{"id":21377,"date":"2026-08-12T03:29:39","date_gmt":"2026-08-12T03:29:39","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21377"},"modified":"2026-08-12T03:29:39","modified_gmt":"2026-08-12T03:29:39","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9acontributory-negligence","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21377","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aContributory Negligence"},"content":{"rendered":"\n

RIBO Level 1 \u2014 Contractual Liability\uff08\u5408\u540c\u8d23\u4efb\uff09<\/strong>\u3002<\/p>\n\n\n\n

\u8fd9\u4e00\u8282\u7279\u522b\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u4f1a\u628a\u4f60\u5df2\u7ecf\u5b66\u8fc7\u7684 Negligence\u3001CGL\u3001Indemnity\u3001Hold Harmless<\/strong> \u4e32\u8d77\u6765\u3002<\/p>\n\n\n\n

\n\n\n\n

\u4e00\u3001\u5148\u641e\u61c2\uff1a\u4ec0\u4e48\u662f Contractual Liability\uff1f<\/h1>\n\n\n\n

\u6700\u7b80\u5355\u7684\u7406\u89e3\uff1a<\/p>\n\n\n\n

\n

\u56e0\u4e3a\u5408\u540c\u4e2d\u7684\u627f\u8bfa\u6216\u7ea6\u5b9a\uff0c\u800c\u4ea7\u751f\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\u4e00\u5bb6\u88c5\u4fee\u516c\u53f8\u548c\u5ba2\u6237\u7b7e\u5408\u540c\uff1a<\/p>\n\n\n\n

\n

\u201c\u88c5\u4fee\u516c\u53f8\u8d1f\u8d23\u8d54\u507f\u5ba2\u6237\u56e0\u4e3a\u88c5\u4fee\u5de5\u4f5c\u9020\u6210\u7684\u67d0\u4e9b\u635f\u5931\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n

\u8fd9\u65f6\u5019\uff0c\u5982\u679c\u53d1\u751f\u4e8b\u6545\uff0c\u5c31\u53ef\u80fd\u6d89\u53ca\uff1a<\/p>\n\n\n\n

\n

Contractual Liability<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u4e8c\u3001\u6700\u91cd\u8981\u7684\u533a\u522b ⭐⭐⭐⭐⭐<\/h1>\n\n\n\n

RIBO \u6700\u5bb9\u6613\u8003\u7684\u662f\uff1a<\/p>\n\n\n\n

Liability \u672c\u6765\u5c31\u5b58\u5728<\/h3>\n\n\n\n

vs.<\/p>\n\n\n\n

Liability \u662f\u56e0\u4e3a\u5408\u540c\u624d\u4ea7\u751f<\/h3>\n\n\n\n
\n\n\n\n

\u60c5\u51b5 A\uff1a\u672c\u6765\u5c31\u6709\u6cd5\u5f8b\u8d23\u4efb<\/h2>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

\u88c5\u4fee\u516c\u53f8\u65bd\u5de5\u65f6\u628a\u90bb\u5c45\u7684\u7a97\u6237\u7838\u574f\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u5373\u4f7f\u6ca1\u6709\u5408\u540c\uff0c\u88c5\u4fee\u516c\u53f8\u4e5f\u53ef\u80fd\u56e0\u4e3a\uff1a<\/p>\n\n\n\n

\n

Negligence<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u5bf9\u90bb\u5c45\u627f\u62c5\u8d23\u4efb\u3002<\/p>\n\n\n\n

\u6240\u4ee5\uff1a<\/p>\n\n\n\n

\n

Contract \u2260 \u5fc5\u7136\u521b\u9020 liability<\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u60c5\u51b5 B\uff1a\u5408\u540c\u989d\u5916\u627f\u62c5\u8d23\u4efb<\/h2>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

\u5546\u573a\u548c\u6e05\u6d01\u516c\u53f8\u7b7e\u5408\u540c\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u5408\u540c\u89c4\u5b9a\uff1a<\/p>\n\n\n\n

\n

\u6e05\u6d01\u516c\u53f8\u5fc5\u987b\u4e3a\u67d0\u4e9b\u7531\u5176\u5de5\u4f5c\u4ea7\u751f\u7684\u7d22\u8d54\u627f\u62c5\u8d23\u4efb\uff0c\u5e76 indemnify \u5546\u573a\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u8fd9\u65f6\u5019\uff1a<\/p>\n\n\n\n

