国际贸易合同中的保险条款（中英文对照）

国际贸易合同中的保险条款

INSURANCE TERMS IN TRADE CONTRACTS

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保险条款 Insurance Clause

由买方负责投保。

Insurance is to be effected by the buyer.

由卖方按合同金额110%投保，保险种类为一切险, 从启运地至最终目的地.

The Product shall be covered by the Seller for 110% of total contract value against all risks from the place of departure to the final destination.

作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。按照汇票所使用的货币在吉隆坡赔付（无免赔率）

Marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of WAR & W.A. as per the people's insurance co. of china dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage)

Insurance policy or certificate settling agent's name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawn in excess of the credit value

保险单或凭证须表明理赔代理人的名称，保险费如增加10-17%可在本证金额以外支付

Insurance policy (certificate) … name of assured to be showed: a.b.c.co. ltd.

保险单或凭证作成以a.b.c.有限公司为被保险人

Insurance policy or certificate covering W.A. (or F.P.A.) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the people's insurance company of china dated保险单或凭证根据中国人民保险公司1981年1月1日的海洋运输货物保险条款和海洋运输货物战争险条款投保水渍险（或平安险）和战争险

Insurance policy/certificate covering all war mines risks

保险单/凭证投保一切险、战争险、地雷险（注：mines解释为地雷，属于战争险的负责范围，可以接受）

W.A. this insurance must be valid for period of 60 days after the discharge of goods

水渍险在货物卸船后60天有效。

In triplicate covering all risks and war risks including w.a. and breakage in excess of five per cent on the whole consignment and including w/w up to buyer's godown in penang

投保一切险和战争险包括水渍险，破碎损失有5%绝对免赔率，按全部货物计算，包括仓至仓条款，负责到买方在槟城的仓库为止（的保险单）一式三份。

Insurance policy issued of endorsed to order … for the face value of invoice plus 10% covering including war with 15 days after arrival of goods at destination, only against fpa and t.p.n.d.

按发票面值加10%投保战争险，货物到达目的地后15天有效，仅负责平安险和盗窃提货不着险的保险单开给或背书给……

Insurance policy or certificate issued by an insurance co. with w.p.a. clause covering the merchandise for about 10% above the full invoice value including unlimited transhipment with claims payable at Singapore

由保险公司签发的保险单或凭证按发票总金额另加10%投保水渍险，包括非限定转船的损失，在新加坡赔付。

covering all eventual risks 投保一切以外风险

covering all marine risks 投保一切海运风险

marine insurance policy including "both of blame" collision clauses and fully covering the shipment

海运保险单包括负责船舶互撞条款和全部货载

insurance … including deviation clauses 保险包括绕道条款

covering overland transportation all risks as per overland transportation cargo insurance clauses train, trucks) of the people's insurance company of china dated…

按照中国人民保险公司×年×月×日陆上运输货物保险条款（火车、汽车）投保陆上运输一切险

Covering air transportation all risk as per air transportation cargo insurance clauses of p.i.c.c.

按照中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切险

Insurance policy or certificate covering parcel post all risks including war risks as per parcel post insurance clauses and parcel post war risk insuracne clauses of the people's insurance company of china dated…

保险单或凭证按照中国人民保险公司×年×月×日邮包保险条款和邮包战争险条款投保邮包一切险和邮包战争险。

Covering all risks including war risks as per ocean marine cargo clauses and air transportation cargo insurance clauses and ocean marine cargo war risk clauses and air transportation cargo war risk clauses of the people's insurance company of china dated…

按照中国人民保险公司×年×月×日海洋运输货物保险条款和航空运输货物保险条款以及海洋运输货物战争险条款和航空运输货物战争险条款投保海空联运一切险和战争险。

Covering all risks as per ocean marine cargo clauses and overland transportation cargo insurance clause (train, truck) of p.i.c.c. dated…

按照中国人民保险公司×年×月×日海洋运输货物保险条款和陆上运输货物保险条款（火车、汽车）投保海陆联运一切险。

Covering all risks including war risks as per overland transportation cargo insurance clauses (train, truck) and air transportation cargo insurance clauses and air transportation cargo war risk clause and war clauses (for cargo transportation by rail) of the people's insurance company of china dated

