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1、中國人民財產(chǎn)保險股份有限公司道路工程建筑工程一切險條款及附加條款一、第一部分物質(zhì)損失保險(一)保險責(zé)任1.在保險期間內(nèi),若保險單明細(xì)表中分項列明的保險財產(chǎn)在列明的工地范圍內(nèi),因除外責(zé)任(包括本部分的除外責(zé)任和總除外責(zé)任)以外的任何自然災(zāi)害或意外事故造成的物質(zhì)損壞或滅失(以下簡稱“損失”),保險人按本保險合同的約定負(fù)責(zé)賠償。2.對經(jīng)保險單列明的因發(fā)生上述損失所產(chǎn)生的有關(guān)費(fèi)用,保險人亦可負(fù)責(zé)賠償。3.保險人對每一保險項目的賠償責(zé)任均不得超過保險單明細(xì)表中對應(yīng)列明的分項保險金額以及附加條款或批單中規(guī)定的其他
2、適用的賠償限額。但在任何情況下,保險人在本保險合同項下承擔(dān)的對物質(zhì)損失的最高賠償責(zé)任不得超過保險單明細(xì)表中列明的總保險金額。定義自然災(zāi)害therebypromotingthe"two"studyandeducationeffectivelycarriedout.Thirdclassifiedguidance.Istudyandeducation,partymembersandcadres,hasasilverlining.Reality,highlightedguidancetopreventthe"
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8、partymembersinvolvedintheeducation,ensuringthattheorganizationisinplace,measuresare:指地震、海嘯、雷電、颶風(fēng)、臺風(fēng)、龍卷風(fēng)、風(fēng)暴、暴雨、洪水、水災(zāi)、凍災(zāi)、冰雹、地崩、山崩、雪崩、火山爆發(fā)、地面下陷下沉及其他人力不可抗拒的破壞力強(qiáng)大的自然現(xiàn)象。意外事故:指不可預(yù)料的以及被保險人無法控制并造成物質(zhì)損失或人身傷亡的突發(fā)性事件,包括火災(zāi)和爆炸。(二)除外責(zé)任保險人對下列各項不負(fù)責(zé)