\n

\u6e05\u6d01\u516c\u53f8\u7684\u8d23\u4efb\u53ef\u80fd\u6765\u81ea\u5408\u540c\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u8fd9\u624d\u662f\u5178\u578b\u7684\uff1a<\/p>\n\n\n\n

\n

Contractual Liability<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u4e09\u3001Indemnity Agreement ⭐⭐⭐⭐⭐<\/h1>\n\n\n\n

\u8fd9\u4e2a\u8bcd\u4f60\u4e00\u5b9a\u8981\u8bb0\u4f4f\u3002<\/p>\n\n\n\n

Indemnify<\/h3>\n\n\n\n

\u7b80\u5355\u7406\u89e3\uff1a<\/p>\n\n\n\n

\n

\u8d54\u507f\u5bf9\u65b9\uff0c\u4f7f\u5bf9\u65b9\u514d\u53d7\u67d0\u4e9b\u635f\u5931\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\u5408\u540c\u89c4\u5b9a\uff1a<\/p>\n\n\n\n

\n

Contractor agrees to indemnify the property owner for claims arising from the contractor’s operations.<\/p>\n<\/blockquote>\n\n\n\n

\u610f\u601d\u5927\u6982\u662f\uff1a<\/p>\n\n\n\n

\n

\u5982\u679c\u56e0\u4e3a\u627f\u5305\u5546\u7684\u5de5\u4f5c\u5bfc\u81f4\u67d0\u4e9b\u7d22\u8d54\uff0c\u627f\u5305\u5546\u540c\u610f\u8d54\u507f\/\u4fdd\u62a4\u4e1a\u4e3b\u3002<\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u56db\u3001Hold Harmless Agreement<\/h1>\n\n\n\n

\u8fd9\u4e2a\u548c Indemnity \u7ecf\u5e38\u4e00\u8d77\u51fa\u73b0\u3002<\/p>\n\n\n\n

Hold Harmless<\/h3>\n\n\n\n

\u7b80\u5355\u7406\u89e3\uff1a<\/p>\n\n\n\n

\n

\u540c\u610f\u8ba9\u5bf9\u65b9\u514d\u4e8e\u627f\u62c5\u67d0\u4e9b\u8d23\u4efb\u6216\u635f\u5931\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

Contractor agrees to hold the landlord harmless from claims arising from the contractor’s operations.<\/p>\n<\/blockquote>\n\n\n\n

\u8003\u8bd5\u4e2d\u7ecf\u5e38\u628a\uff1a<\/p>\n\n\n\n

\n

Indemnify \/ Hold Harmless<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u653e\u5728\u4e00\u8d77\u3002<\/p>\n\n\n\n

\u4f60\u53ef\u4ee5\u5148\u7b80\u5355\u8bb0\uff1a<\/p>\n\n\n\n

\n

Indemnify = \u8865\u507f<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\n

Hold Harmless = \u4fdd\u62a4\u5bf9\u65b9\u514d\u53d7\u8d23\u4efb\/\u635f\u5931<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u5b9e\u9645\u5408\u540c\u91cc\u7684\u6cd5\u5f8b\u6548\u679c\u53ef\u80fd\u975e\u5e38\u590d\u6742\uff0c\u4f46 RIBO Level 1 \u901a\u5e38\u91cd\u70b9\u662f\u7406\u89e3\u57fa\u672c\u6982\u5ff5\u3002<\/p>\n\n\n\n

\n\n\n\n

\u4e94\u3001\u4e3a\u4ec0\u4e48 CGL \u7279\u522b\u5173\u5fc3 Contractual Liability\uff1f<\/h1>\n\n\n\n

\u56e0\u4e3a CGL \u7684\u57fa\u672c\u903b\u8f91\u662f\uff1a<\/p>\n\n\n\n

\n

\u4fdd\u9669\u516c\u53f8\u4e0d\u662f\u4e3a\u4e86\u66ff\u4f60\u627f\u62c5\u6240\u6709\u4f60\u5728\u5408\u540c\u91cc\u4e3b\u52a8\u7b54\u5e94\u627f\u62c5\u7684\u8d23\u4efb\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u6240\u4ee5 CGL \u6709\uff1a<\/p>\n\n\n\n

