{"id":21209,"date":"2026-07-11T02:57:16","date_gmt":"2026-07-11T02:57:16","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21209"},"modified":"2026-08-15T03:33:03","modified_gmt":"2026-08-15T03:33:03","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9acgl%e9%99%a4%e5%a4%96%e8%b4%a3%e4%bb%bb","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21209","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aCGL\u9664\u5916\u8d23\u4efb"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u73b0\u5728\u8fdb\u5165 <strong>CGL\uff08Commercial General Liability\uff09\u6700\u96be\u3001\u4e5f\u662f RIBO \u6700\u559c\u6b22\u8003\u7684\u7ae0\u8282\u2014\u2014Exclusions\uff08\u9664\u5916\u8d23\u4efb\uff09<\/strong>\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contractual Liability <\/li>\n\n\n\n<li>Damage to Your Product <\/li>\n\n\n\n<li>Damage to Your Work <\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f70f0f\" class=\"has-inline-color\">Impaired Property <\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f31010\" class=\"has-inline-color\">Recall of Products <\/mark><\/li>\n\n\n\n<li>Pollution Liability <\/li>\n\n\n\n<li>Employers&#8217; Liability <\/li>\n\n\n\n<li>Professional Liability\uff08Errors &amp; Omissions\uff09 <\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f40d0d\" class=\"has-inline-color\">Cyber Liability<\/mark><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e00\u53e5\u8bdd\u5148\u8bb0\u4f4f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u8ba4\u4e3a\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>CGL = \u4ec0\u4e48\u8d23\u4efb\u90fd\u8d54\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u6700\u5927\u7684\u9519\u8bef\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9e\u9645\u4e0a\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>CGL \u662f&#8221;\u5148\u4fdd\uff0c\u518d\u6392\u9664\uff08Cover first, then exclude\uff09&#8221;\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage A \u5f88\u5bbd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u9762\u6709\u5f88\u591a <strong>Exclusions\uff08\u9664\u5916\u8d23\u4efb\uff09<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u5f88\u559c\u6b22\u8003\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Which loss is NOT covered?<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">CGL Coverage A \u5148\u590d\u4e60\u4e00\u4e0b<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage A\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Bodily Injury\uff08BI\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u548c<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Property Damage\uff08PD\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7531\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Occurrence\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9910\u5385\u5730\u677f\u6e7f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u987e\u5ba2\u6454\u65ad\u817f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; Covered\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88c5\u4fee\u5de5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u5c0f\u5fc3\u649e\u574f\u5ba2\u6237\u5899\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; Covered\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0b\u9762\u8fdb\u5165 Exclusions\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e00\u7c7b\uff1aExpected or Intended Injury<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u975e\u5e38\u7231\u8003\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e3e\u4f8b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u987e\u5ba2\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6765\u9910\u5385\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8001\u677f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u62f3\u628a\u987e\u5ba2\u6253\u4f24\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u5b66\u751f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u89c9\u5f97\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d7\u4f24\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL \u5e94\u8be5\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u5b9e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6545\u610f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Expected\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intended\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Accident = Covered<\/strong><\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Intentional = Excluded<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e8c\u7c7b\uff1aContractual Liability<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u6700\u96be\u7406\u89e3\u7684\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u610f\u601d\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6cd5\u5f8b\u8d23\u4efb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u81ea\u5df1\u7b7e\u5408\u540c\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u989d\u5916\u627f\u62c5\u7684\u8d23\u4efb\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3e\u4e2a\u4f8b\u5b50\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88c5\u4fee\u516c\u53f8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b7e\u5408\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5408\u540c\u5199\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;\u65e0\u8bba\u53d1\u751f\u4ec0\u4e48\uff0c\u6211\u4eec\u8d54\u5168\u90e8\u3002&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u6765\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u5b9e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6cd5\u5f8b\u672c\u6765\u4e0d\u7528\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5408\u540c\u8bf4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8d54\u8fd9\u79cd\u989d\u5916\u627f\u62c5\u7684\u8d23\u4efb\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO\u5173\u952e\u8bcd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assumed Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contract<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Indemnity Agreement<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contractual Liability\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e09\u7c7b\uff1aDamage to Your Product<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u7ecf\u5178\u9677\u9631\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u5356\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u89c6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u89c6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u574f\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u987e\u5ba2\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8981\u6c42\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ea7\u54c1\u672c\u8eab\u6709\u95ee\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d28\u91cf\u95ee\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Liability\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u89c6\u7206\u70b8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u70e7\u4e86\u987e\u5ba2\u623f\u5b50\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u623f\u5b50\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u89c6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8d54\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Your Product<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u4ea7\u54c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9020\u6210\u522b\u4eba\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u56db\u7c7b\uff1aDamage to Your Work<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ddf\u4e0a\u4e00\u9898\u975e\u5e38\u50cf\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3e\u4f8b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88c5\u4fee\u516c\u53f8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u94fa\u5730\u677f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u94fa\u574f\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u7684\u5de5\u4f5c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u94fa\u574f\u540e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6f0f\u6c34\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ce1\u574f\u5ba2\u6237\u5bb6\u5177\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bb6\u5177\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u65b0\u94fa\u5730\u677f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8d54\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Your Work<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Redo Your Own Work<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excluded\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e94\u7c7b\uff1aProfessional Liability<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u5b66\u751f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u5bb9\u6613\u9519\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u751f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f00\u9519\u836f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f8b\u5e08\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5199\u9519\u5408\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5efa\u7b51\u5e08\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bbe\u8ba1\u9519\u8bef\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f1a\u8ba1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b97\u9519\u7a0e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6807\u51c6 CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Professional Liability\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9700\u8981\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O\uff08Errors &amp; Omissions\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u5f88\u559c\u6b22\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u751f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f8b\u5e08\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5de5\u7a0b\u5e08\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669 Broker\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u623f\u5730\u4ea7\u7ecf\u7eaa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5168\u90e8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Professional