中国人寿财产保险股份有限公司
利润损失险扩展条款（9个）
一、扩展类条款（6个）
01．包括全部营业额条款
兹经双方同意，在赔偿期限内如果为获得营业收入，被保险人或他人代其在营业处所以外的地点，销售货物或提供服务，则有关这项销售或服务所给付或应给付的金额，在计算赔偿期限的营业额时应包括在内。
本保险单所载其他条件不变。
01. Inclusion of All Turnover Clause
If during the Indemnity Period goods shall be sold or service shall be rendered elsewhere than at the Premises for the benefit of the business either by the Insured or by others on their behalf the money paid or payable in respect of such sales or services shall be brought into account in arriving at the Turnover during the Indemnity Period.
This Clause is subject otherwise to all the terms and conditions of this Policy.
02．未保险的维持费用条款
兹经双方同意，如本保险单未承保经营业务的维持费用(根据本保险单规定对毛利润的定义，在计算毛利润时已予减除)，在计算本保险单项下，可以取得补偿的营业费用增加的赔偿金额时，只赔偿营业费用增加乘以按毛利润与毛利润加上未保的维持费用之比例所得的那一部分额外费用。
本保险单所载其他条件不变。
02. Uninsured Standing Charges Clause
If any standing charges of the Business be not insured by this Policy (having been deducted in arriving at the Gross Profit as defined herein) then in compating the amount recoverable hereunder as Increase in Cost of Working that proportion only of the additional expenditure shall be brought into account which the Gross profit bears to the Sum of the Gross Profit and the uninsured standing charges.
This Clause is subject otherwise to all the terms and conditions of this Policy.
03．通道堵塞条款
兹经双方同意，由于邻近营业处所的财产遭受(本保险单所限定的)损坏，使营业中断或受到干扰，因而导致本保险单所承保的损失而上述损坏将阻碍该财产的使用或堵塞其通道口，则不论营业处所或被保险人在营业处所内的财产是否遭受损失，这项损失均应视作由于被保险人在营业处所使用的财产遭受损坏所造成的损失。
本保险单所载其他条件不变。
03．Prevention of Access Clause
It is hereby agreed that loss as insured by this Policy resulting from interruption or interference with the business in consequence of the damage (as within defined) to property in the vicinity of the premises which shall prevent or hinder the use thereof or access thereto, whether the premises or property on the insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by the Insured at the premises.
This Clause is subject otherwise to all the terms and conditions of this Policy.
04．谋杀等条款
兹经双方同意，本保险单所列明的“损失”一词应具有下列含义：
(1)由于营业处所发生传染病，而取消客房预订或不能接受预订；
(2)在营业处所发生谋杀或自杀；
(3)旅馆客人由于食用营业处所提供的变质或受病菌感染的食物或饮料而致伤害或引起疾病；
(4)由于营业处所的排水设施及其他卫生设备发生缺陷，遵照主管当局指示，关闭全部或部分营业处所。
本公司对每次事故损失所引起的本条款项下的索赔，不负责事故发生后头三天的损失。
被保险人务必注意使一切物件适合其原定用途，并应克尽职责，使营业处所避免发生上述意外事件，是本公司负担任何赔偿责任的先决条件。
本保险单所载其他条件不变。
04．Murder, Etc. Clause
It is hereby agreed that the term “the damage” as described in this Policy shall carry the following meaning:
1) The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the premises;
2) Murder or suicide occurring at the premises;
3) Injury or illness sustained by any guest arising from or traceable to foreign or infections matter in food or drink provided at the premises;
4) Closing of the whole or part of the premises by order of a competent public authority consequent upon defects in the drains and other sanitary facilities at the premises.
In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Company shall not be liable for the first three days of such loss.
It is a condition precedent to any liability of the Company that the Insured shall see to it that everything is fit for its intended use and shall exercise due diligence in making the premises free from encountering the aforesaid contingencies.
This Clause is subject otherwise to all the terms and conditions of this Policy.