按照中国人民保险公司×年×月×日陆运货物保险条款（火车、汽车）和空运货物保险条款以及空运货物战争险条款和铁路货运战争条款投保陆空陆联运一切险和战争险。

卖方应向信誉卓著的保险公司以买方为受益人按合同设备发票金额的110%投保一切险。按合同金额投保，并表明可在印度尼西亚索赔。

The Seller should make insurance with good-reputed insurance company in favor of Buyer, covering all risks, against 110% value of commercial invoice. The insurance should cover the value of contracted price, the insurance claim must be available in Indonesia in contract currency. No free clause for claim can't be included.

Including shortage in weight in excess of 0.5% (with 0.5% franchise) on the whole consignment

包括短量损失有0.5%绝对免赔率（0.5%相对免赔率），按全部货物计算

including risk of breakage and clashing 包括破裂或凹瘪险

including risk of chipping &

including risk of bad odour

包括恶味险

including damage by hooks, oils, muds and contact with other cargo(insured value)

包括钩损、油污、泥污以及和他物接触所致的损失（以保险价值为限）

including damage caused by rain fresh and/or water, internal combustion(total or partial loss)

包括淡水雨淋，自燃所致的损失（包括全部或部分损失）

including loss and/or damage caused by sea water, fresh-water, acid, grease

包括海水、淡水、酸蚀、油脂所致的损失

including t.p.n.d. loss and/or damage caused by heat, ship's sweat and odour, hoop-rust, breakage of packing

包括偷窃提货不着，受热船舱发汗，串味，铁箍锈损，包装破裂所致的损失

including damage caused by infestation mould 包括虫蛀霉烂的损失

including damage due to rough handling during transit subject to c.t.c.

按照中国保险条款包括运输途中操作不当所致的损失

including loss and/or damage from any external cause as per cic

按照中国保险条款包括外来原因所致的损失

including damage by slings, stains, grease, acids 包括吊具、斑污、油脂、酸蚀造成的损失

excluding risk of breakage

不包括破碎险

including the breakage does not cover the goods remarked in the invoice as originally damage

包括破碎险，但不负责发票所示之货物的原残损失

excluding natural loss in weight 不包括途耗短量的损失

Including 60 days after discharge of the goods at port of destination (or at station of destination) subject to c.t.c.

按照中国保险条款货物在目的港卸船（或在目的地车站卸车）后60天为止。

Including w.a. & risk of fire for 60 days in customs warehouse after discharge of the goods at port of destination subject to cic

按照中国保险条款投保水渍险和火险，在目的港卸货后存入海关仓库60天为止。

This insurance must be valid for a period of 60 days after arrival of merchandise at inland destination

本保险扩展到货物到达内地的目的地后60天有效

insurance policy or certificate covering f.p.a. including the risk of war and risks of s.r.c.c. as per i.c.c. dated…and institute war clauses dated…and institute s.r.c.c. clauses dated…

按照×年×月×日伦敦保险学会条款和×年×月×日学会战争险条款以及×年×月×日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险。

the people's insurance company of china investment insurance (political risks) clauses

中国人民保险公司投资保险（政治风险）条款

保险由买方办理 insurance to be covered by the buyers.

由卖方按发票金额的110% 投保水渍险，加保短量险，按1981年1月1日中国人民保险公司海洋运输货物保险条款为准。

Insurance to be covered by the sellers for 110% of the invoice value against W.P.A including shortage in weight as per and subject to the Ocean Marin Clauses of the People’s Insurance Company of China dated Jan. 1, 1981.

按到岸价成交的货物，由我公司按发票金额的110%投保一切险。

As to the goods priced on CIF basis, our company will insure against All Risks for 110% of invoice vale.

按CIF成交的货物，按发票金额加成10%投保一切险。

Effect insurance against All Risks for the invoice value plus 10% for the goods sold on CIF basis

将货物按发票金额加10%投保综合险。

Cover insurance on these goods for 10% above the invoice value against All Risks.