Liability\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u516d\u7c7b\uff1aPollution<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5de5\u5382\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5316\u5b66\u54c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6f0f\u5230\u6cb3\u91cc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6807\u51c6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excluded\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c61\u67d3\u98ce\u9669\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u592a\u5927\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9700\u8981\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pollution Liability\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u952e\u8bcd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contamination<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pollution<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chemical Release<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e03\u7c7b\uff1aEmployer&#8217;s Liability<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0a\u73ed\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6454\u65ad\u817f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8001\u677f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88ab\u5458\u5de5\u544a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009 Covered\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u5b9e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e94\u8be5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Workers&#8217; Compensation\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u62ff\u5927\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">WSIB\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employee<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Workers Compensation\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u516b\u7c7b\uff1aAuto Liability<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u2605\u2605\u2605\u2605\u2605<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u53f8\u8d27\u8f66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u649e\u4eba\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commercial Auto\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u770b\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vehicle\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5148\u60f3\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commercial Auto\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e5d\u7c7b\uff1aAircraft &amp; Watercraft<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u98de\u673a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8239\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excluded\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9700\u8981\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e13\u95e8\u4fdd\u9669\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u5341\u7c7b\uff1aCCC<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u521a\u5b66\u8fc7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u7535\u8111\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fee\u7406\u671f\u95f4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u70e7\u6bc1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excluded\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bailee\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e00\u5f20\u56fe\u5168\u90e8\u4e32\u8d77\u6765<\/h1>\n\n\n\n<pre class=\"wp-block-code\"><code>\u522b\u4eba\u53d7\u4f24\uff1f\n\n\u2193\n\nAccident\uff1f\n\n\u2193\n\nYES\n\n\u2193\n\nCoverage A\n\n\u2193\n\n\u518d\u68c0\u67e5\n\n\u6709\u6ca1\u6709 Exclusion\uff1f\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u6545\u610f\uff1f\n\n\u2193\n\nExcluded\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u5408\u540c\u8d23\u4efb\uff1f\n\n\u2193\n\nExcluded\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u81ea\u5df1\u4ea7\u54c1\uff1f\n\n\u2193\n\nExcluded\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u81ea\u5df1\u65bd\u5de5\uff1f\n\n\u2193\n\nExcluded\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u4e13\u4e1a\u9519\u8bef\uff1f\n\n\u2193\n\nE&amp;O\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u6c61\u67d3\uff1f\n\n\u2193\n\nPollution Liability\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u5458\u5de5\uff1f\n\n\u2193\n\nWorkers Compensation\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u6c7d\u8f66\uff1f\n\n\u2193\n\nCommercial Auto\n\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n\n\u5ba2\u6237\u4ea4\u7ed9\u4f60\u4fdd\u7ba1\uff1f\n\n\u2193\n\nCCC\n\nBailee<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u6700\u7231\u8003\u7684 10 \u4e2a\u5173\u952e\u8bcd<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5173\u952e\u8bcd<\/th><th>\u7b54\u6848<\/th><\/tr><\/thead><tbody><tr><td>Intentional<\/td><td>Excluded<\/td><\/tr><tr><td>Contract<\/td><td>Contractual Liability<\/td><\/tr><tr><td>Your Product<\/td><td>Excluded<\/td><\/tr><tr><td>Your Work<\/td><td>Excluded<\/td><\/tr><tr><td>Engineer<\/td><td>Professional Liability<\/td><\/tr><tr><td>Lawyer<\/td><td>Professional Liability<\/td><\/tr><tr><td>Pollution<\/td><td>Excluded<\/td><\/tr><tr><td>Employee Injury<\/td><td>Workers Compensation<\/td><\/tr><tr><td>Company Vehicle<\/td><td>Commercial Auto<\/td><\/tr><tr><td>Care Custody Control<\/td><td>Bailee<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u7b2c\u4e00\u5957 RIBO \u771f\u9898\u98ce\u683c\uff08\u2605\u2605\u2605\u2605\u2605\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c1\u9898<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u9910\u5385\u8001\u677f\u6545\u610f\u628a\u987e\u5ba2\u63a8\u5012\uff0c\u5bfc\u81f4\u987e\u5ba2\u9aa8\u6298\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u9879\u6700\u6b63\u786e\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Covered under Coverage A<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Covered under Coverage B<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Excluded because the injury was intentional<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Workers Compensation<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c2\u9898<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u7535\u5b50\u4ea7\u54c1\u516c\u53f8\u51fa\u552e\u7684\u7535\u89c6\u56e0\u5236\u9020\u7f3a\u9677\u65e0\u6cd5\u5f00\u673a\uff0c\u4f46\u6ca1\u6709\u9020\u6210\u4efb\u4f55\u5176\u4ed6\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u9879\u6700\u6b63\u786e\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. CGL \u8d54\u7535\u89c6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Commercial Property \u8d54\u7535\u89c6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Damage to Your Product Exclusion<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Builder&#8217;s Risk<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c3\u9898<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u88c5\u4fee\u516c\u53f8\u94fa\u8bbe\u7684\u5730\u677f\u5b89\u88c5\u9519\u8bef\uff0c\u9700\u8981\u5168\u90e8\u62c6\u6389\u91cd\u505a\uff0c\u4f46\u6ca1\u6709\u635f\u574f\u5ba2\u6237\u5176\u4ed6\u8d22\u4ea7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u9879\u6700\u6b63\u786e\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">A. Damage to Your Work Exclusion<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Coverage A<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Extra Expense<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Builder&#8217;s Risk<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c4\u9898<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u540d\u5de5\u7a0b\u5e08\u56e0\u8bbe\u8ba1\u9519\u8bef\u5bfc\u81f4\u5ba2\u6237\u7ecf\u6d4e\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u9879\u4fdd\u9669\u6700\u9002\u5408\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. CGL<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Commercial Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. Professional Liability (E&amp;O)<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Motor Truck Cargo<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c5\u9898\uff08\u2605\u2605\u2605\u2605\u2605 \u7efc\u5408\u9898\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u4fee\u8f66\u5382\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5458\u5de5\u9a7e\u9a76\u516c\u53f8\u62d6\u8f66\u649e\u574f\u522b\u4eba\u6c7d\u8f66\uff1b<\/li>\n\n\n\n<li>\u540c\u65f6\u5ba2\u6237\u7559\u5728\u7ef4\u4fee\u5382\u7684\u6c7d\u8f66\u88ab\u5458\u5de5\u64cd\u4f5c\u5931\u8bef\u649e\u574f\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5206\u522b\u5e94\u7531\u54ea\u79cd\u4fdd\u9669\u5904\u7406\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">A. Commercial Auto \/ Bailee\uff08\u6216 Garage Keepers\uff09<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. CGL \/ Commercial Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Commercial Auto \/ Commercial Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. CGL \/ CGL<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bf7\u76f4\u63a5\u4f5c\u7b54\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1C 2C 3A 4C 5A<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5957\u9898\u7684\u96be\u5ea6\u5df2\u7ecf\u975e\u5e38\u63a5\u8fd1\u6b63\u5f0f RIBO Level 1 \u8003\u8bd5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Recall of Products<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recall of Products\uff08\u4ea7\u54c1\u53ec\u56de\u8d39\u7528\u4fdd\u9669\uff09<\/strong> \u662f Commercial General Liability (CGL) \u4e2d\u53e6\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684 RIBO \u8003\u70b9\uff0c\u800c\u4e14\u7ecf\u5e38\u548c <strong>Impaired Property<\/strong> \u4e00\u8d77\u8003\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Recall of Products \u662f\u4ec0\u4e48\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recall of