05．公众事业设备扩展条款
兹经双方同意，如未发生本保险单所承保的损失，其原因是由于向被保险人营业处所供电，供气或供水的发电站，煤气厂或自来水厂不能供应电、气或水，使被保险人在本保险单指定的处所经营的业务中断或受到干扰所致，而不能供应电、气或水是直接由于被保险人获得这些供应的发电站或公共供电单位分站的财产遭受的损失 (本保险单的定义)所致，则这项损失应视为被保险人在营业处所使用的财产遭受损坏所造成的损失。
但本公司对下列损失不负责任：
政府、市政或地方当局或供应部门不是单纯为了保护人民生命安全或保障供应系统的其任何部分的有意行为所造成的任何损失，或上述任何当局或部门不是单纯出于供应单位的发电或供应设施，遭受所保风险造成损坏的需要，而行使其停止，限量或按配额供电、供气、供水的权力，因而造成的任何损失。
就上述扩展责任而言，对由于或归因于一种来源或原因所致的每项损失或一系列损失的赔偿期限如下：
自发生损失之日起，至此后不迟于六十天为止并由于发生损失而营业受到影响的一段时间。但除非每次停止供电、供气、供水持续二十四小时以上，否则本公司对由此而发生的任何损失不负责任。
本公司对上述每次停止供应的头二十四小时所遭受的任何损失也不负责任。
在任何起诉或诉讼中，如保险人认定，由于本条规定，损失或损坏不在本保险所保的范围以内，被保险人应负举反证的责任。
本保险单所载其他条件不变。
05．Public Utilities Extension Clause
It is hereby agreed that loss as insured by this Policy resulting from interruption of or interference with the business carried on by the insured at the premises described within in consequence of failure of electricity, gas or water supply at the terminal ends of the electricity service feeders/gas works/water works from which the Insured obtained electric supply/gas/water at the said premises directly due to the damage (as within difined) to property at an Electricity Station or Sub-Station of Public Electricity Supply Undertaking from which the Insured obtained electric supply/gas/water shall be deemed to be loss resulting from the damage to property used by the Insured at the premises.
Provided, however, that the Company shall not be liable for any loss occasioned by the deliberate act of the Government, Municipal or Local Authority or supply Authority not performed for the sole purpose of safeguarding life or protecting any part of the supply undertaking's system or by the exercise by any such authority of its power to with-hold or restrict or ration supply not necessitated solely by the damage to the supply undertaking's generating or supply equipment by an insured peril.
For the purpose of the above extension, the Indemnity Period in respect of each damage or of a series of damages consequent on or attributable to one source or original cause shall be as follows:
The period beginning with the occurrence of the damage and ending not later than sixty days thereafter during which the result of the business shall be affected in consequence of the damage.
Provided that the Company shall not be liable for any loss unless the duration of each such failure exceeds twenty-four hours and the Company shall not be liable for any loss for the first twenty-four hours of each such failure.
In any action, suit or other proceedings where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that this loss or damage is covered shall be upon the Insured.
This Clause is subject otherwise to all the terms and conditions of this Policy.
06．遗失欠款账册条款
兹经双方同意，在本保险单各项保险金额的限度以内，如果因本保险所承保的风险，保存在营业处所的应收未收账目的记录遗失、受毁或受损，本公司可以赔偿下列各项：
（1）顾客应付被保险人的一切数额，但以被保险人因损失账册的直接后果，而不能收取这些欠款为限。
（2）因损失账册而必须支付的超过正常收款费用部分的费用。
（3）证明本扩展责任条款项下的任何索赔时必须支付审计师的合理费用。
但以被保险人能凭审计师的书面证明证实其损失的为限。本公司在本扩展责任条款项下的最高赔偿责任，不能超过美元。
本扩展条款只适用于保险期内发生的应收未收账目记录灭失或损毁。
本保险单所载其他条件不变。
06．Loss of Book Debts Clause
It is hereby agreed that within the respective limits of sums insured under this Policy, in the event of the records of accounts receivable kept on the premises being lost, destroyed or damaged by any of the perils insured against under this insurance the Company will indemnify the Insured in respect of:
(1) all sums due to the Insured from customers, provided the Insured is unable to effect collection thereof as a direct result of such loss,
(2) any collection expense in excess of normal collection cost and made necessary because of such loss,
(3) Auditors' charges necessarily and reasonable incurred in substantiating any claim under this extension.