保险责任终止于…之日 the Period of Cover ends on the date

有权终止本保单 shall be entitled to terminate this Policy…

The Supplier shall effect with a reputable insurance company a policy or policies of insurance covering all the matters which are the subject of indemnities under these Conditions and shall at the request of the Purchaser produce the relevant policy or policies together with receipts or other evidence of payment of the latest premium due thereunder.

供应商应就合同项下的有关赔偿事项向知名保险公司购买一份或多份保险，并在采购方的要求下出示相关保单和最近支付保险费的收据及其它证据。

CONTRACTOR agrees to procure and maintain at its expense during the term of this Contract insurance coverage of the types and with limits of liability not less than those set out below:

承包商同意在合同期限内自付费用按以下规定的险别和不小于规定的保险金额进行投保，并保持保险有效。

In case under any Individual Contract Supplier is required to provide marine insurance, such insurance shall be provided with first class insurance companies satisfactory to the Distributor for an amount equivalent to one hundred and ten percent (110%) of the invoice amount, covering Institute Cargo Clause "All Risks" and "War and S.R. & C.C. Risks", unless otherwise agreed.

如果某一单独合同要求供货商来提供海运保险，此保险应由经销商满意的、第一流的保险公司来提供，保单金额应是货运单据金额的110％。除非另有约定，应覆盖货物保险条款的“所有风险”和“战争、罢工、骚乱、内乱险”。

In accordance with the provisions of contract, the Contractor shall at its expense take out and maintain in effect, or cause to be taken out and maintained in effect, during the performance of the Contract, the insurance set forth below in the sums and with the deductibles and other conditions as specified. The identity of the insurers and the form of the policies shall be subject to the approval of EMPLOYER. The costs for insurance to be included in Bid price

依照合同之规定，在合同履行期间，承包商负责投保或促成投保以保持该保险有效，保险金额、扣除条款及其他条件规定如下。保险公司和保险单形式均须获得业主正式批准。标价含保险费。

The following insurance shall be taken out and maintained by the Contractor during the period of delivery/installation/ construction/ field testing/commissioning/trial operation at the Site of the Works covered under the Contract:

依照合同规定，承包商须在现场工程交付/安装/施工/现场测试/调试/试运行期间投保和保持以下保险：

LANDLORD shall, at its sole cost and expense, 1) procure the Property All Risk Insurance for the Premises with the policy form of All Risk at replacement and/ or reinstatement value of the Premises; and 2) Public Liability Insurance, which shall include Advertising Sign and Decorations Extension Clause, Elevators, Lifts and Hoists Liability Extension Clause as well as Cross Liability Extension Clause. The limits of indemnity for each insured event under this Policy shall be USD 1,000,000 and no limits of sums of indemnity during the valid policy term. LANDLORD shall provide WAL-MART with all the original insurance documents for WALMARTs inspection, photocopy and record keeping, and shall keep such insurance policy in full force and effect at all times during the Term. LANDLORD ensures to include the insurance carriers waiver of subrogation right in the Property All Risk insurance policy, by which the insurance carrier waives its subrogation right against WALMART. The insurance carrier shall be the qualified one according to the relevant laws of the PRC. Without prior consent of WALMART, neither LANDLORD nor the insurance carrier shall cancel the Policy or modify any and all terms of the Policy. As a result that LANDLORD does not name WAL-MART as an additional insured or beneficiary of the policy, LANDLORD agrees to indemnify WAL-MART any actual losses arising from the Property All Risk Liability in accordance with the insurance coverage and compensation principles stipulated in the insurance policy. WALMART may, at its sole discretion, purchase insurance for internal renovations, improvements, inventory, cash and other physical assets within the Premises and public liability.