Products<\/strong> \u662f\u6307\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u5c06\u5df2\u7ecf\u51fa\u552e\u5230\u5e02\u573a\u4e0a\u7684\u4ea7\u54c1\u6536\u56de\uff08Recall\uff09\uff0c\u56e0\u4e3a\u53d1\u73b0\u4ea7\u54c1\u5b58\u5728\u7f3a\u9677\u6216\u53ef\u80fd\u9020\u6210\u4f24\u5bb3\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u98df\u54c1\u6c61\u67d3<\/li>\n\n\n\n<li>\u6c7d\u8f66\u5239\u8f66\u7f3a\u9677<\/li>\n\n\n\n<li>\u513f\u7ae5\u73a9\u5177\u5b58\u5728\u5b89\u5168\u9690\u60a3<\/li>\n\n\n\n<li>\u836f\u54c1\u8d28\u91cf\u95ee\u9898<\/li>\n\n\n\n<li>\u5bb6\u7535\u53ef\u80fd\u8d77\u706b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u77e5\u5ba2\u6237<\/li>\n\n\n\n<li>\u56de\u6536\u4ea7\u54c1<\/li>\n\n\n\n<li>\u8fd0\u8f93\u4ea7\u54c1<\/li>\n\n\n\n<li>\u68c0\u67e5\u4ea7\u54c1<\/li>\n\n\n\n<li>\u66f4\u6362\u4ea7\u54c1<\/li>\n\n\n\n<li>\u9500\u6bc1\u4ea7\u54c1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u90fd\u4f1a\u4ea7\u751f\u5927\u91cf\u8d39\u7528\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">CGL \u4f1a\u8d54\u5417\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4e00\u822c\u4e0d\u4f1a\u8d54\uff01<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f RIBO \u975e\u5e38\u559c\u6b22\u8003\u7684\u5730\u65b9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recall Costs\uff08\u4ea7\u54c1\u53ec\u56de\u8d39\u7528\uff09\u901a\u5e38\u5c5e\u4e8e CGL \u7684\u9664\u5916\u8d23\u4efb\uff08Excluded\uff09\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u77e5\u5ba2\u6237<\/li>\n\n\n\n<li>\u5e7f\u544a\u8d39\u7528<\/li>\n\n\n\n<li>\u90ae\u5bc4\u8d39\u7528<\/li>\n\n\n\n<li>\u56de\u6536\u8fd0\u8f93\u8d39\u7528<\/li>\n\n\n\n<li>\u4ed3\u50a8\u8d39\u7528<\/li>\n\n\n\n<li>\u66f4\u6362\u4ea7\u54c1\u8d39\u7528<\/li>\n\n\n\n<li>\u9500\u6bc1\u8d39\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8fd9\u4e9b\u8d39\u7528\u901a\u5e38\u90fd\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u8fd9\u4e9b\u5c5e\u4e8e\u4f01\u4e1a\u81ea\u5df1\u7684\u5546\u4e1a\u98ce\u9669\uff08Business Risk\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e3e\u4e2a\u4f8b\u5b50<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u98df\u54c1\u516c\u53f8\u53d1\u73b0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u51fa\u552e\u7684\u82b1\u751f\u9171\u53ef\u80fd\u53d7\u5230\u7ec6\u83cc\u6c61\u67d3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u907f\u514d\u6d88\u8d39\u8005\u98df\u7269\u4e2d\u6bd2\uff0c\u516c\u53f8\u51b3\u5b9a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53ec\u56de\u5168\u56fd\u6240\u6709\u4ea7\u54c1<\/li>\n\n\n\n<li>\u5728\u7535\u89c6\u4e0a\u53d1\u5e03\u516c\u544a<\/li>\n\n\n\n<li>\u90ae\u5bc4\u901a\u77e5<\/li>\n\n\n\n<li>\u56de\u6536\u4ea7\u54c1<\/li>\n\n\n\n<li>\u9500\u6bc1\u5e93\u5b58<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u82b1\u8d39\u5171\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$2,000,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; <strong>\u901a\u5e38\u4e0d\u8d54 Recall Costs\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u5982\u679c\u62c5\u5fc3\u8fd9\u79cd\u98ce\u9669\uff0c\u9700\u8981\u8d2d\u4e70\u4e13\u95e8\u7684 <strong>Product Recall Insurance\uff08\u4ea7\u54c1\u53ec\u56de\u4fdd\u9669\uff09<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f46\u662f\uff0c\u5982\u679c\u6709\u4eba\u53d7\u4f24\u5462\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d88\u8d39\u8005\u5403\u4e86\u53d7\u6c61\u67d3\u7684\u98df\u54c1\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f4f\u9662\u82b1\u4e86\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$30,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e76\u8d77\u8bc9\u5382\u5bb6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u65f6\u5019\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">CGL \u53ef\u80fd\u8d54\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Bodily Injury Liability\uff08\u4eba\u8eab\u4f24\u5bb3\u8d23\u4efb\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u533b\u7597\u8d39\u7528<\/li>\n\n\n\n<li>\u6cd5\u5f8b\u8fa9\u62a4\u8d39\u7528<\/li>\n\n\n\n<li>\u6cd5\u9662\u5224\u51b3\u6216\u548c\u89e3\u91d1\u989d\uff08\u5728\u4fdd\u5355\u8303\u56f4\u5185\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f46\u4e0d\u4f1a\u8d54\u53ec\u56de\u672c\u8eab\u7684\u8d39\u7528\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e00\u5f20\u8868\u8bb0\u4f4f<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u8d39\u7528<\/th><th>CGL \u901a\u5e38\u8d54\u5417\uff1f<\/th><\/tr><\/thead><tbody><tr><td>\u4ea7\u54c1\u53ec\u56de\u901a\u77e5<\/td><td>&#x274c; \u4e0d\u8d54<\/td><\/tr><tr><td>\u5e7f\u544a\u8d39\u7528<\/td><td>&#x274c; \u4e0d\u8d54<\/td><\/tr><tr><td>\u90ae\u5bc4\u8d39\u7528<\/td><td>&#x274c; \u4e0d\u8d54<\/td><\/tr><tr><td>\u56de\u6536\u8fd0\u8f93\u8d39\u7528<\/td><td>&#x274c; \u4e0d\u8d54<\/td><\/tr><tr><td>\u66f4\u6362\u4ea7\u54c1<\/td><td>&#x274c; \u4e0d\u8d54<\/td><\/tr><tr><td>\u9500\u6bc1\u4ea7\u54c1<\/td><td>&#x274c; \u4e0d\u8d54<\/td><\/tr><tr><td>\u7b2c\u4e09\u8005\u53d7\u4f24<\/td><td>&#x2705; \u53ef\u80fd\u8d54<\/td><\/tr><tr><td>\u7b2c\u4e09\u8005\u8d22\u4ea7\u635f\u574f<\/td><td>&#x2705; \u53ef\u80fd\u8d54<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u548c\u8bb0\u5fc6\u70b9\u5bf9\u6bd4<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Impaired Property<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u4e1c\u897f\u6ca1\u6709\u574f\uff0c\u53ea\u662f\u56e0\u4e3a\u4f60\u7684\u4ea7\u54c1\u6709\u95ee\u9898\u800c\u4e0d\u80fd\u4f7f\u7528\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u8111\u56e0\u4e3a\u4f60\u7684\u574f\u786c\u76d8\u4e0d\u80fd\u5f00\u673a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>CGL \u901a\u5e38\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Recall of Products<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u4ea7\u54c1\u53d1\u73b0\u6709\u7f3a\u9677\uff0c\u516c\u53f8\u4e3b\u52a8\u53ec\u56de\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u98df\u54c1\u5168\u90e8\u4e0b\u67b6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recall Costs \u901a\u5e38\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u8003\u6cd5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Which statement about product recall under a CGL policy is MOST accurate?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. CGL pays all product recall expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. CGL pays the advertising costs of recalling products.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Product recall expenses are generally excluded under a CGL policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. CGL automatically replaces all defective products.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">RIBO 30 \u79d2\u53e3\u8bc0<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Recall = \u81ea\u5df1\u82b1\u94b1\u628a\u4ea7\u54c1\u6536\u56de\u6765 \u2192 \u5c5e\u4e8e Business Risk \u2192 CGL \u901a\u5e38\u4e0d\u8d54\uff1b\u4f46\u5982\u679c\u7f3a\u9677\u4ea7\u54c1\u9020\u6210\u7b2c\u4e09\u8005\u4eba\u8eab\u4f24\u5bb3\u6216\u8d22\u4ea7\u635f\u5931\uff0c\u76f8\u5173\u6cd5\u5f8b\u8d23\u4efb\u5219\u53ef\u80fd\u7531 CGL \u627f\u4fdd\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Impaired  Property<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Impaired Property\uff08\u53d7\u635f\u8d22\u4ea7\uff09<\/strong> \u662f <strong>Commercial General Liability (CGL)<\/strong> \u4fdd\u9669\u4e2d\u7684\u4e00\u4e2a\u9ad8\u9891\u8003\u70b9\uff0c\u4e5f\u662f <strong>&#8220;Damage to Impaired Property or Property Not Physically Injured Exclusion&#8221;<\/strong>\uff08\u53d7\u635f\u8d22\u4ea7\u9664\u5916\u8d23\u4efb\uff09\u91cc\u9762\u7684\u6838\u5fc3\u6982\u5ff5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO \u5b9a\u4e49<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Impaired Property<\/strong> \u6307\u7684\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4ed6\u4eba\u7684\u6709\u5f62\u8d22\u4ea7\uff08Tangible Property\uff09\uff0c\u672c\u8eab\u6ca1\u6709\u53d7\u5230\u7269\u7406\u635f\u574f\uff08No Physical Injury\uff09\uff0c\u4f46\u56e0\u4e3a\u5305\u542b\u4e86\u4f60\u7684\u4ea7\u54c1\u3001\u4f60\u7684\u5de5\u4f5c\uff0c\u6216\u8005\u4f60\u6ca1\u6709\u5c65\u884c\u5408\u540c\uff0c\u5bfc\u81f4\u5b83\u4e0d\u80fd\u6b63\u5e38\u4f7f\u7528\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u6765\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4e1c\u897f\u6ca1\u574f\uff0c\u4f46\u662f\u56e0\u4e3a\u4f60\u7684\u4ea7\u54c1\u6216\u5de5\u4f5c\u6709\u95ee\u9898\uff0c\u6240\u4ee5\u4e0d\u80fd\u7528\u4e86\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u6ee1\u8db3 4 \u4e2a\u6761\u4ef6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u4e1c\u897f\u8981\u7b97 <strong>Impaired Property<\/strong>\uff0c\u901a\u5e38\u8981\u7b26\u5408\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u662f\u522b\u4eba\u7684\u8d22\u4ea7<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u672c\u8eab\u6ca1\u6709 Physical Damage<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u56e0\u4e3a\u4f60\u7684\u4ea7\u54c1\u6216\u5de5\u4f5c\u6709\u95ee\u9898<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u4fee\u597d\u4f60\u7684\u4ea7\u54c1\u3001\u6362\u6389\u4f60\u7684\u4ea7\u54c1\u6216\u5b8c\u6210\u5408\u540c\u540e\uff0c\u5b83\u8fd8\u80fd\u6062\u590d\u6b63\u5e38\u4f7f\u7528<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4f8b\u5b501\uff08\u6700\u7ecf\u5178\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u7535\u8111\u516c\u53f8\u5356\u4e86\u4e00\u5757\u6709\u7f3a\u9677\u7684\u786c\u76d8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u628a\u786c\u76d8\u5b89\u88c5\u5230\u670d\u52a1\u5668\u91cc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u670d\u52a1\u5668\u65e0\u6cd5\u8fd0\u884c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u95ee\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u670d\u52a1\u5668\u6709\u6ca1\u6709\u70e7\u6389\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6ca1\u6709\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u662f\u56e0\u4e3a\u786c\u76d8\u574f\uff0c\u6240\u4ee5\u670d\u52a1\u5668\u4e0d\u80fd\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u670d\u52a1\u5668\u5c31\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Impaired