Provided that the Insured can substantiate the loss by documentary evidence by an Auditor and the Company's maximum liability under this extension shall not exceed USD _______________
This extension applies only with respect to loss of or damage to records of accounts receivable and occurring during the period of insurance.
This Clause is subject otherwise to all the terms and conditions of this Policy.
二、规范类条款（3个）
07．恢复保险金额条款
兹经双方同意，为了使本保险不因损失而减少保险金额，被保险人可对自发生损失之日起至保险期限终止日止就损失数额部分支付适当的额外保险费系恢复保险金额。
本保险单所载其他条件不变。
07．Reinstatement Clause
In consideration of the insurance not being reduced by the amount of any loss, the sum Insured may be reinstated by the Insured subject to an appropriate extra premium on the amount of the loss from the date thereof to the date of expiry of the Period of Insurance.
This Clause is subject otherwise to all the terms and conditions of this Policy.
08．每月预付赔款
兹经双方同意，如予要求，保险人在赔偿期间可以每月预付赔款。
本保险单所载其他条件不变。
08．Monthly Payment on Account
Payments on account will be made to the Insured monthly during the Indemnity Period if desired.
This Clause is subject otherwise to all the terms and conditions of this Policy.
09．调整保险费条款
兹经双方同意，被保险人如最迟在任何保险单年度满期后六个月内声明，根据审计师(查账员)的证明，与任何保险期最接近同期的十二个月会计期间所赚得的毛利润少于所保保险金额，可按比例退还差额部分的保险费，但退还保费不得超过保险期内对此项保险金额所付保险费的三分之一。如因任何意外事故而在本保险单项下索赔，则上述保险费的退还，只限于非该意外事故所造成保额减少的那部分差额项下的保险费。
本保险单所载其他条件不变。
09．Premium Adjustment Clause
If the Insured declares at the latest six months after the expiry of any policy year that the Gross Profit earned by the Insured during the accounting period of twelve months most nearly concurrent with any period of insurance as certified by the Insured's auditors was less than the Sum Insured thereon, a pro rata return of premium not exceeding one third of the premium paid on such Sum Insured for such period of insurance shall be made in respect of the difference.
If any accident has occurred giving rise to a claim such return of premium shall be made in respect only of so much of the said difference as is not due to such accident.
This Clause is subject otherwise to all the terms and conditions of this Policy.
中国人寿财产保险股份有限公司
利润损失保险费率规章
一、主险费率
利润损失险的费率以基础险费率为基础，并随赔偿期而上下浮动，设保险期限为一年，下表是赔偿期限与费率的关系，如赔偿期限有变化，费率则按下列表中的比例计收。
赔偿期限
费率百分比
1个月
50%
3个月
60%
6个月
100%
9个月
120%
12个月
150%
18个月
135%
24个月
120%
36个月
100%
说明：
（1）上述费率关系是在基础险费率正常情况下的比例，如果基础险费率定得较低，那么利损险费率应在上述比例基础上向上适当浮动。
（2）利润损失险应规定每次事故免赔额，免赔额可以用时间表达，但也可以按金额表达，每次事故免赔额不得低于三天，或与三天相等的毛利润金额。
二、附加险费率
（一）扩展类
每条扩展类扩展条款的收费不低于主险保费的%。
（二）规范类
此类条款的目的是为了规范主险条款，避免争议，因此不需收费。
三、费率浮动范围
上述费率在实际操作中可视具体风险状况在此基础上作上下30%的浮动。
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