ Exclude Nominated Sub-contractor &/or Specialist Contractor

~ Exclude Principal / Employer / Landlord / Property Manager’s Employees

~ Excluded working on scaffolding, gondola, swing boats

~ Excluded any erection, installation or dismantling works of scaffolding, gondola or swing boat

~ Excluded construction site working

~ Excluded working in confined space

你知道以下保單有什麼問題存在嗎？

Insured: ABC Company

Class of Insurance : Property All Risks Insurance

Period of Insurance: 12 months from dates to be advised

Business: Landlord / Property Investment (Commercial / Residential)

On the fabric of building (excluding foundation and drains): HK$5,000,000.00

Risk Location : XXXX Commercial Building, Wan Chai, Hong Kong

Terms and Conditions 

~ No Control Clause

~ Payment on Account Clause

~ Errors and Omissions and Misdescription Clause

~ Automatic Reinstatement Clause

~ A7 – Foundations exclusion

~ A12 – Non-occupying landlord clause

~ A13 – Mortgagee clause

~ Terrorism Exclusion Endorsement

~ Terrorism Exclusion Clause for Contamination and Explosives

~ War and Civil War Exclusion Clause

~ Nucleaer Energy Risks Exclusion Clause

~ Pollution and Contamination Exclusion Clause

~ Communicable Disease Endorsement LMA5393

~ Cyber Loss Exclusion LMA5411

~ Sanction Limitation and Exclusion Clause

~ Contract (Rights of Third Parties) Ordinance Clause

你知道以下保單有什麼問題存在嗎？

Insured: ABC Company

Class of Insurance : Public Liability Insurance

Period of Insurance: 12 months from dates to be advised

Business: Building Management

Risk Location : XXXX Commercial Building, Wan Chai, Hong Kong

Terms and Conditions 

~ Fire and Explosion Clause

~ No Control Clause

~ Errors & Omission & Misdescription Clause

~ Infectious Disease Exclusion

~ Fire Brigade and Water Damage

~ First Aid Clause

~ Tenants Liability Extension

~ Construction Site Works Exclusion

~ Absolute Pollution Exclusion

~ Self-employed Person and Sole-proprietor Exclusion

~ Sanction Limitation and Exclusion Clause

~ War and Terrorism Exclusion (including Contamination and Explosives)

~ Total Asbestos Exclusion Clause

~ Rights of Third Parties