{"id":21213,"date":"2026-07-15T02:58:28","date_gmt":"2026-07-15T02:58:28","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21213"},"modified":"2026-07-22T03:51:14","modified_gmt":"2026-07-22T03:51:14","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aerrors-omissions-eo","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21213","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aErrors &amp; Omissions (E&amp;O)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Errors &amp; Omissions (E&amp;O)<\/strong> \u662f <strong>Professional Liability Insurance\uff08\u4e13\u4e1a\u8d23\u4efb\u4fdd\u9669\uff09<\/strong>\uff0c\u4e5f\u662f <strong>RIBO \u8003\u8bd5\u7684\u9ad8\u9891\u8003\u70b9<\/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 E&amp;O\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u4fdd\u9669\u4fdd\u969c\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>\u56e0\u4e13\u4e1a\u4eba\u58eb\u7684\u9519\u8bef\uff08Errors\uff09\u3001\u758f\u5ffd\uff08Omissions\uff09\u3001\u5931\u804c\uff08Negligence\uff09\u800c\u5bfc\u81f4\u5ba2\u6237\u906d\u53d7\u7ecf\u6d4e\u635f\u5931\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u4ee3\u4e3a\u8d54\u507f\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u4fdd\u62a4\u7684\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f8b\u5e08<\/li>\n\n\n\n<li>\u4fdd\u9669\u7ecf\u7eaa\uff08Insurance Brokers\uff09<\/li>\n\n\n\n<li>\u623f\u5730\u4ea7\u7ecf\u7eaa<\/li>\n\n\n\n<li>\u4f1a\u8ba1\u5e08<\/li>\n\n\n\n<li>\u533b\u751f\uff08\u901a\u5e38\u79f0 Medical Malpractice\uff09<\/li>\n\n\n\n<li>\u91d1\u878d\u987e\u95ee<\/li>\n\n\n\n<li>IT \u987e\u95ee<\/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\">Errors \u662f\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Errors = \u505a\u9519\u4e86<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u7ecf\u7eaa\u5e94\u8be5\u5e2e\u5ba2\u6237\u4e70 <strong>Commercial Property Insurance<\/strong>\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\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\">\u4e0d\u5c0f\u5fc3\u4e70\u6210 Homeowners Insurance\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u6765\u53d1\u751f\u706b\u707e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u62d2\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u635f\u5931 $500,000\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d77\u8bc9 Broker\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; E&amp;O \u8d54\u507f Broker \u7684\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\">Omissions \u662f\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Omissions = \u6f0f\u505a\u4e86<\/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\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\">\u6211\u6709\u5730\u4e0b\u5ba4\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5fd8\u4e86\u95ee\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\">\u6709\u6ca1\u6709 Sewer Backup Coverage\uff1f<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u6765\u66b4\u96e8\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5730\u4e0b\u5ba4\u88ab\u6c61\u6c34\u5012\u704c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u53d1\u73b0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u4e70 Sewer Backup\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8e\u662f\u544a Broker\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u53ef\u4ee5\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\">RIBO \u6700\u559c\u6b22\u8003\u7684\u5173\u952e\u8bcd<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Error<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u505a\u9519<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u586b\u9519\u8d44\u6599<\/li>\n\n\n\n<li>\u5199\u9519\u5730\u5740<\/li>\n\n\n\n<li>\u4e70\u9519\u4fdd\u5355<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Omission<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6f0f\u505a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5fd8\u8bb0\u52a0 OPCF 