业主应自行购买如下保险：1)按房屋重置的价值为该房屋购买财产一切险且保单格式为“一

切险”；和2)公众责任险并附加广告牌和装饰物扩展条款、电梯责任条款和交扠责任扩展条

款。该保单的每次事故责任赔偿限额为一百万美元，承保期限内的责任赔偿限额无限额。业

主将向沃尔玛提供所有有关保险事宜的单证原件，供沃尔玛审核并复印件存档，并负责前述

保险在租期内保持其持续有效。业主承诺在“财产一切险”和“公众责任险”保单内附加

“保险公司放弃代位求偿权”的扩展条款，即放弃因财产一切险和公众责任险引起的对沃尔

玛的代位追偿权。投保的保险公司应符合中国有关的法规。未经沃尔玛事先书面同意，业主

或其保险公司不得取消保单或修正保单项下的任何内容。由于业主未能将沃尔玛列为保单的

共同被保险人或受益人，故业主同意如前述财产一切险的原因而使得沃尔玛蒙受任何损失，

业主愿意按保单项下保险的范围和赔偿原则赔偿沃尔玛的实际损失。沃尔玛可根据需要为其

在房屋内部的装修、改进设施、库存、现金及其它有形资产和公共责任购买保险。

合同条款中常见的保险责任约定

GREEMENT ON INSURANCE LIABILITIES IN CONTRACT

Before the commencement of the Project, the Contractor should purchase all insurances for the Project hereunder, such as, the insurance for the Project and for lives of the Contractors own employees and the personnel of any third party in the Site. All insurance fees have already been included in the Contract Price.

工程开工前，承包人应该为本合同所述工程购买所有保险。例如要为建设工程和施工场内的自有人员及第三人人员生命财产办理保险，所有保险费已包含在本合同价款中。

The Contractor shall purchase insurance for the materials to be used for the Project and the equipment to be installed which are delivered into the Site, and pay the insurance fees.

运至施工场地内用于工程的材料和待安装设备，由承包人办理保险，并支付保险费用。

The Contractor shall purchase insurance against accidents for the employees who engage in doing dangerous jobs, and cover insurance and pay insurance fees for its own personnel on the Site for their life and properties.

承包人必须为从事危险作业的职工办理意外伤害保险，并为施工场地内自有人员的生命财产投保。

The JVC shall purchase appropriate comprehensive insurance to cover various kinds of risks as would be usual for a joint venture enterprise engaged in the same type of industry and in manufacturing products similar to the Products including, without limitation, product liability covering the manufacture and supply of the Products and such insurance shall be underwritten by an insurance company registered in the PRC. The types, value and duration of insurance shall be decided by the Board of Directors after discussion with the insurance companies and Party B.

合营公司应购买同行业和生产与产品项类似的产品的合营企业通常购买的包含各种险种的综合保险，包含但不限于就生产和供应产品投保的产品责任险。该等保险应向一家在中国注册的保险公司购买。保险的险种、价值和期限应由董事会与保险公司和乙方商讨后决定。

The premises, plant, machinery and equipment, raw materials, components and the Products shall be insured by JVC for adequate replacement value against fire, storm, tempest, accident, flood, theft and other risks which may destroy or diminish the value of the Products or which may render the Products unfit for consumption.

合营公司应为场地、厂房、机器设备、原材料、部件和产品投保，一旦发生火灾、暴风雨、风暴、事故、水灾、盗窃和可能损害或降低产品的价值或使产品不适于消费的其他风险，保险获得的赔付应足以重置该等财产。

INSURANCE: To be covered by the seller for110% of invoice value against All Risks and war risks.

运输保险：由卖方负责按发票金额的110%投保一切险及战争险。

Insurance shall, to the extent it is available on premium and terms comparable to those abroad and as required by applicable Chinese law, be obtained in China and such policies will be denominated in Renminbi or foreign currency or both, as appropriate.

如果中国具备与国外保险费和条款项类似的保险，且中国适用法律要求进行保险，则可以在中国投保。保险单根据具体情况应以人民币、外币或两种货币计价。

Party A may self-insure their consignment, and can also commission Party B to handle insurance issues, insurance premiums shall be borne by Party A, the costs of which are not included in the those the two sides agreed; In case Party A is not insured, Party B shall not be responsible for the damage from non-B causes.