Property<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u670d\u52a1\u5668\u6ca1\u574f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u662f\u91cc\u9762\u4f60\u7684\u4ea7\u54c1\u6709\u95ee\u9898<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6362\u4e2a\u786c\u76d8\u5c31\u6062\u590d\u6b63\u5e38<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">CGL\u8d54\u5417\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u901a\u5e38\u4e0d\u8d54\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u8fd9\u662f\u5546\u4e1a\u98ce\u9669\uff08Business Risk\uff09\uff0c\u4e0d\u662f\u610f\u5916\u9020\u6210\u7684\u8d22\u4ea7\u635f\u5931\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4f8b\u5b502<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u5de5\u5382\u751f\u4ea7\u4e86\u6709\u95ee\u9898\u7684\u53d1\u52a8\u673a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u516c\u53f8\u628a\u53d1\u52a8\u673a\u88c5\u8fdb\u6c7d\u8f66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u65e0\u6cd5\u51fa\u552e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u6709\u6ca1\u6709\u649e\u574f\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u662f\u53d1\u52a8\u673a\u6709\u95ee\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Impaired Property<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6362\u53d1\u52a8\u673a\u4ee5\u540e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6c7d\u8f66\u6062\u590d\u6b63\u5e38\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u901a\u5e38\u4e0d\u8d54\u6c7d\u8f66\u672c\u8eab\u4ef7\u503c\u635f\u5931\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4f8b\u5b503<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u662f\u4e00\u5bb6\u6cb9\u6f06\u516c\u53f8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7528\u4e86\u9519\u8bef\u7684\u6cb9\u6f06\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u623f\u5b50\u989c\u8272\u5b8c\u5168\u4e0d\u5bf9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\u623f\u5b50\u6ca1\u6709\u635f\u574f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u65b0\u5237\u6f06\u5373\u53ef\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u623f\u5b50\u5c31\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Impaired Property\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u518d\u770b\u4e00\u4e2a\u5bf9\u6bd4<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u60c5\u51b5A\uff08Impaired Property\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u8111<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u88c5\u4e86\u574fCPU<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u5f00\u673a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6362CPU\u6062\u590d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Impaired Property<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u60c5\u51b5B\uff08\u4e0d\u662fImpaired Property\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u8111<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u574fCPU\u8d77\u706b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3b\u677f\u70e7\u6bc1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u8111\u771f\u7684\u70e7\u574f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d1\u751f\u4e86<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Physical Injury<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5df2\u7ecf\u4e0d\u662f\u5355\u7eaf\u7684 Impaired Property\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u7b26\u5408\u4fdd\u9669\u6761\u4ef6\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\u5c31\u6709\u8d54\u507f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48CGL\u4e0d\u8d54\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a CGL \u7684\u539f\u5219\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u8d54\u7684\u662f\u610f\u5916\u9020\u6210\u522b\u4eba\u8d22\u4ea7\u635f\u574f\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4ea7\u54c1\u8d28\u91cf\u4e0d\u597d<\/li>\n\n\n\n<li>\u505a\u5de5\u4e0d\u597d<\/li>\n\n\n\n<li>\u5408\u540c\u6ca1\u505a\u597d<\/li>\n\n\n\n<li>\u81ea\u5df1\u4ea7\u54c1\u9700\u8981\u91cd\u505a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Business Risk<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e94\u8be5\u7531\u4f01\u4e1a\u81ea\u5df1\u627f\u62c5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u8003\u70b9<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u6700\u559c\u6b22\u8003\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Which property is considered impaired property?<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\u901a\u5e38\u90fd\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Property that cannot be used because it contains the insured&#8217;s defective product, but has not suffered physical damage.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u952e\u8bcd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No physical injury<\/li>\n\n\n\n<li>Loss of use<\/li>\n\n\n\n<li>Defective product\/work<\/li>\n\n\n\n<li>Can be restored by repair or replacement<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO 30 \u79d2\u8bb0\u5fc6\u53e3\u8bc0<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u6ca1\u574f\uff08No physical damage\uff09 \u2192 \u56e0\u4f60\u4ea7\u54c1\u4e0d\u80fd\u7528\uff08Defective product\/work\uff09 \u2192 \u6362\u6389\u5c31\u6062\u590d\uff08Repair\/Replace\uff09 \u2192 CGL\u901a\u5e38\u4e0d\u8d54\uff08Business Risk\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e00\u9053 RIBO \u771f\u9898\u98ce\u683c\u7ec3\u4e60<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6 HVAC \u627f\u5305\u5546\u5b89\u88c5\u4e86\u6709\u7f3a\u9677\u7684\u6052\u6e29\u5668\uff0c\u5bfc\u81f4\u529e\u516c\u697c\u7684\u7a7a\u8c03\u7cfb\u7edf\u65e0\u6cd5\u6b63\u5e38\u8fd0\u884c\u3002\u7a7a\u8c03\u8bbe\u5907\u672c\u8eab\u6ca1\u6709\u4efb\u4f55\u7269\u7406\u635f\u574f\uff0c\u66f4\u6362\u6052\u6e29\u5668\u540e\u7cfb\u7edf\u6062\u590d\u6b63\u5e38\u3002\u6839\u636e CGL\uff0c\u529e\u516c\u697c\u7a7a\u8c03\u7cfb\u7edf\u6700\u53ef\u80fd\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Property Damage<br>B. Impaired Property<br>C. Products-Completed Operations Hazard<br>D. Personal Injury<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6b63\u786e\u7b54\u6848\uff1aB. Impaired Property<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u7a7a\u8c03\u7cfb\u7edf<strong>\u6ca1\u6709\u53d1\u751f\u7269\u7406\u635f\u574f<\/strong>\uff0c\u53ea\u662f\u7531\u4e8e\u5b89\u88c5\u4e86\u6709\u7f3a\u9677\u7684\u4ea7\u54c1\u800c\u6682\u65f6\u65e0\u6cd5\u4f7f\u7528\uff0c\u66f4\u6362\u540e\u5373\u53ef\u6062\u590d\uff0c\u56e0\u6b64\u5c5e\u4e8e <strong>Impaired Property<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cyber Liability\uff08\u7f51\u7edc\u8d23\u4efb\u4fdd\u9669\uff09<\/strong> \u662f\u8fd1\u5e74\u6765 RIBO \u8d8a\u6765\u8d8a\u5e38\u8003\u7684\u5546\u4e1a\u4fdd\u9669\u5185\u5bb9\u3002\u867d\u7136\u4f20\u7edf <strong>Commercial General Liability (CGL)<\/strong> \u4e3b\u8981\u627f\u4fdd<strong>\u4eba\u8eab\u4f24\u5bb3\uff08Bodily Injury\uff09\u548c\u6709\u5f62\u8d22\u4ea7\u635f\u5931\uff08Property Damage\uff09<\/strong>\uff0c\u4f46\u5bf9\u4e8e\u7f51\u7edc\u653b\u51fb\u3001\u6570\u636e\u6cc4\u9732\u7b49\u98ce\u9669\uff0c\u901a\u5e38\u9700\u8981 <strong>Cyber Liability Insurance<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4ec0\u4e48\u662f Cyber Liability\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cyber Liability Insurance<\/strong> \u662f\u4e00\u79cd\u4e13\u95e8\u4fdd\u969c\u4f01\u4e1a\u56e0\u7f51\u7edc\u5b89\u5168\u4e8b\u4ef6\uff08Cyber Incidents\uff09\u800c\u906d\u53d7\u635f\u5931\u6216\u627f\u62c5\u6cd5\u5f8b\u8d23\u4efb\u7684\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u6765\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u62a4\u4f01\u4e1a\u56e0\u9ed1\u5ba2\u653b\u51fb\u3001\u6570\u636e\u6cc4\u9732\u3001\u75c5\u6bd2\u3001\u52d2\u7d22\u8f6f\u4ef6\u7b49\u9020\u6210\u7684\u635f\u5931\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u9700\u8981\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u8bca\u6240\u4fdd\u5b58\u4e86 20,000 \u540d\u75c5\u4eba\u7684\u8d44\u6599\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9ed1\u5ba2\u5165\u4fb5\u7cfb\u7edf\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5077\u8d70\u59d3\u540d<\/li>\n\n\n\n<li>\u4fe1\u7528\u5361\u53f7\u7801<\/li>\n\n\n\n<li>\u533b\u7597\u8bb0\u5f55<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u75c5\u4eba\u96c6\u4f53\u8d77\u8bc9\u8bca\u6240\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bca\u6240\u8fd8\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u77e5\u6240\u6709\u5ba2\u6237<\/li>\n\n\n\n<li>\u8058\u8bf7 IT \u4e13\u5bb6\u8c03\u67e5<\/li>\n\n\n\n<li>\u4fee\u590d\u7cfb\u7edf<\/li>\n\n\n\n<li>\u6062\u590d\u6570\u636e<\/li>\n\n\n\n<li>\u5e94\u4ed8\u76d1\u7ba1\u8c03\u67e5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u9ad8\u8fbe\u6570\u767e\u4e07\u52a0\u5143\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Cyber Liability \u901a\u5e38\u4fdd\u969c\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u5206\u4e3a\u4e24\u5927\u7c7b\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2460 First-Party Coverage\uff08\u7b2c\u4e00\u65b9\u635f\u5931\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u4f01\u4e1a\u81ea\u5df1\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u6570\u636e\u6062\u590d\u8d39\u7528<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u7cfb\u7edf\u4fee\u590d\u8d39\u7528<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u52d2\u7d22\u8f6f\u4ef6\uff08Ransomware\uff09\u5e94\u6025\u8d39\u7528\uff08\u89c6\u4fdd\u5355\u6761\u6b3e\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Business Interruption\uff08\u56e0\u7f51\u7edc\u4e8b\u4ef6\u5bfc\u81f4\u7684\u8425\u4e1a\u4e2d\u65ad\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u7f51\u7edc\u53d6\u8bc1\uff08Forensic Investigation\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5371\u673a\u516c\u5173\uff08Public Relations\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2461 Third-Party Liability\uff08\u7b2c\u4e09\u65b9\u8d23\u4efb\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u4f01\u4e1a\u56e0\u7f51\u7edc\u4e8b\u4ef6\u88ab\u522b\u4eba\u7d22\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d44\u6599\u6cc4\u9732\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d77\u8bc9\u4f01\u4e1a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u53ef\u80fd\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Legal