Liability & Risks · Cover Explained责任防范 · 险种解读
Public Liability公众责任险
Third-Party Injury & Damage第三方伤害与损毁
What it covers
Legal liability for third-party personal injury or property damage caused by business operations or facility defects — including legal defence costs.
Critical condition: never admit liability
Never admit liability or offer compensation to a third party without first informing your insurer. Doing so may void your claim.
Exclusions
- Injury to own employees (Workmen's Comp scope)
- Damage to property in insured's custody
- Product defect liability (Product Liability scope)
- Contractual liabilities beyond Common Law
保障承诺
承保因经营业务或设施缺陷，导致第三方遭受人身伤害或财物损毁而依法应承担的赔偿责任，包含法律辩护费用。
重要：切勿私自承认责任
在未通知保险公司前，切勿向第三方承认责任或承诺赔偿。否则可能导致理赔被拒。
不保事项
- 被保险人员工的人身伤亡（属劳工险范围）
- 被保险人照管下的财物损失
- 产品缺陷导致的损害（属产品责任险范围）
- 合同约定的额外法律责任
Also in Liability & Risks同属责任防范
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