甲方可以对其托运的货物自行投保，也可委托乙方代为办理保险事宜，保险费由甲方承担，此费用不在双方约定的费用以内，如甲方未予保险 ，则非乙方原因产生的货损乙方不予负责。

The Company shall, at its own cost and expense, at all times during operation of the factory and other facilities and during any construction work take out and maintain full and adequate property insurance covering the buildings, contents, and other first party risks of the Company as are customarily insured against in China.

公司应在工厂和其他设施营运期间以及工程施工期间，自费购买并保有在中国按惯例应予保险的，包括公司建筑物、内部设施及其他第一方风险在内的全面和足够的财产保险。

The Company shall maintain product liability insurance, third party liability insurance and other relevant insurance coverage in order to protect the Company, its employees, agents and other appropriate parties from claims.

公司应保有产品责任险、第三方责任险和其他有关险种，以保护公司、其雇员、代理人及其他有关方不会成为索赔对象。

No insurance will be effected except upon express instructions given in writing by the Customer and accepted in writing by the Company, and all insurances effected by the Company are subject to the usual exceptions and conditions of the policies of the insurers or underwriters taking the risk. Unless otherwise agreed in writing, the Company shall not be under any obligation to affect a separate insurance on the goods, but may declare it on any open or general policy held by the Company.

除客户以书面形式作出明确指示且本公司以书面形式接受外，本公司概不会对任何货物投保。本公司投购的保险均须受承担风险的承保人所发出保单的常见例外条款及条件所约束。除另有书面协议外，本公司概无责任对货物另购保险，但可宣称以本公司任何公开或一般保单受保。

During the term of this Agreement, Party A shall undertake, renew and maintain for its benefit and interest, and at its own cost and expense, the following primary insurance policies:

在本协议的限期内，甲方应为自身利益自费购买、续买和保持下列主要保险：

General Public Liability Policy with Party B being named as a co-insured covering all loss, damage or liability incurred or arising from the operation of the Services including, without limitation, for bodily injury, death or property damage, for an amount not less than RMB25,000,000 per accident or occurrence;

一般公众责任险，乙方列为共同被保险人，承保范围为因履行服务而发生的或引起的一切损失、损害或责任，包括但不限于人身伤害、死亡或财产损坏，保险额为每次事故或时间不少于25,000,000元人民币；

Employer’s Liability Policy with Party B being named as a co-named in conformity with local laws and regulations and accepted practice in the PRC;

雇主责任险，乙方列为共同被保险人，此保险应符合中国地方法律法规和普遍接受的惯例；

Property Damage Policy covering its premises against all risks of direct physical loss or damage from any cause, or if such a policy is not available, against the risks of fire and associated risks such as explosion, electrical damage, water damage, riots, strikes, civil commotion, terrorism, windstorms, hurricanes, cyclones, floods, burglary, theft and other similar risks;

财产损害险，保险范围为其场所因任何原因发生直接有形损失或损害的一切风险，若无此保险单，则为火灾风险和相关风险，如爆炸、电气损害、水损害、暴乱、罢工、平民动乱、恐怖活动、风暴、飓风、龙卷风、水灾、盗窃和其他类似风险；

Property Damage Policy with Party B being named as the sole beneficiary covering loss or damage to the materials, Products, Bulks Products, Equipment and other property of Party B as a result of natural disaster or negligence or omission by Party A; and Party A shall inform Party B of any change to its insurance policies listed above which would result in a reduced insurance coverage.

财产损害险，乙方列为唯一受益人，保险范围为因自然灾害或甲方的过失或不作为而导致乙方的原料、产品、散装产品、设备和其他财产损失或损害，如果以上所列的保险单发生可能导致保险范围的缩小的变化，甲方应通知乙方。

Any other insurance policy or policies against such other insurable risks as shall be normal and customary in the PRC for operation similar to that of Party A, in each case with Party B named in the policy or a certificate of insurance as loss payee, additional insured, or in such manner as Party B’s insurance company and Party A’s insurance company may agree.