\n

Contractual Liability exclusion<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u4f46\u8fd9\u91cc\u6709\u4e00\u4e2a\u8d85\u7ea7\u91cd\u8981\u7684\u9677\u9631\uff1a<\/p>\n\n\n\n

\u4e0d\u662f\uff1a<\/h3>\n\n\n\n
\n

\u201cContract = never covered.\u201d<\/p>\n<\/blockquote>\n\n\n\n

❌<\/p>\n\n\n\n

CGL \u5bf9\u67d0\u4e9b\u7b26\u5408\u5b9a\u4e49\u7684\uff1a<\/p>\n\n\n\n

\n

Insured Contract<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u5b58\u5728\u4f8b\u5916\/\u8986\u76d6\u673a\u5236\u3002<\/p>\n\n\n\n

\u6240\u4ee5\u8003\u8bd5\u4e0d\u80fd\u770b\u5230\uff1a<\/p>\n\n\n\n

\n

\u201ccontract\u201d<\/p>\n<\/blockquote>\n\n\n\n

\u5c31\u9a6c\u4e0a\u9009\u62e9\uff1a<\/p>\n\n\n\n

\n

\u201cexcluded.\u201d<\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u516d\u3001\u4ec0\u4e48\u53eb Insured Contract\uff1f<\/h1>\n\n\n\n

\u8fd9\u662f CGL \u975e\u5e38\u91cd\u8981\u7684\u6982\u5ff5\u3002<\/p>\n\n\n\n

\u7b80\u5355\u7406\u89e3\uff1a<\/p>\n\n\n\n

\n

\u67d0\u4e9b\u7279\u5b9a\u7c7b\u578b\u7684\u5408\u540c\uff0cCGL \u4f1a\u628a\u5b83\u4eec\u5b9a\u4e49\u4e3a Insured Contract<\/strong>\uff0c\u4ece\u800c\u5728\u7b26\u5408\u6761\u4ef6\u65f6\u5bf9\u5408\u540c\u8d23\u4efb\u63d0\u4f9b\u4e00\u5b9a\u4fdd\u969c\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

Lease of premises
Easement or license agreements
Certain agreements where liability is assumed by contract<\/p>\n<\/blockquote>\n\n\n\n

\u5177\u4f53\u8981\u770b\u4fdd\u5355 wording\u3002<\/p>\n\n\n\n

\n\n\n\n

\u4e03\u3001\u4e00\u4e2a\u975e\u5e38\u5178\u578b\u7684\u4f8b\u5b50<\/h1>\n\n\n\n

\u5047\u8bbe\uff1a<\/p>\n\n\n\n

\n

ABC Restaurant \u79df\u4e86\u4e00\u4e2a\u5546\u4e1a\u7269\u4e1a\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u79df\u7ea6\u89c4\u5b9a\uff1a<\/p>\n\n\n\n

\n

Restaurant \u5bf9\u67d0\u4e9b\u4e0e\u5176\u4f7f\u7528\u573a\u6240\u76f8\u5173\u7684 liability \u627f\u62c5\u8d23\u4efb\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u4e4b\u540e\uff1a<\/p>\n\n\n\n

\n

Restaurant \u7684\u5458\u5de5\u4e0d\u5c0f\u5fc3\u628a\u6c34\u6d12\u5728\u516c\u5171\u533a\u57df
\u2193
Customer \u6ed1\u5012
\u2193
Customer \u8d77\u8bc9 Landlord<\/p>\n<\/blockquote>\n\n\n\n

Landlord\uff1a<\/p>\n\n\n\n

\n

\u201c\u6839\u636e\u79df\u7ea6\uff0c\u4f60\u5e94\u8be5\u627f\u62c5\u8fd9\u4e2a\u8d23\u4efb\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n

Restaurant \u7684 CGL \u662f\u5426\u4e00\u5b9a\u62d2\u8d54\uff1f<\/p>\n\n\n\n

❌ \u4e0d\u80fd\u7b80\u5355\u56de\u7b54\u201c\u62d2\u8d54\u201d\u3002<\/h3>\n\n\n\n