44R<\/li>\n\n\n\n<li>\u5fd8\u8bb0\u5efa\u8bae Flood Coverage<\/li>\n\n\n\n<li>\u5fd8\u8bb0\u901a\u77e5 Renewal<\/li>\n\n\n\n<li>\u5fd8\u8bb0\u63d0\u4ea4\u7533\u8bf7<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Negligence\uff08\u758f\u5ffd\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u8fbe\u5230\u5408\u7406\u4e13\u4e1a\u4eba\u58eb\u5e94\u6709\u7684\u6807\u51c6\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\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\">\u6211\u60f3\u786e\u4fdd\u8425\u4e1a\u4e2d\u65ad\u4e5f\u8d54\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Broker\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\">\u6ca1\u95ee\u9898\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9e\u9645\u4e0a\u5374\u6ca1\u4e70 Business Interruption\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d1\u751f\u706b\u707e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u505c\u4e1a\u534a\u5e74\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u88ab\u544a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u8d1f\u8d23\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">E&amp;O \u8d54\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u6cd5\u5f8b\u8fa9\u62a4\u8d39\u7528\uff08Legal Defence Costs\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u6cd5\u9662\u5224\u51b3\u91d1\u989d\uff08Damages Awarded\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u548c\u89e3\u91d1\u989d\uff08Settlement\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u4e9b\u4fdd\u5355\u8fd8\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8c03\u67e5\u8d39\u7528<\/li>\n\n\n\n<li>\u4e13\u5bb6\u8bc1\u4eba\u8d39\u7528<\/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\">E&amp;O \u4e0d\u8d54\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u4e0d\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u6545\u610f\u8fdd\u6cd5\uff08Intentional Acts\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u6545\u610f\u4f2a\u9020\u7b7e\u540d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Fraud\uff08\u6b3a\u8bc8\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6545\u610f\u9a97\u5ba2\u6237\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Criminal Acts\uff08\u72af\u7f6a\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u76d7\u7a83\u4fdd\u8d39\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Bodily Injury<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u4e0d\u8d54\u4eba\u8eab\u4f24\u5bb3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u5c5e\u4e8e CGL\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Property Damage<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u4e5f\u4e0d\u662f E&amp;O\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e CGL\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">E&amp;O vs CGL<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f RIBO \u6700\u7231\u6bd4\u8f83\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>E&amp;O<\/th><th>CGL<\/th><\/tr><\/thead><tbody><tr><td>Professional negligence<\/td><td>Bodily Injury<\/td><\/tr><tr><td>Wrong advice<\/td><td>Property Damage<\/td><\/tr><tr><td>Financial loss<\/td><td>Slip &amp; Fall<\/td><\/tr><tr><td>Missed coverage<\/td><td>Advertising injury<\/td><\/tr><tr><td>Wrong policy<\/td><td>Personal injury<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u53e5\u8bdd\u8bb0\u5fc6\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>E&amp;O = \u4e13\u4e1a\u9519\u8bef\u9020\u6210\u7ecf\u6d4e\u635f\u5931<\/strong><br><strong>CGL = \u610f\u5916\u4e8b\u6545\u9020\u6210\u4eba\u8eab\u4f24\u5bb3\u6216\u8d22\u4ea7\u635f\u5931<\/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\">RIBO Broker \u4e3a\u4ec0\u4e48\u5fc5\u987b\u4e70\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Ontario \u7684\u4fdd\u9669\u7ecf\u7eaa\u5fc5\u987b\u7ef4\u6301 E&amp;O \u4fdd\u9669\uff0c\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u969c\u5ba2\u6237<\/li>\n\n\n\n<li>\u4fdd\u969c Broker<\/li>\n\n\n\n<li>\u6ee1\u8db3 RIBO \u7684\u6267\u4e1a\u8981\u6c42<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u6ca1\u6709\u6709\u6548\u7684 E&amp;O\uff0c\u53ef\u80fd\u65e0\u6cd5\u7b26\u5408\u6267\u4e1a\u8981\u6c42\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\u4f8b\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A broker forgot to add Sewer Backup Coverage requested by the insured. After a flood, the customer sues the broker.