Defence\uff08\u5f8b\u5e08\u8d39\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Court Awards\uff08\u6cd5\u9662\u5224\u51b3\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Settlements\uff08\u548c\u89e3\u91d1\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e3e\u4e2a\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u7f51\u5e97\u906d\u5230\u9ed1\u5ba2\u653b\u51fb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">10 \u4e07\u540d\u5ba2\u6237\u8d44\u6599\u6cc4\u9732\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u77e5\u5ba2\u6237\uff1a$50,000<\/li>\n\n\n\n<li>IT \u8c03\u67e5\uff1a$80,000<\/li>\n\n\n\n<li>\u6570\u636e\u6062\u590d\uff1a$100,000<\/li>\n\n\n\n<li>\u5f8b\u5e08\uff1a$200,000<\/li>\n\n\n\n<li>\u5ba2\u6237\u7d22\u8d54\uff1a$600,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u8d2d\u4e70\u4e86 Cyber Liability\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4e0a\u8ff0\u8d39\u7528\u90fd\u53ef\u80fd\u83b7\u5f97\u8d54\u507f\uff08\u4ee5\u4fdd\u5355\u6761\u6b3e\u548c\u9650\u989d\u4e3a\u51c6\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">CGL \u4f1a\u8d54\u5417\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u8003\u8bd5\u6700\u559c\u6b22\u95ee\u7684\u95ee\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u901a\u5e38\u4e0d\u4f1a\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf CGL \u4e3b\u8981\u4fdd\u969c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bodily Injury<\/li>\n\n\n\n<li>Property Damage\uff08\u6709\u5f62\u8d22\u4ea7\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data\uff08\u6570\u636e\uff09<\/li>\n\n\n\n<li>Privacy\uff08\u9690\u79c1\uff09<\/li>\n\n\n\n<li>Hacking\uff08\u9ed1\u5ba2\uff09<\/li>\n\n\n\n<li>Virus\uff08\u75c5\u6bd2\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38<strong>\u4e0d\u662f CGL \u7684\u4fdd\u969c\u91cd\u70b9<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u9700\u8981\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Cyber Liability Insurance<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5e38\u89c1\u627f\u4fdd\u98ce\u9669<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data Breach\uff08\u6570\u636e\u6cc4\u9732\uff09<\/li>\n\n\n\n<li>Hacking\uff08\u9ed1\u5ba2\u653b\u51fb\uff09<\/li>\n\n\n\n<li>Malware\uff08\u6076\u610f\u8f6f\u4ef6\uff09<\/li>\n\n\n\n<li>Ransomware\uff08\u52d2\u7d22\u8f6f\u4ef6\uff09<\/li>\n\n\n\n<li>Identity Theft\uff08\u8eab\u4efd\u76d7\u7528\uff09<\/li>\n\n\n\n<li>Privacy Liability\uff08\u9690\u79c1\u8d23\u4efb\uff09<\/li>\n\n\n\n<li>Network Security Liability\uff08\u7f51\u7edc\u5b89\u5168\u8d23\u4efb\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u8003\u70b9<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u96f6\u552e\u5546\u906d\u9047\u9ed1\u5ba2\u653b\u51fb\uff0c\u5bfc\u81f4\u5ba2\u6237\u4fe1\u7528\u5361\u4fe1\u606f\u88ab\u76d7\uff0c\u5ba2\u6237\u8d77\u8bc9\u96f6\u552e\u5546\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u79cd\u4fdd\u9669\u6700\u53ef\u80fd\u63d0\u4f9b\u4fdd\u969c\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Commercial Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Commercial General Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Cyber Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Equipment Breakdown<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u548c\u8bb0\u5fc6\u5bb9\u6613\u6df7\u6dc6\u7684\u4fdd\u9669\u6bd4\u8f83<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u98ce\u9669<\/th><th>\u5bf9\u5e94\u4fdd\u9669<\/th><\/tr><\/thead><tbody><tr><td>\u706b\u707e\u70e7\u6bc1\u529e\u516c\u5ba4<\/td><td>Commercial Property<\/td><\/tr><tr><td>\u987e\u5ba2\u6ed1\u5012\u53d7\u4f24<\/td><td>CGL<\/td><\/tr><tr><td>\u4ea7\u54c1\u9020\u6210\u4f24\u5bb3<\/td><td>Products Liability\uff08CGL \u7684\u4e00\u90e8\u5206\uff09<\/td><\/tr><tr><td>\u6570\u636e\u6cc4\u9732<\/td><td><strong>Cyber Liability<\/strong><\/td><\/tr><tr><td>\u9ed1\u5ba2\u653b\u51fb<\/td><td><strong>Cyber Liability<\/strong><\/td><\/tr><tr><td>\u52d2\u7d22\u8f6f\u4ef6<\/td><td><strong>Cyber Liability<\/strong><\/td><\/tr><tr><td>\u673a\u5668\u9505\u7089\u7206\u70b8<\/td><td>Equipment Breakdown<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO \u4e00\u53e5\u8bdd\u53e3\u8bc0<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Fire \u2192 Property\uff1bSlip &amp; Fall \u2192 CGL\uff1bEquipment Failure \u2192 Equipment Breakdown\uff1bHack &amp; Data Breach \u2192 Cyber Liability\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">RIBO \u771f\u9898\u98ce\u683c\u7ec3\u4e60<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u4f1a\u8ba1\u4e8b\u52a1\u6240\u906d\u9047\u52d2\u7d22\u8f6f\u4ef6\u653b\u51fb\uff0c\u6240\u6709\u5ba2\u6237\u8d22\u52a1\u6587\u4ef6\u88ab\u52a0\u5bc6\uff0c\u7cfb\u7edf\u505c\u6446\u4e09\u5929\uff0c\u540c\u65f6\u90e8\u5206\u5ba2\u6237\u8d44\u6599\u88ab\u6cc4\u9732\u5e76\u5bfc\u81f4\u5ba2\u6237\u63d0\u8d77\u8bc9\u8bbc\u3002\u6700\u9002\u5408\u5e94\u5bf9\u6b64\u7c7b\u98ce\u9669\u7684\u4fdd\u9669\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Commercial Property Insurance<br>B. Commercial General Liability Insurance<br>C. Cyber Liability Insurance<br>D. Boiler and Machinery Insurance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aC. Cyber Liability Insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u8be5\u4e8b\u4ef6\u6d89\u53ca<strong>\u7f51\u7edc\u653b\u51fb\u3001\u6570\u636e\u6cc4\u9732\u3001\u7cfb\u7edf\u6062\u590d\u3001\u8425\u4e1a\u4e2d\u65ad\u53ca\u7b2c\u4e09\u65b9\u9690\u79c1\u8d23\u4efb<\/strong>\uff0c\u8fd9\u4e9b\u90fd\u662f Cyber Liability \u7684\u6838\u5fc3\u4fdd\u969c\u8303\u56f4\u3002<strong>Cyber Liability\uff08\u7f51\u7edc\u8d23\u4efb\u4fdd\u9669\uff09<\/strong> \u662f\u8fd1\u5e74\u6765 RIBO \u8d8a\u6765\u8d8a\u5e38\u8003\u7684\u5546\u4e1a\u4fdd\u9669\u5185\u5bb9\u3002\u867d\u7136\u4f20\u7edf <strong>Commercial General Liability (CGL)<\/strong> \u4e3b\u8981\u627f\u4fdd<strong>\u4eba\u8eab\u4f24\u5bb3\uff08Bodily Injury\uff09\u548c\u6709\u5f62\u8d22\u4ea7\u635f\u5931\uff08Property Damage\uff09<\/strong>\uff0c\u4f46\u5bf9\u4e8e\u7f51\u7edc\u653b\u51fb\u3001\u6570\u636e\u6cc4\u9732\u7b49\u98ce\u9669\uff0c\u901a\u5e38\u9700\u8981 <strong>Cyber Liability Insurance<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4ec0\u4e48\u662f Cyber Liability\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cyber Liability Insurance<\/strong> \u662f\u4e00\u79cd\u4e13\u95e8\u4fdd\u969c\u4f01\u4e1a\u56e0\u7f51\u7edc\u5b89\u5168\u4e8b\u4ef6\uff08Cyber Incidents\uff09\u800c\u906d\u53d7\u635f\u5931\u6216\u627f\u62c5\u6cd5\u5f8b\u8d23\u4efb\u7684\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u6765\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u62a4\u4f01\u4e1a\u56e0\u9ed1\u5ba2\u653b\u51fb\u3001\u6570\u636e\u6cc4\u9732\u3001\u75c5\u6bd2\u3001\u52d2\u7d22\u8f6f\u4ef6\u7b49\u9020\u6210\u7684\u635f\u5931\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u9700\u8981\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u8bca\u6240\u4fdd\u5b58\u4e86 20,000 \u540d\u75c5\u4eba\u7684\u8d44\u6599\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9ed1\u5ba2\u5165\u4fb5\u7cfb\u7edf\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5077\u8d70\u59d3\u540d<\/li>\n\n\n\n<li>\u4fe1\u7528\u5361\u53f7\u7801<\/li>\n\n\n\n<li>\u533b\u7597\u8bb0\u5f55<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u75c5\u4eba\u96c6\u4f53\u8d77\u8bc9\u8bca\u6240\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bca\u6240\u8fd8\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u77e5\u6240\u6709\u5ba2\u6237<\/li>\n\n\n\n<li>\u8058\u8bf7 IT \u4e13\u5bb6\u8c03\u67e5<\/li>\n\n\n\n<li>\u4fee\u590d\u7cfb\u7edf<\/li>\n\n\n\n<li>\u6062\u590d\u6570\u636e<\/li>\n\n\n\n<li>\u5e94\u4ed8\u76d1\u7ba1\u8c03\u67e5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u9ad8\u8fbe\u6570\u767e\u4e07\u52a0\u5143\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Cyber Liability \u901a\u5e38\u4fdd\u969c\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u5206\u4e3a\u4e24\u5927\u7c7b\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2460 First-Party Coverage\uff08\u7b2c\u4e00\u65b9\u635f\u5931\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u4f01\u4e1a\u81ea\u5df1\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u6570\u636e\u6062\u590d\u8d39\u7528<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u7cfb\u7edf\u4fee\u590d\u8d39\u7528<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u52d2\u7d22\u8f6f\u4ef6\uff08Ransomware\uff09\u5e94\u6025\u8d39\u7528\uff08\u89c6\u4fdd\u5355\u6761\u6b3e\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Business Interruption\uff08\u56e0\u7f51\u7edc\u4e8b\u4ef6\u5bfc\u81f4\u7684\u8425\u4e1a\u4e2d\u65ad\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u7f51\u7edc\u53d6\u8bc1\uff08Forensic Investigation\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u5371\u673a\u516c\u5173\uff08Public Relations\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2461 Third-Party Liability\uff08\u7b2c\u4e09\u65b9\u8d23\u4efb\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u4f01\u4e1a\u56e0\u7f51\u7edc\u4e8b\u4ef6\u88ab\u522b\u4eba\u7d22\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d44\u6599\u6cc4\u9732\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d77\u8bc9\u4f01\u4e1a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u53ef\u80fd\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Legal Defence\uff08\u5f8b\u5e08\u8d39\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Court Awards\uff08\u6cd5\u9662\u5224\u51b3\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Settlements\uff08\u548c\u89e3\u91d1\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e3e\u4e2a\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u7f51\u5e97\u906d\u5230\u9ed1\u5ba2\u653b\u51fb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">10 \u4e07\u540d\u5ba2\u6237\u8d44\u6599\u6cc4\u9732\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u77e5\u5ba2\u6237\uff1a$50,000<\/li>\n\n\n\n<li>IT \u8c03\u67e5\uff1a$80,000<\/li>\n\n\n\n<li>\u6570\u636e\u6062\u590d\uff1a$100,000<\/li>\n\n\n\n<li>\u5f8b\u5e08\uff1a$200,000<\/li>\n\n\n\n<li>\u5ba2\u6237\u7d22\u8d54\uff1a$600,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u8d2d\u4e70\u4e86 