为与甲方经营活动相似的、在中国属于正常或惯例的针对其他可以保险的风险的任何其他保险，在每一险种的保险单或保险证明中，乙方均列为损失赔偿受偿人、附加被保险人、或按乙方的保险公司和甲方的保险公司约定的其他办法执行。

Throughout the term of this Agreement, Consultant shall at its own expense, obtain and maintain the following insurance policies: (a) Commercial General Liability insurance, with coverage of not less than US$ 1,000,000 per occurrence and US$ 2,000,000 in the aggregate for bodily injury and property damage, (b) Motor Vehicle Liability insurance for owned, non-owned and hired vehicles, with limits of not less than US$ 1,000,000 combined single limit for bodily injury and property damage, (c) Worker’s Compensation insurance in the amount required by statue for all states in which the project or work is to be performed, and (d) Professional Liability insurance with limits of not less than US$ 1,000,000 per claim. Consultant will endeavor to notify Client in writing of any material change to its coverage as described herein. Consultant shall furnish certificates of insurance evidencing coverage or other acceptable evidence of self-insurance to Client upon request.

在本协议整个期限内，顾问应自费获得并保持下列各项保险：(a)一般商业责任险，每发生一次事故，保险额不少于1,000,000美元，人身伤害和财产损坏的合计保险额为2,000,000美元；(b)自有、非自用和租用车辆的机动车辆责任险，人身伤害和财产损失合并的一次事故保险额不少于1,000,000美元；(c)工人赔偿保险，保险额应达到开展项目或工作所在州的法定要求；(d)职业责任保险，每项赔付限额不少于1,000,000美元。如果上述保险范围发生任何实质性变化，顾问将尽力以书面形式通知客户。应客户要求，顾问应向其提供证明承保范围的证书或其他可以接受的自保证明。

Insurance required under this Agreement shall be: 本协议项下要求的保险应是：

(a) Commercial General Liability insurance including bodily injury, property damage, personal injury, advertising injury and products/completed operations, with a limit of not less than US$ 1,000,000 each occurrence and US$ 2,000,000 annual aggregate.

(a)商业一般责任险，保险范围包括身体伤害，财产损害，人身伤害，广告侵害和产品/完成业务保险，每次事故赔偿限额不低于1,000,000美元，每年总计不低于2,000,000美元。

(b) Worker’s Compensation and Employer’s Liability insurance covering all persons whom the Contractor may employ in carrying out the services hereunder. Worker’s Compensation insurance will be in accordance with the Worker’s Compensation Law of the jurisdiction where the work is performed. Employer’s Liability shall be provided with limits of not less than US$ 500,000 each accident; US$ 500,000 each disease; and US$ 500,000 disease policy limit.

(b)员工补偿险和雇主责任险，保险范围包括承包商为提供本协议项下服务可能雇用的所有人员。员工补偿险将适用工作履行地的员工补偿法。雇主责任险的赔付是：每次事故的补偿限额不低于500,000美元；每次疾病补偿限额不低于500,000美元；以及500,000美元的疾病保险限额。

(c) Professional Liability insurance covering the negligent acts, errors or omissions committed by Consultant pursuant to rendering or failure to render professional services pursuant to the terms and conditions contained in the contract with limits of not less than US$ 5,000,000 per claim.

(c)职业责任险，保险范围为顾问根据合同规定条例款和条件提供专业服务发生的过失行为、错误或疏漏，或是未能根据合同规定的条款和条件提供专业服务，每项赔付限额不低于5,000,000美元。

Prior to the commencement of services hereunder, the Contractor shall furnish Party B with Certificates of Insurance (or evidence of self-insurance) for all insurance required herein. Each insurer must be reasonably acceptable to Party B, and possess a minimum Best’s rating of ‘A-VII’ (or equivalent rating agency in the country) and licensed to conduct business in all states/countries where this Agreement shall apply.

开始提供本协议项下的服务之前，承包人应向乙方提供本协议所要求的一切保险的保险单据（或自行投保的证据）。各保险公司必须能为乙方合理接受，至少达到贝斯特（或国内同等评级机构）评定的“A-VII”等级，并持有适用本协议的所有州/国家颁发的业务许可证。