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which policy would respond?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. CGL<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Property Insurance<\/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. Errors &amp; Omissions Insurance<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Automobile Insurance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker <strong>\u9057\u6f0f\uff08Omission\uff09<\/strong> \u5bfc\u81f4\u5ba2\u6237\u906d\u53d7\u7ecf\u6d4e\u635f\u5931\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A client slips on a wet floor inside a brokerage office and breaks a leg.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which insurance responds?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. E&amp;O<\/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\">B. CGL<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Crime<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f <strong>Bodily Injury<\/strong>\uff0c\u5c5e\u4e8e <strong>CGL<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 3\uff08\u9677\u9631\u9898\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A broker intentionally lies about policy coverage in order to make a sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which statement is correct?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Covered by E&amp;O<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Covered by CGL<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Covered by Crime Insurance<\/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\">D. Generally not covered because it is an intentional act<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aD<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u4fdd\u969c\u7684\u662f<strong>\u758f\u5ffd\u3001\u9519\u8bef\u6216\u9057\u6f0f<\/strong>\uff0c\u800c\u4e0d\u662f<strong>\u6545\u610f\u6b3a\u9a97\uff08Fraud \/ Intentional Acts\uff09<\/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\">RIBO \u8003\u8bd5\u901f\u8bb0\u53e3\u8bc0<\/h1>\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>E&amp;O = Error + Omission + Negligence \u2192 Financial Loss\uff08\u4e13\u4e1a\u8d23\u4efb\uff09<\/strong><br><strong>CGL = Bodily Injury + Property Damage\uff08\u516c\u4f17\u8d23\u4efb\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8bb0\u5fc6\u6280\u5de7\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>E&amp;O \u2192 Advice\uff08\u5efa\u8bae\u9519\u4e86\u3001\u6f0f\u4e86\uff09<\/strong><\/li>\n\n\n\n<li><strong>CGL \u2192 Accident\uff08\u610f\u5916\u53d1\u751f\u4e86\uff09<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f RIBO \u8003\u8bd5\u4e2d\u6700\u5e38\u89c1\u3001\u4e5f\u6700\u5bb9\u6613\u4e0e CGL \u6df7\u6dc6\u7684\u77e5\u8bc6\u70b9\uff0c\u51e0\u4e4e\u6bcf\u5957\u6a21\u62df\u9898\u90fd\u4f1a\u6d89\u53ca\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">E&amp;O \u4fdd\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8981\u6c42\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u589e\u52a0 Comprehensive Coverage\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5fd8\u4e86\u529e\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u6765\u8f66\u8f86\u53d1\u751f\u4e8b\u6545\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u539f\u672c\u5e94\u8be5\u6709\u4fdd\u969c\uff0c\u5374\u6ca1\u6709\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8d77\u8bc9 Broker\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u53ef\u80fd\u8d54\u507f Broker \u56e0\u4e13\u4e1a\u758f\u5ffd\u5e94\u627f\u62c5\u7684\u8d23\u4efb\uff08\u4ee5\u4fdd\u5355\u6761\u6b3e\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\">E&amp;O \u4e0d\u4fdd\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u4e0d\u4f1a\u4fdd\u969c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u6545\u610f\u6b3a\u8bc8\uff08Fraud\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u72af\u7f6a\u884c\u4e3a\uff08Criminal Acts\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u6545\u610f\u8fdd\u6cd5\uff08Intentional Wrongdoing\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8bda\u5b9e\u72af\u9519<\/strong> \u2192 \u53ef\u80fd\u6709\u4fdd\u969c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6545\u610f\u9a97\u4eba<\/strong> \u2192 \u901a\u5e38\u6ca1\u6709\u4fdd\u969c<\/p>\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 Scenario<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">Question 1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5fd8\u8bb0\u66ff\u5ba2\u6237\u52a0\u4fdd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u635f\u5931\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u54ea\u4e00\u79cd\u4fdd\u9669\u53ef\u80fd\u56de\u5e94\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Commercial General Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Property Insurance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Errors &amp; Omissions<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Auto Insurance<\/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<h3 class=\"wp-block-heading\">Question 2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u7684 E&amp;O \u5df2\u8fc7\u671f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u7ee7\u7eed\u6267\u4e1a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fdd\u53cd\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>Regulation 991<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Question 3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u6545\u610f\u4f2a\u9020\u5ba2\u6237\u7b7e\u540d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u662f\u5426\u901a\u5e38\u4fdd\u969c\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Yes<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. No<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Question 4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u7684\u4e3b\u8981\u76ee\u7684\u662f\u4ec0\u4e48\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. \u8d54\u507f\u5ba2\u6237\u8f66\u8f86\u635f\u5931<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. \u8d54\u507f Broker \u56e0\u4e13\u4e1a\u758f\u5ffd\u9020\u6210\u7684\u8d23\u4efb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. \u652f\u4ed8\u5458\u5de5\u5de5\u8d44<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. \u652f\u4ed8\u529e\u516c\u79df\u91d1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e0e\u5176\u4ed6\u4fdd\u9669\u7684\u533a\u522b\uff08\u8003\u8bd5\u5e38\u8003\uff09<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u4fdd\u9669<\/th><th>\u4fdd\u969c\u5bf9\u8c61<\/th><\/tr><\/thead><tbody><tr><td><strong>Errors &amp; Omissions (E&amp;O)<\/strong><\/td><td>Broker \u56e0\u4e13\u4e1a\u9519\u8bef\u3001\u9057\u6f0f\u6216\u758f\u5ffd\u4ea7\u751f\u7684\u8d23\u4efb<\/td><\/tr><tr><td><strong>Commercial General Liability (CGL)<\/strong><\/td><td>\u7b2c\u4e09\u8005\u4eba\u8eab\u4f24\u5bb3\u6216\u8d22\u4ea7\u635f\u5931<\/td><\/tr><tr><td><strong>Crime Insurance<\/strong><\/td><td>\u5458\u5de5\u76d7\u7a83\u3001\u8bc8\u9a97\u7b49\u72af\u7f6a\u9020\u6210\u7684\u635f\u5931<\/td><\/tr><tr><td><strong>Directors &amp; Officers (D&amp;O)<\/strong><\/td><td>\u8463\u4e8b\u3001\u9ad8\u7ba1\u7ba1\u7406\u51b3\u7b56\u8d23\u4efb<\/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\">\u4e00\u53e5\u8bdd\u8bb0\u5fc6\uff08\u8003\u8bd5\u53e3\u8bc0\uff09<\/h1>\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>E&amp;O = Broker \u72af\u9519\uff0c\u5ba2\u6237\u53d7\u635f\uff0cE&amp;O \u8d54\uff08\u4e13\u4e1a\u758f\u5ffd\uff09\u3002<\/strong><br><strong>\u6267\u7167\u6709\u6548 = E&amp;O \u5fc5\u987b\u6301\u7eed\u6709\u6548\uff08Continuous Coverage\uff09\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\">&#x2b50; RIBO \u8003\u8bd5\u9677\u9631<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8bd5\u7ecf\u5e38\u628a <strong>E&amp;O<\/strong> \u548c <strong>Fidelity Insurance\uff08\u5fe0\u8bda\u4fdd\u8bc1\u4fdd\u9669\uff09<\/strong> \u653e\u5728\u4e00\u8d77\u8003\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>E&amp;O<\/strong> \u2192 \u9632 <strong>Broker \u81ea\u5df1\u7684\u4e13\u4e1a\u9519\u8bef\uff08Errors \/ Omissions \/ Negligence\uff09<\/strong><\/li>\n\n\n\n<li><strong>Fidelity Insurance<\/strong> \u2192 \u9632 <strong>\u5458\u5de5\u5077\u94b1\u3001\u632a\u7528\u8d44\u91d1\u3001\u6b3a\u8bc8\uff08Dishonesty\uff09<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u8981\u9898\u76ee\u51fa\u73b0 <strong>&#8220;\u5fd8\u8bb0\u6295\u4fdd&#8221;\u3001&#8221;\u63d0\u4f9b\u9519\u8bef\u5efa\u8bae&#8221;\u3001&#8221;\u6f0f\u529e\u6279\u5355&#8221;<\/strong>\uff0c\u51e0\u4e4e\u90fd\u662f <strong>E&amp;O<\/strong>\uff1b\u5982\u679c\u51fa\u73b0 <strong>&#8220;\u5458\u5de5\u76d7\u7a83\u5ba2\u6237\u4fdd\u8d39&#8221;\u3001&#8221;\u632a\u7528\u4fe1\u6258\u8d26\u6237\u8d44\u91d1&#8221;<\/strong>\uff0c\u5219\u901a\u5e38\u8003 <strong>Fidelity Insurance<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker\u641e\u9519\u4e86\u4e4b\u540e\uff0c\u5bf9\u4ed6\u6709\u4ec0\u4e48\u5f71\u54cd\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4e00\u4e2a\u975e\u5e38\u597d\u7684\u95ee\u9898\uff0c\u4e5f\u662f <strong>RIBO \u8003\u8bd5\u559c\u6b22\u8003\u7684\u903b\u8f91<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u4ee5\u4e3a <strong>E&amp;O = Broker \u72af\u9519\u540e\u5c31\u6ca1\u4e8b\u4e86<\/strong>\uff0c\u5176\u5b9e\u4e0d\u662f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Broker \u72af\u9519\u540e\uff0c\u4f1a\u53d1\u751f\u4ec0\u4e48\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u8981\u6c42\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;\u5e2e\u6211\u52a0 Comprehensive Coverage\u3002&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u5fd8\u4e86\u529e\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u6765\u5ba2\u6237\u649e\u8f66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$30,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u679c\u53d1\u73b0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u672c\u6ca1\u4e70\u5230 Comprehensive\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c\u4e00\u6b65\uff1a\u5ba2\u6237\u63d0\u51fa\u7d22\u8d54\uff08Claim\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u4f1a\u53d1\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\">&#8220;\u8fd9\u662f Broker \u7684\u9519\u8bef\u3002&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8e\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u53ef\u80fd\u8d77\u8bc9 Broker \u6216 Brokerage\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c\u4e8c\u6b65\uff1aE&amp;O Insurance \u4ecb\u5165<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u5c5e\u4e8e\u4fdd\u969c\u8303\u56f4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u901a\u5e38\u4f1a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u652f\u4ed8\u5f8b\u5e08\u8d39\u7528\uff08Legal Defence Costs\uff09<\/li>\n\n\n\n<li>\u4e0e\u5ba2\u6237\u534f\u5546\u548c\u89e3\uff08Settlement\uff09<\/li>\n\n\n\n<li>\u652f\u4ed8\u6cd5\u9662\u5224\u51b3\u6216\u548c\u89e3\u91d1\u989d\uff08\u53d7\u4fdd\u5355\u9650\u989d\u53ca\u6761\u6b3e\u7ea6\u675f\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u635f\u5931 $30,000\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6cd5\u9662\u5224 Broker \u5e94\u8d1f\u8d23\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E&amp;O \u53ef\u80fd\u8d54\u4ed8\u8fd9\u7b14\u91d1\u989d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c\u4e09\u6b65\uff1aBroker \u4f1a\u4e0d\u4f1a\u5b8c\u5168\u6ca1\u4e8b\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u4f1a\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f E&amp;O \u8d54\u4e86\uff0cBroker \u4ecd\u53ef\u80fd\u9762\u4e34\u5176\u4ed6\u540e\u679c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. RIBO \u7eaa\u5f8b\u5904\u5206\uff08\u8003\u8bd5\u91cd\u70b9\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u53ef\u4ee5\u8c03\u67e5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u53d1\u73b0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u758f\u5ffd\uff08Negligence\uff09<\/li>\n\n\n\n<li>\u4e0d\u4e13\u4e1a<\/li>\n\n\n\n<li>\u6ca1\u9075\u5b88 Code of Conduct<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8b66\u544a\uff08Warning\uff09<\/li>\n\n\n\n<li>\u8981\u6c42\u989d\u5916\u57f9\u8bad<\/li>\n\n\n\n<li>\u7f5a\u6b3e\uff08Fine\uff09<\/li>\n\n\n\n<li>\u6682\u505c\u6267\u7167\uff08Suspend Licence\uff09<\/li>\n\n\n\n<li>\u540a\u9500\u6267\u7167\uff08Revoke Licence\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u58f0\u8a89\u53d7\u635f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u518d\u5408\u4f5c<\/li>\n\n\n\n<li>\u7ed9\u8d1f\u9762\u8bc4\u4ef7<\/li>\n\n\n\n<li>\u8f6c\u5230\u5176\u4ed6 Brokerage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u7ecf\u7eaa\u4eba\u7684\u804c\u4e1a\u53d1\u5c55\u5f71\u54cd\u5f88\u5927\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. E&amp;O \u4fdd\u8d39\u4e0a\u6da8<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c31\u50cf\u6c7d\u8f66\u4fdd\u9669\u4e00\u6837\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u7ecf\u5e38\u53d1\u751f E&amp;O Claims\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7eed\u4fdd\u65f6\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u8d39\u53ef\u80fd\u4e0a\u6da8<\/li>\n\n\n\n<li>\u81ea\u4ed8\u989d\uff08Deductible\uff09\u53ef\u80fd\u63d0\u9ad8<\/li>\n\n\n\n<li>\u4e25\u91cd\u65f6\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u62d2\u7edd\u7eed\u4fdd<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u516c\u53f8\u5185\u90e8\u5904\u5206<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Brokerage \u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8b66\u544a<\/li>\n\n\n\n<li>\u6263\u5956\u91d1<\/li>\n\n\n\n<li>\u505c\u804c<\/li>\n\n\n\n<li>\u89e3\u96c7<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c24\u5176\u662f\u91cd\u590d\u72af\u9519\u65f6\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u679c\u662f\u6545\u610f\u9a97\u5ba2\u6237\u5462\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Broker \u660e\u77e5\u6ca1\u6709\u4fdd\u969c\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5374\u544a\u8bc9\u5ba2\u6237\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;\u653e\u5fc3\uff0c\u5168\u90e8\u90fd\u6709\u8d54\u3002&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Misrepresentation\uff08\u865a\u5047\u9648\u8ff0\uff09<\/li>\n\n\n\n<li>Fraud\uff08\u6b3a\u8bc8\uff09\u2014\u2014\u89c6\u4e8b\u5b9e\u800c\u5b9a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u679c\u4f1a\u6bd4\u4e00\u822c\u758f\u5ffd\u4e25\u91cd\u5f97\u591a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E&amp;O <strong>\u4e00\u822c\u4e0d\u4f1a\u4fdd\u969c\u6545\u610f\u7684\u4e0d\u5f53\u884c\u4e3a<\/strong>\uff08\u4ee5\u4fdd\u5355\u6761\u6b3e\u4e3a\u51c6\uff09\u3002<\/li>\n\n\n\n<li>RIBO \u53ef\u80fd\u7ed9\u4e88\u4e25\u5389\u7eaa\u5f8b\u5904\u5206\u3002<\/li>\n\n\n\n<li>\u8fd8\u53ef\u80fd\u9762\u4e34\u6c11\u4e8b\u8d23\u4efb\uff0c\u751a\u81f3\u5728\u6d89\u53ca\u72af\u7f6a\u65f6\u627f\u62c5\u5211\u4e8b\u540e\u679c\u3002<\/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 \u8003\u8bd5\u6700\u559c\u6b22\u8003\u7684\u533a\u522b<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u60c5\u51b5<\/th><th>\u540e\u679c<\/th><\/tr><\/thead><tbody><tr><td>\u4e00\u6b21\u65e0\u5fc3\u7684\u758f\u5ffd\uff08Negligence\uff09<\/td><td>E&amp;O \u53ef\u80fd\u8d54\u507f\uff0cBroker \u4ecd\u53ef\u80fd\u63a5\u53d7 RIBO \u8c03\u67e5\u548c\u7eaa\u5f8b\u5904\u5206<\/td><\/tr><tr><td>\u7ecf\u5e38\u72af\u540c\u6837\u9519\u8bef<\/td><td>\u66f4\u53ef\u80fd\u53d7\u5230\u7eaa\u5f8b\u5904\u5206\uff0cE&amp;O \u4fdd\u8d39\u53ef\u80fd\u4e0a\u6da8<\/td><\/tr><tr><td>\u6545\u610f\u6b3a\u9a97\u5ba2\u6237\uff08Intentional Misrepresentation\/Fraud\uff09<\/td><td>E&amp;O \u901a\u5e38\u4e0d\u4fdd\u969c\uff1b\u53ef\u80fd\u88ab\u6682\u505c\u6216\u540a\u9500\u6267\u7167\uff0c\u5e76\u627f\u62c5\u6cd5\u5f8b\u8d23\u4efb<\/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\">\u8003\u8bd5\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>Broker \u72af\u9519 \u2260 \u6ca1\u4e8b\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8981\u8bb0\u4f4f\u6709\u56db\u4e2a\u5c42\u9762\u7684\u5f71\u54cd\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5ba2\u6237\u53ef\u80fd\u7d22\u8d54\uff08Claim\uff09<\/strong><\/li>\n\n\n\n<li><strong>E&amp;O \u53ef\u80fd\u8d54\u507f\uff08\u7b26\u5408\u4fdd\u5355\u6761\u6b3e\u65f6\uff09<\/strong><\/li>\n\n\n\n<li><strong>RIBO \u53ef\u80fd\u7eaa\u5f8b\u5904\u5206\uff08\u76d1\u7ba1\u5c42\u9762\uff09<\/strong><\/li>\n\n\n\n<li><strong>Broker \u81ea\u5df1\u627f\u62c5\u804c\u4e1a\u540e\u679c\uff08\u58f0\u8a89\u3001\u5de5\u4f5c\u3001\u672a\u6765\u4fdd\u8d39\u7b49\uff09<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>RIBO Level 1 \u7684\u8003\u8bd5\u91cd\u70b9<\/strong>\u662f\uff1a<strong>E&amp;O \u662f\u4e00\u79cd\u8d22\u52a1\u4fdd\u969c\uff0c\u5e76\u4e0d\u662f\u514d\u9664 Broker \u5bf9\u4e13\u4e1a\u884c\u4e3a\u8d1f\u8d23\u7684\u201c\u514d\u8d23\u5361\u201d\u3002<\/strong> \u5373\u4f7f\u4fdd\u9669\u516c\u53f8\u8d54\u4e86\uff0cBroker \u4ecd\u7136\u53ef\u80fd\u56e0\u4e3a\u8fdd\u53cd\u4e13\u4e1a\u4e49\u52a1\u800c\u53d7\u5230\u76d1\u7ba1\u5904\u5206\u3002<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21213\" class=\"pvc_stats all  \" data-element-id=\"21213\" 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>Errors &amp; Omissions (E&amp;O) \u662f Professional Liability Insurance\uff08\u4e13\u4e1a\u8d23\u4efb\u4fdd\u9669\uff09\uff0c\u4e5f\u662f RIBO \u8003\u8bd5\u7684\u9ad8\u9891\u8003\u70b9\u3002 \u4ec0\u4e48\u662f E&amp;O\uff1f E&amp;O \u4fdd\u9669\u4fdd\u969c\u7684\u662f\uff1a \u56e0\u4e13\u4e1a\u4eba\u58eb\u7684\u9519\u8bef\uff08Errors\uff09\u3001\u758f\u5ffd\uff08Omissions\uff09\u3001\u5931\u804c\uff08Negligence\uff09\u800c\u5bfc\u81f4\u5ba2\u6237\u906d\u53d7\u7ecf\u6d4e\u635f\u5931\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u4ee3\u4e3a\u8d54\u507f\u3002 \u5b83\u4fdd\u62a4\u7684\u662f\uff1a Errors \u662f\u4ec0\u4e48\uff1f Errors = \u505a\u9519\u4e86 \u4f8b\u5982\uff1a \u4fdd\u9669\u7ecf\u7eaa\u5e94\u8be5\u5e2e\u5ba2\u6237\u4e70 Commercial Property Insurance\uff0c \u7ed3\u679c\uff1a \u4e0d\u5c0f\u5fc3\u4e70\u6210 Homeowners Insurance\u3002 \u540e\u6765\u53d1\u751f\u706b\u707e\u3002 \u4fdd\u9669\u516c\u53f8\u62d2\u8d54\u3002 \u5ba2\u6237\u635f\u5931 $500,000\u3002 \u5ba2\u6237\u8d77\u8bc9 Broker\u3002 &#x1f449; E&amp;O \u8d54\u507f Broker \u7684\u8d23\u4efb\u3002 Omissions \u662f\u4ec0\u4e48\uff1f Omissions = \u6f0f\u505a\u4e86 \u4f8b\u5982\uff1a \u5ba2\u6237\u8bf4\uff1a \u6211\u6709\u5730\u4e0b\u5ba4\u3002 Broker \u5fd8\u4e86\u95ee\uff1a \u6709\u6ca1\u6709 Sewer Backup Coverage\uff1f &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21213\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aErrors &amp; Omissions (E&amp;O)&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21213\" class=\"pvc_stats all  \" data-element-id=\"21213\" 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":[194,157,156],"class_list":["post-21213","post","type-post","status-publish","format-standard","hentry","category-155","tag-eo","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":1,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21213","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=21213"}],"version-history":[{"count":3,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21213\/revisions"}],"predecessor-version":[{"id":21272,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21213\/revisions\/21272"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21213"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}