Cyber Liability\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4e0a\u8ff0\u8d39\u7528\u90fd\u53ef\u80fd\u83b7\u5f97\u8d54\u507f\uff08\u4ee5\u4fdd\u5355\u6761\u6b3e\u548c\u9650\u989d\u4e3a\u51c6\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">CGL \u4f1a\u8d54\u5417\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u8003\u8bd5\u6700\u559c\u6b22\u95ee\u7684\u95ee\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u901a\u5e38\u4e0d\u4f1a\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf CGL \u4e3b\u8981\u4fdd\u969c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bodily Injury<\/li>\n\n\n\n<li>Property Damage\uff08\u6709\u5f62\u8d22\u4ea7\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data\uff08\u6570\u636e\uff09<\/li>\n\n\n\n<li>Privacy\uff08\u9690\u79c1\uff09<\/li>\n\n\n\n<li>Hacking\uff08\u9ed1\u5ba2\uff09<\/li>\n\n\n\n<li>Virus\uff08\u75c5\u6bd2\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38<strong>\u4e0d\u662f CGL \u7684\u4fdd\u969c\u91cd\u70b9<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u9700\u8981\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Cyber Liability Insurance<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5e38\u89c1\u627f\u4fdd\u98ce\u9669<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data Breach\uff08\u6570\u636e\u6cc4\u9732\uff09<\/li>\n\n\n\n<li>Hacking\uff08\u9ed1\u5ba2\u653b\u51fb\uff09<\/li>\n\n\n\n<li>Malware\uff08\u6076\u610f\u8f6f\u4ef6\uff09<\/li>\n\n\n\n<li>Ransomware\uff08\u52d2\u7d22\u8f6f\u4ef6\uff09<\/li>\n\n\n\n<li>Identity Theft\uff08\u8eab\u4efd\u76d7\u7528\uff09<\/li>\n\n\n\n<li>Privacy Liability\uff08\u9690\u79c1\u8d23\u4efb\uff09<\/li>\n\n\n\n<li>Network Security Liability\uff08\u7f51\u7edc\u5b89\u5168\u8d23\u4efb\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u8003\u70b9<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u96f6\u552e\u5546\u906d\u9047\u9ed1\u5ba2\u653b\u51fb\uff0c\u5bfc\u81f4\u5ba2\u6237\u4fe1\u7528\u5361\u4fe1\u606f\u88ab\u76d7\uff0c\u5ba2\u6237\u8d77\u8bc9\u96f6\u552e\u5546\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u79cd\u4fdd\u9669\u6700\u53ef\u80fd\u63d0\u4f9b\u4fdd\u969c\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Commercial Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Commercial General Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Cyber Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Equipment Breakdown<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u548c\u8bb0\u5fc6\u5bb9\u6613\u6df7\u6dc6\u7684\u4fdd\u9669\u6bd4\u8f83<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u98ce\u9669<\/th><th>\u5bf9\u5e94\u4fdd\u9669<\/th><\/tr><\/thead><tbody><tr><td>\u706b\u707e\u70e7\u6bc1\u529e\u516c\u5ba4<\/td><td>Commercial Property<\/td><\/tr><tr><td>\u987e\u5ba2\u6ed1\u5012\u53d7\u4f24<\/td><td>CGL<\/td><\/tr><tr><td>\u4ea7\u54c1\u9020\u6210\u4f24\u5bb3<\/td><td>Products Liability\uff08CGL \u7684\u4e00\u90e8\u5206\uff09<\/td><\/tr><tr><td>\u6570\u636e\u6cc4\u9732<\/td><td><strong>Cyber Liability<\/strong><\/td><\/tr><tr><td>\u9ed1\u5ba2\u653b\u51fb<\/td><td><strong>Cyber Liability<\/strong><\/td><\/tr><tr><td>\u52d2\u7d22\u8f6f\u4ef6<\/td><td><strong>Cyber Liability<\/strong><\/td><\/tr><tr><td>\u673a\u5668\u9505\u7089\u7206\u70b8<\/td><td>Equipment Breakdown<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO \u4e00\u53e5\u8bdd\u53e3\u8bc0<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Fire \u2192 Property\uff1bSlip &amp; Fall \u2192 CGL\uff1bEquipment Failure \u2192 Equipment Breakdown\uff1bHack &amp; Data Breach \u2192 Cyber Liability\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">RIBO \u771f\u9898\u98ce\u683c\u7ec3\u4e60<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u4f1a\u8ba1\u4e8b\u52a1\u6240\u906d\u9047\u52d2\u7d22\u8f6f\u4ef6\u653b\u51fb\uff0c\u6240\u6709\u5ba2\u6237\u8d22\u52a1\u6587\u4ef6\u88ab\u52a0\u5bc6\uff0c\u7cfb\u7edf\u505c\u6446\u4e09\u5929\uff0c\u540c\u65f6\u90e8\u5206\u5ba2\u6237\u8d44\u6599\u88ab\u6cc4\u9732\u5e76\u5bfc\u81f4\u5ba2\u6237\u63d0\u8d77\u8bc9\u8bbc\u3002\u6700\u9002\u5408\u5e94\u5bf9\u6b64\u7c7b\u98ce\u9669\u7684\u4fdd\u9669\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Commercial Property Insurance<br>B. Commercial General Liability Insurance<br>C. Cyber Liability Insurance<br>D. Boiler and Machinery Insurance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u6b63\u786e\u7b54\u6848\uff1aC. Cyber Liability Insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u8be5\u4e8b\u4ef6\u6d89\u53ca<strong>\u7f51\u7edc\u653b\u51fb\u3001\u6570\u636e\u6cc4\u9732\u3001\u7cfb\u7edf\u6062\u590d\u3001\u8425\u4e1a\u4e2d\u65ad\u53ca\u7b2c\u4e09\u65b9\u9690\u79c1\u8d23\u4efb<\/strong>\uff0c\u8fd9\u4e9b\u90fd\u662f Cyber Liability \u7684\u6838\u5fc3\u4fdd\u969c\u8303\u56f4\u3002<audio autoplay=\"\"><\/audio><audio autoplay=\"\"><\/audio><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u662f <strong>CGL\uff08Commercial General Liability\uff09\u8003\u8bd5\u91cc\u975e\u5e38\u5bb9\u6613\u6df7\u6dc6\u7684\u4e09\u5927 Exclusions<\/strong>\u3002\u4f60\u53ef\u4ee5\u628a\u5b83\u4eec\u8bb0\u6210\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Your Work = \u4f60\u5e72\u7684\u6d3b<\/strong><br><strong>Your Product = \u4f60\u5356\/\u63d0\u4f9b\u51fa\u53bb\u7684\u4e1c\u897f<\/strong><br><strong>Impaired Property = \u522b\u4eba\u7684\u4e1c\u897f\u6ca1\u574f\uff0c\u4f46\u56e0\u4e3a\u4f60\u7684\u4e1c\u897f\u6709\u95ee\u9898\u800c\u4e0d\u80fd\u6b63\u5e38\u4f7f\u7528<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">1. Your Work exclusion<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6838\u5fc3\uff1a\u4f60\u81ea\u5df1\u505a\u7684\u5de5\u7a0b\/\u5de5\u4f5c\u51fa\u4e86\u95ee\u9898\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC Renovation \u7ed9\u5ba2\u6237\u88c5\u4fee\u623f\u5b50\u3002<br>\u88c5\u4fee\u516c\u53f8\u628a\u5c4b\u9876\u5b89\u88c5\u9519\u4e86\uff0c\u5bfc\u81f4\u5c4b\u9876\u6f0f\u6c34\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\u7684\u95ee\u9898\u662f <strong>ABC \u81ea\u5df1\u7684 work \u6709\u7f3a\u9677<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38 CGL <strong>\u4e0d\u8d1f\u8d23\u628a\u201c\u6709\u7f3a\u9677\u7684 work \u672c\u8eab\u201d\u91cd\u65b0\u505a\u597d<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u8981\u7279\u522b\u6ce8\u610f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u5982\u679c\u9519\u8bef\u7684 work \u53c8\u9020\u6210\u4e86\u5176\u4ed6 property damage\uff0c\u60c5\u51b5\u53ef\u80fd\u4e0d\u540c\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ABC \u88c5\u9519\u5c4b\u9876 \u2192 \u5c4b\u9876\u672c\u8eab\u6709\u95ee\u9898 &#x274c;<\/li>\n\n\n\n<li>\u56e0\u4e3a\u6f0f\u6c34 \u2192 \u5ba2\u6237\u7684\u5bb6\u5177\u3001\u5730\u677f\u88ab\u6c34\u635f\u574f &#x2705; \u53ef\u80fd\u6d89\u53ca CGL<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u8003\u8bd5\u770b\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201ccost to repair defective work\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u9996\u5148\u60f3\u5230\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#x1f6ab; <strong>Your Work Exclusion<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. Your Product exclusion<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6838\u5fc3\uff1a\u4f60\u5236\u9020\u3001\u9500\u552e\u3001\u5206\u9500\u3001\u63d0\u4f9b\u51fa\u53bb\u7684\u4ea7\u54c1\u672c\u8eab\u51fa\u4e86\u95ee\u9898\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u4e00\u5bb6\u516c\u53f8\u751f\u4ea7\u51b0\u7bb1\u3002<br>\u51b0\u7bb1\u672c\u8eab\u6709\u5236\u9020\u7f3a\u9677\uff0c\u5ba2\u6237\u8981\u6c42\u5382\u5bb6\u66f4\u6362\u51b0\u7bb1\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u51b0\u7bb1\u672c\u8eab\u7684\u95ee\u9898\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#x1f6ab; <strong>Your Product exclusion<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\u901a\u5e38\u4e0d\u662f\u4ea7\u54c1\u8d28\u91cf\u4fdd\u8bc1\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u662f\u5982\u679c\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u51b0\u7bb1\u53d1\u751f\u6545\u969c \u2192 \u5f15\u8d77\u706b\u707e \u2192 \u628a\u5ba2\u6237\u53a8\u623f\u70e7\u574f<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u51b0\u7bb1\u672c\u8eab\u635f\u574f \u2192 &#x1f6ab; Your Product<\/li>\n\n\n\n<li>\u53a8\u623f\u3001\u6a71\u67dc\u7b49\u5176\u4ed6 property damage \u2192 <strong>\u53ef\u80fd\u5c5e\u4e8e CGL coverage<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u8003\u8bd5\u53ef\u4ee5\u8fd9\u6837\u8bb0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Product itself = \u4e0d\u4fdd<\/strong><br><strong>Product damages something else = \u53ef\u80fd\u4fdd<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Impaired Property exclusion<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u662f\u6700\u5bb9\u6613\u548c\u524d\u4e24\u4e2a\u6df7\u6dc6\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Impaired Property = \u8d22\u4ea7\u672c\u8eab\u6ca1\u6709\u53d1\u751f physical damage\uff0c\u4f46\u662f\u56e0\u4e3a\u4f60\u7684\u4ea7\u54c1\/\u5de5\u4f5c\u5b58\u5728 defect\uff0c\u5bfc\u81f4\u5b83\u4e0d\u80fd\u6b63\u5e38\u4f7f\u7528\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC \u516c\u53f8\u63d0\u4f9b\u4e00\u4e2a\u8f6f\u4ef6\u7cfb\u7edf\u3002<br>\u8f6f\u4ef6\u6709\u4e25\u91cd bug\uff0c\u5bfc\u81f4\u5ba2\u6237\u7684\u751f\u4ea7\u7cfb\u7edf\u65e0\u6cd5\u6b63\u5e38\u8fd0\u884c\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u7684\u751f\u4ea7\u8bbe\u5907\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6ca1\u6709\u88ab\u70e7\u6bc1<\/li>\n\n\n\n<li>\u6ca1\u6709\u7269\u7406\u635f\u574f<\/li>\n\n\n\n<li>\u53ea\u662f\u56e0\u4e3a\u4f60\u7684\u8f6f\u4ef6\u6709\u95ee\u9898\u800c\u65e0\u6cd5\u6b63\u5e38\u4f7f\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5c31\u662f\u5178\u578b\u7684\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Impaired Property<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f6ab; <strong>CGL \u4e0d\u8d1f\u8d23\u8fd9\u79cd\u7eaf\u7cb9\u7684\u4f7f\u7528\u529f\u80fd\u635f\u5931\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e09\u4e2a\u653e\u5728\u4e00\u8d77\u6bd4\u8f83<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Exclusion<\/th><th>\u6700\u7b80\u5355\u7406\u89e3<\/th><th>\u4f8b\u5b50<\/th><\/tr><\/thead><tbody><tr><td><strong>Your Work<\/strong><\/td><td>\u4f60\u505a\u7684\u6d3b\u6709\u95ee\u9898<\/td><td>\u88c5\u9519\u5c4b\u9876<\/td><\/tr><tr><td><strong>Your Product<\/strong><\/td><td>\u4f60\u5356\/\u5236\u9020\u7684\u4ea7\u54c1\u6709\u95ee\u9898<\/td><td>\u5356\u51fa\u53bb\u7684\u51b0\u7bb1\u574f\u4e86<\/td><\/tr><tr><td><strong>Impaired Property<\/strong><\/td><td>\u522b\u4eba\u7684\u4e1c\u897f\u6ca1\u574f\uff0c\u4f46\u56e0\u4e3a\u4f60\u7684\u4e1c\u897f\u6709\u95ee\u9898\u800c\u65e0\u6cd5\u4f7f\u7528<\/td><td>\u8f6f\u4ef6\u6709 bug\uff0c\u5bfc\u81f4\u751f\u4ea7\u7cfb\u7edf\u4e0d\u80fd\u8fd0\u884c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f525; RIBO\u8003\u8bd5\u6700\u91cd\u8981\u7684\u5224\u65ad\u65b9\u6cd5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u770b\u5230\u9898\u76ee\uff0c\u5148\u95ee\u81ea\u5df1\u4e09\u4e2a\u95ee\u9898\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2460 \u574f\u7684\u662f\u201c\u6211\u505a\u7684\u5de5\u4f5c\u201d\u5417\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 <strong>Your Work<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2461 \u574f\u7684\u662f\u201c\u6211\u63d0\u4f9b\/\u5356\u51fa\u53bb\u7684\u4ea7\u54c1\u201d\u5417\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 <strong>Your Product<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2462 \u4e1c\u897f\u5b9e\u9645\u4e0a\u6ca1 physical damage\uff0c\u53ea\u662f\u56e0\u4e3a\u6211\u7684\u4ea7\u54c1\/\u5de5\u4f5c\u6709\u95ee\u9898\u800c\u4e0d\u80fd\u4f7f\u7528\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 <strong>Impaired Property<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e00\u4e2a\u975e\u5e38\u597d\u7528\u7684\u8003\u8bd5\u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC Renovation \u5b89\u88c5\u4e86\u4e00\u6247\u95e8\u3002\u95e8\u5b89\u88c5\u9519\u8bef\uff0c\u5bfc\u81f4\u95e8\u65e0\u6cd5\u6b63\u5e38\u5173\u95ed\u3002\u5ba2\u6237\u8981\u6c42 ABC \u652f\u4ed8\u91cd\u65b0\u5b89\u88c5\u7684\u8d39\u7528\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\u503e\u5411\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Your Work exclusion<\/strong> &#x1f6ab;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u5982\u679c\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC \u5b89\u88c5\u9519\u8bef \u2192 \u95e8\u65e0\u6cd5\u6b63\u5e38\u5173\u95ed \u2192 \u5ba2\u6237\u4ed3\u5e93\u91cc\u7684\u8d27\u7269\u56e0\u4e3a\u95e8\u65e0\u6cd5\u5173\u95ed\u800c\u88ab\u96e8\u6c34\u635f\u574f\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u65f6\u5019\u8981\u533a\u5206\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u91cd\u65b0\u5b89\u88c5\u95e8\u7684\u8d39\u7528<\/strong> \u2192 Your Work exclusion &#x1f6ab;<br><strong>\u88ab\u96e8\u6c34\u635f\u574f\u7684\u8d27\u7269<\/strong> \u2192 \u53ef\u80fd\u5c5e\u4e8e <strong>property damage<\/strong>\uff0cCGL\u53ef\u80fd\u54cd\u5e94\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f9e0; \u7ec8\u6781\u53e3\u8bc0<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Work = \u6211\u5e72\u7684\u6d3b<\/strong><br><strong>Product = \u6211\u5356\u7684\u4e1c\u897f<\/strong><br><strong>Impaired = \u4e1c\u897f\u6ca1\u574f\uff0c\u4f46\u7528\u4e0d\u4e86\u4e86<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd8\u6709\u4e00\u4e2a\u975e\u5e38\u5173\u952e\u7684\u8003\u8bd5\u70b9\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>CGL\u4e0d\u662f\u201c\u4fdd\u8bc1\u4f60\u7684\u5de5\u4f5c\/\u4ea7\u54c1\u8d28\u91cf\u201d\u7684\u4fdd\u9669\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u770b\u5230 <strong>\u201crepair \/ replace your defective work or product\u201d<\/strong>\uff0c\u7b2c\u4e00\u53cd\u5e94\u5e94\u8be5\u662f <strong>Exclusion<\/strong>\uff1b\u770b\u5230 <strong>\u201cdefective work\/product causes damage to other property\u201d<\/strong>\uff0c\u5c31\u8981\u8fdb\u4e00\u6b65\u5224\u65ad <strong>resulting property damage<\/strong> \u662f\u5426\u53ef\u80fd\u83b7\u5f97\u4fdd\u969c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u63a5\u7740\u5b66\u5565\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u6309\u7167\u4f60\u73b0\u5728\u7684 <strong>RIBO Level 1 Commercial Insurance<\/strong> \u5b66\u4e60\u8fdb\u5ea6\uff0c\u6211\u5efa\u8bae\u4e0b\u4e00\u8282\u4e0d\u8981\u8df3\u592a\u8fdc\uff0c\u800c\u662f\u628a <strong>CGL Exclusions<\/strong> \u7ee7\u7eed\u5f80\u4e0b\u5403\u900f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u521a\u5b66\u5b8c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your Work<\/li>\n\n\n\n<li>Your Product<\/li>\n\n\n\n<li>Impaired Property<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e0b\u4e00\u8282\u5efa\u8bae\uff1aCGL \u7684 <strong>Completed Operations + Products-Completed Operations Hazard<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u548c\u521a\u624d\u4e09\u4e2a exclusion <strong>\u76f4\u63a5\u8fde\u8d77\u6765<\/strong>\u7684\uff0c\u4e5f\u662f\u5f88\u5bb9\u6613\u51fa\u9677\u9631\u9898\u7684\u5730\u65b9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u53ef\u4ee5\u6309\u8fd9\u4e2a\u987a\u5e8f\u5b66\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2460 Products-Completed Operations Hazard<\/strong><br>\u2193<br><strong>\u2461 Ongoing Operations vs Completed Operations<\/strong><br>\u2193<br><strong>\u2462 Your Work exclusion \u7684\u4f8b\u5916\/\u4e0e Completed Operations \u7684\u5173\u7cfb<\/strong><br>\u2193<br><strong>\u2463 Contractual Liability<\/strong><br>\u2193<br><strong>\u2464 Care, Custody or Control\uff08CCC\uff09<\/strong><br>\u2193<br><strong>\u2465 Employer&#8217;s Liability \/ Workers&#8217; Compensation<\/strong><br>\u2193<br><strong>\u2466 Automobile \/ Aircraft \/ Watercraft exclusions<\/strong><br>\u2193<br><strong>\u2467 Pollution exclusion<\/strong><br>\u2193<br>\u6700\u540e\u505a\u4e00\u5957 <strong>CGL Exclusions \u7efc\u5408\u9677\u9631\u9898<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u4e2d <strong>CCC\uff08Care, Custody or Control\uff09<\/strong> \u6211\u7279\u522b\u5efa\u8bae\u4f60\u91cd\u70b9\u5b66\uff0c\u56e0\u4e3a\u5b83\u548c\u4f60\u4e4b\u524d\u5b66\u7684 <strong>Bailee\u3001Self-Storage\u3001\u88c5\u4fee\u627f\u5305\u5546<\/strong> \u90fd\u80fd\u4e32\u8d77\u6765\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u73b0\u5728\u7ee7\u7eed\uff0c\u6211\u5efa\u8bae\u6211\u4eec\u76f4\u63a5\u8fdb\u5165\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><strong>CGL\uff1aOngoing Operations vs Completed Operations<\/strong><\/h2>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u975e\u5e38\u9002\u5408 RIBO \u51fa\u9898\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u597d\u7684<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u597d\uff0c\u6211\u4eec\u7ee7\u7eed\u3002\u8fd9\u4e2a\u77e5\u8bc6\u70b9\u5728 <strong>RIBO CGL<\/strong> \u91cc\u5f88\u91cd\u8981\uff0c\u800c\u4e14\u548c\u521a\u624d\u7684 <strong>Your Work \/ Your Product<\/strong> \u662f\u8fde\u5728\u4e00\u8d77\u7684\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">CGL\uff1aOngoing Operations vs Completed Operations<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5148\u8bb0\u4f4f\u6700\u6838\u5fc3\u7684\u4e00\u53e5\u8bdd\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Ongoing = \u5de5\u4f5c\u8fd8\u6ca1\u5b8c\u6210<\/strong><br><strong>Completed = \u5de5\u4f5c\u5df2\u7ecf\u5b8c\u6210\uff0c\u4f46\u540e\u6765\u53d1\u751f\u4e86\u635f\u5931<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2460 Ongoing Operations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ongoing Operations = \u6b63\u5728\u8fdb\u884c\u4e2d\u7684\u5de5\u4f5c\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ABC Renovation \u6b63\u5728\u7ed9\u5ba2\u6237\u88c5\u4fee\u53a8\u623f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5de5\u4eba\u65bd\u5de5\u65f6\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u4e0d\u5c0f\u5fc3\u628a\u6c34\u7ba1\u5f04\u574f \u2192 \u6c34\u6f0f\u51fa\u6765 \u2192 \u5ba2\u6237\u7684\u6728\u5730\u677f\u88ab\u6c34\u635f\u574f\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\u88c5\u4fee\u5de5\u4f5c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8fd8\u6ca1\u6709\u5b8c\u6210\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Ongoing Operations<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u4e14\u53d1\u751f\u4e86 <strong>property damage<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\u8fd9\u662f\u5178\u578b\u7684 CGL liability exposure\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2461 Completed Operations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Completed Operations \u66f4\u5bb9\u6613\u8003\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd8\u662f ABC Renovation\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5468\u4e00\u628a\u53a8\u623f\u88c5\u4fee\u5b8c\u6210\uff0c\u5e76\u4ea4\u7ed9\u5ba2\u6237\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5468\u4e94\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u53d1\u73b0 ABC \u5b89\u88c5\u7684\u6c34\u7ba1\u6f0f\u6c34\uff0c\u5bfc\u81f4\u53a8\u623f\u5730\u677f\u4e25\u91cd\u635f\u574f\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u70b9\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ABC \u7684\u5de5\u4f5c\u5df2\u7ecf\u5b8c\u6210\u4e86\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u8fd9\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Completed Operations<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u7b26\u5408\u4fdd\u5355\u6761\u4ef6\uff0cCGL \u7684 <strong>Products-Completed Operations Liability<\/strong> \u53ef\u4ee5\u5904\u7406\u8fd9\u79cd\u8d23\u4efb\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f525; \u4e24\u8005\u6700\u91cd\u8981\u7684\u533a\u522b<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Ongoing Operations<\/th><th>Completed