以下為工商貿綜合保險主要不受保項目之概略,詳細內容請參閱保單: |
適用於整份保險 - 1.非法活動 2.因核能或輻射引致之傷害 3.因戰爭、內亂而引致的任何事故 |
有關財物保障的項目 - 1.盜竊,除非該事故涉及以暴力強行進入或離開受保物業 2.正常使用所造成的損耗、折舊,貶值 3.蟲蛀、天氣變化、發霉、修復的過程、設計失誤所引致的損毀、損失 4.因電力或機械故障所造成的損毀、損失 5.易碎物品的損毀,因火災或盜竊引致的損毀除外 6.在日常點算存貨時發現的損毀、損失 7.其他後果損失 8.適用之自負額 |
有關第三者責任保障的項目: 1.任何僱員 2.產品引起的責任 3.專業意見或服務的遺漏 4.受保人保管或控制的財產的損毀、損失 5.因支撐柱、牆的震動、移除而造的的人身傷害、財物損毀 6.罰款或其他後果損失 7.適用之自負額 |
有關僱員補償保險保障的項目 - 1.投保人對其承判商之僱員的責任 2.在受保區域(通常指香港)以外發生的事故 3.受傷或患疾的人,並非僱員補償條例所定義的『僱員』 4.任何罰款 |
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