Operations<\/th><\/tr><\/thead><tbody><tr><td>\u5de5\u4f5c\u72b6\u6001<\/td><td>\u8fd8\u5728\u505a<\/td><td>\u5df2\u7ecf\u5b8c\u6210<\/td><\/tr><tr><td>\u635f\u5931\u53d1\u751f<\/td><td>\u5de5\u4f5c\u671f\u95f4<\/td><td>\u5b8c\u5de5\u4e4b\u540e<\/td><\/tr><tr><td>\u4f8b\u5b50<\/td><td>\u88c5\u4fee\u65f6\u6253\u574f\u6c34\u7ba1<\/td><td>\u88c5\u4fee\u5b8c\u51e0\u5929\u540e\u6c34\u7ba1\u6f0f\u6c34<\/td><\/tr><tr><td>CGL<\/td><td>\u53ef\u80fd\u8986\u76d6<\/td><td>\u53ef\u80fd\u8986\u76d6<\/td><\/tr><tr><td>\u5173\u952e\u5224\u65ad<\/td><td><strong>\u5de5\u4f5c\u662f\u5426\u5b8c\u6210\uff1f<\/strong><\/td><td><strong>\u5de5\u4f5c\u662f\u5426\u5df2\u7ecf\u5b8c\u6210\uff1f<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2462 \u4ec0\u4e48\u53eb\u201cCompleted\u201d\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\u6709\u4e00\u4e2a\u975e\u5e38\u5bb9\u6613\u51fa\u9677\u9631\u9898\u7684\u5730\u65b9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5de5\u4f5c\u4e0d\u4e00\u5b9a\u975e\u8981\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>100% \u5b8c\u6210\u6574\u4e2a\u5408\u540c<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u624d\u7b97 completed\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u6765\u8bf4\uff0c\u5982\u679c\u5de5\u4f5c\u5df2\u7ecf\u8fbe\u5230\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5df2\u7ecf\u5b8c\u6210<\/li>\n\n\n\n<li>\u5df2\u7ecf\u88ab\u6295\u5165\u4f7f\u7528<\/li>\n\n\n\n<li>\u6216\u8005\u5df2\u7ecf\u88ab\u4ea4\u4ed8\u7ed9\u5ba2\u6237\u4f7f\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c31\u53ef\u80fd\u8fdb\u5165 <strong>Completed Operations<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC \u516c\u53f8\u8d1f\u8d23\u5b89\u88c5\u9152\u5e97\u7684\u7535\u68af\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7535\u68af\u5df2\u7ecf\u5b89\u88c5\u5b8c\u6210\u5e76\u6295\u5165\u4f7f\u7528\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e24\u5468\u4ee5\u540e\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u7535\u68af\u6545\u969c\u5bfc\u81f4\u5ba2\u4eba\u53d7\u4f24\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5c31\u660e\u663e\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Completed Operations exposure<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2463 \u6700\u5bb9\u6613\u548c Your Work \u6df7\u6dc6<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4f60\u521a\u624d\u5b66\u7684\u5185\u5bb9\u548c\u4eca\u5929\u5185\u5bb9\u7684\u8fde\u63a5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC Roofing \u7ed9\u5ba2\u6237\u5b89\u88c5\u5c4b\u9876\u3002<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">\u60c5\u51b5 A<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b89\u88c5\u8fc7\u7a0b\u4e2d\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u5de5\u4eba\u628a\u5ba2\u6237\u7684\u7a97\u6237\u6253\u788e\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ongoing Operations<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5de5\u7a0b\u8fd8\u6ca1\u5b8c\u6210\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u60c5\u51b5 B<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c4b\u9876\u5df2\u7ecf\u5b89\u88c5\u5b8c\u6210\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u661f\u671f\u540e\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u5c4b\u9876\u5b89\u88c5\u9519\u8bef\u5bfc\u81f4\u6f0f\u6c34\uff0c\u5ba2\u6237\u7684\u5bb6\u5177\u88ab\u6c34\u635f\u574f\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Completed Operations<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5de5\u7a0b\u5df2\u7ecf\u5b8c\u6210\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u60c5\u51b5 C<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c4b\u9876\u672c\u8eab\u5b89\u88c5\u9519\u8bef\uff0c\u9700\u8981\u91cd\u65b0\u5b89\u88c5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\u53c8\u51fa\u73b0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Your Work exclusion<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u5ba2\u6237\u8981\u6c42\u4f60\u4fee\u590d\u7684\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f60\u81ea\u5df1\u6709\u7f3a\u9677\u7684\u5de5\u4f5c\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f9e0; \u6240\u4ee5\u4e00\u9053\u9898\u53ef\u4ee5\u540c\u65f6\u8003\u4f60\u4e24\u4e2a\u77e5\u8bc6\u70b9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC Roofing completed a roof installation. Two weeks later, the defective roof caused water damage to the customer&#8217;s furniture. Which coverage may respond?<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u8111\u5b50\u91cc\u5e94\u8be5\u540c\u65f6\u51fa\u73b0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 1\uff1a\u4ec0\u4e48\u65f6\u5019\u53d1\u751f\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 \u5b8c\u5de5\u4ee5\u540e<br>\u2192 <strong>Completed Operations<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 2\uff1a\u635f\u574f\u7684\u662f\u4ec0\u4e48\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 Customer&#8217;s furniture<br>\u2192 <strong>Other property<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u4e0d\u80fd\u7b80\u5355\u770b\u5230 \u201cdefective roof\u201d \u5c31\u9a6c\u4e0a\u9009\u62e9 Your Work exclusion\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u2464 Products-Completed Operations Hazard<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u540d\u79f0\u5f88\u957f\uff0c\u4f46\u5176\u5b9e\u5f88\u597d\u7406\u89e3\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Products + Completed Operations<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u628a\u4e24\u7c7b\u98ce\u9669\u653e\u5728\u4e00\u8d77\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Products<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u5356\u51fa\u53bb\u7684\u4ea7\u54c1\u9020\u6210\u7b2c\u4e09\u65b9\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">ABC \u5236\u9020\u7535\u70ed\u6c34\u58f6<br>\u2192 \u6c34\u58f6\u77ed\u8def<br>\u2192 \u628a\u5ba2\u6237\u53a8\u623f\u70e7\u574f<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Products exposure<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Completed Operations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u5b8c\u6210\u7684\u5de5\u4f5c\u540e\u6765\u9020\u6210\u7b2c\u4e09\u65b9\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u7535\u5de5\u5b8c\u6210\u7535\u7ebf\u5b89\u88c5<br>\u2192 \u4e24\u5468\u4ee5\u540e\u7535\u7ebf\u77ed\u8def<br>\u2192 \u623f\u5c4b\u53d1\u751f\u706b\u707e<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Completed Operations exposure<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; RIBO\u8003\u8bd5\u53e3\u8bc0<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53ef\u4ee5\u76f4\u63a5\u80cc\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u6b63\u5728\u5e72 \u2192 Ongoing<\/strong><br><strong>\u5e72\u5b8c\u4e86 \u2192 Completed<\/strong><br><strong>\u81ea\u5df1\u505a\u574f\u7684\u5de5\u4f5c \u2192 Your Work exclusion<\/strong><br><strong>\u81ea\u5df1\u5356\u574f\u7684\u4ea7\u54c1 \u2192 Your Product exclusion<\/strong><br><strong>\u9020\u6210\u522b\u4eba\u8d22\u4ea7\u635f\u5931 \u2192 \u518d\u5224\u65ad CGL \u662f\u5426\u54cd\u5e94<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u7ed9\u4f60\u4e00\u9053 RIBO \u98ce\u683c\u9677\u9631\u9898<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ABC Renovation completes the installation of a new bathroom. Two weeks later, a defect in the plumbing installed by ABC causes water to leak and damage the customer&#8217;s hardwood floor. Which statement is MOST accurate?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. It is an ongoing operations claim because ABC performed the work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. It is a completed operations exposure because the work had been completed before the damage occurred.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. The entire claim is excluded under the Your Work exclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. It is an impaired property claim because the plumbing was defective.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f60\u5148\u9009\u4e00\u4e2a\u7b54\u6848\u3002<\/strong><br>\u8fd9\u9898\u6211\u6545\u610f\u628a <strong>Completed Operations + Your Work + Impaired Property<\/strong> \u4e09\u4e2a\u6982\u5ff5\u653e\u5728\u4e00\u8d77\u3002<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21209\" class=\"pvc_stats all  \" data-element-id=\"21209\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u73b0\u5728\u8fdb\u5165 CGL\uff08Commercial General Liability\uff09\u6700\u96be\u3001\u4e5f\u662f RIBO \u6700\u559c\u6b22\u8003\u7684\u7ae0\u8282\u2014\u2014Exclusions\uff08\u9664\u5916\u8d23\u4efb\uff09\u3002 \u7b2c\u4e00\u53e5\u8bdd\u5148\u8bb0\u4f4f \u5f88\u591a\u4eba\u8ba4\u4e3a\uff1a CGL = \u4ec0\u4e48\u8d23\u4efb\u90fd\u8d54\u3002 \u8fd9\u662f\u6700\u5927\u7684\u9519\u8bef\u3002 \u5b9e\u9645\u4e0a\uff1a CGL \u662f&#8221;\u5148\u4fdd\uff0c\u518d\u6392\u9664\uff08Cover first, then exclude\uff09&#8221;\u3002 \u4e5f\u5c31\u662f\u8bf4\uff1a Coverage A \u5f88\u5bbd\u3002 \u4f46\u662f\uff1a \u540e\u9762\u6709\u5f88\u591a Exclusions\uff08\u9664\u5916\u8d23\u4efb\uff09\u3002 RIBO \u5f88\u559c\u6b22\u8003\uff1a Which loss is NOT covered? CGL Coverage A \u5148\u590d\u4e60\u4e00\u4e0b Coverage A\uff1a \u8d54\uff1a Bodily Injury\uff08BI\uff09 \u548c Property Damage\uff08PD\uff09 \u7531\u4e8e\uff1a Occurrence\u3002 \u4f8b\u5982\uff1a \u9910\u5385\u5730\u677f\u6e7f\u3002 \u987e\u5ba2\u6454\u65ad\u817f\u3002 &#x2714; Covered\u3002 \u88c5\u4fee\u5de5\u3002 \u4e0d\u5c0f\u5fc3\u649e\u574f\u5ba2\u6237\u5899\u3002 &#x2714; Covered\u3002 &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21209\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aCGL\u9664\u5916\u8d23\u4efb&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21209\" class=\"pvc_stats all  \" data-element-id=\"21209\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[193,157,156],"class_list":["post-21209","post","type-post","status-publish","format-standard","hentry","category-155","tag-cgl","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":5,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21209"}],"version-history":[{"count":3,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21209\/revisions"}],"predecessor-version":[{"id":21382,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21209\/revisions\/21382"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21209"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}