\u5fc5\u987b\u7ee7\u7eed\u770b\uff1a<\/p>\n\n\n\n

\n

\u8fd9\u4e2a\u5408\u540c\u662f\u5426\u5c5e\u4e8e Insured Contract\uff1f<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\u4ee5\u53ca\uff1a<\/p>\n\n\n\n

\n

\u9020\u6210 liability \u7684\u4e8b\u5b9e\u662f\u4ec0\u4e48\uff1f<\/strong><\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u516b\u3001Contractual Liability vs Negligence<\/h1>\n\n\n\n

\u8fd9\u4e2a\u533a\u522b\u975e\u5e38\u91cd\u8981\u3002<\/p>\n\n\n\n

Negligence<\/h3>\n\n\n\n
\n

\u6211\u56e0\u4e3a\u81ea\u5df1\u7684\u884c\u4e3a\u4e0d\u5c0f\u5fc3\u9020\u6210\u635f\u5931\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

Restaurant \u5458\u5de5\u628a\u6c34\u6d12\u5728\u5730\u4e0a
\u2193
Customer \u6454\u5012<\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

Contractual Liability<\/h3>\n\n\n\n
\n

\u6211\u5728\u5408\u540c\u91cc\u7b54\u5e94\u627f\u62c5\u67d0\u79cd\u8d23\u4efb\u3002<\/p>\n<\/blockquote>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

Restaurant \u6839\u636e\u79df\u7ea6\u627f\u62c5 landlord \u67d0\u4e9b\u8d23\u4efb\u3002<\/p>\n<\/blockquote>\n\n\n\n

\n\n\n\n

\u4e24\u8005\u53ef\u4ee5\u540c\u65f6\u5b58\u5728\uff01<\/h3>\n\n\n\n

\u4f8b\u5982\uff1a<\/p>\n\n\n\n

\n

Contractor negligently causes a fire.<\/p>\n<\/blockquote>\n\n\n\n

\u540c\u65f6\uff1a<\/p>\n\n\n\n

\n

Contractor has a contract requiring it to indemnify the property owner.<\/p>\n<\/blockquote>\n\n\n\n

\u4e8e\u662f\uff1a<\/p>\n\n\n\n

Negligence<\/strong><\/p>\n\n\n\n

    \n
  • <\/li>\n<\/ul>\n\n\n\n

    Contractual obligation<\/strong><\/p>\n\n\n\n

    \u53ef\u80fd\u540c\u65f6\u51fa\u73b0\u3002<\/p>\n\n\n\n

    \n\n\n\n

    \u4e5d\u3001\u975e\u5e38\u91cd\u8981\uff1aContractual Liability \u2260 Breach of Contract<\/h1>\n\n\n\n

    \u8fd9\u4e24\u4e2a\u4e5f\u4e0d\u8981\u6df7\u3002<\/p>\n\n\n\n

    Breach of Contract<\/h3>\n\n\n\n

    \u4f8b\u5982\uff1a<\/p>\n\n\n\n

    \n

    Contractor \u7b54\u5e94 6 \u6708 1 \u65e5\u5b8c\u6210\u5de5\u7a0b\u3002<\/p>\n<\/blockquote>\n\n\n\n

    \u7ed3\u679c\uff1a<\/p>\n\n\n\n

    \n

    6 \u6708 30 \u65e5\u624d\u5b8c\u6210\u3002<\/p>\n<\/blockquote>\n\n\n\n

    \u8fd9\u662f\uff1a<\/p>\n\n\n\n

    \n

    Breach of Contract<\/strong><\/p>\n<\/blockquote>\n\n\n\n

    \u4f46\u8fd9\u5e76\u4e0d\u81ea\u52a8\u610f\u5473\u7740\uff1a<\/p>\n\n\n\n

    \n

    CGL \u4f1a\u8d54\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n

    \n\n\n\n

    Contractual Liability<\/h3>\n\n\n\n

    \u91cd\u70b9\u662f\uff1a<\/p>\n\n\n\n

    \n

    \u56e0\u5408\u540c\u627f\u62c5\u67d0\u79cd\u7b2c\u4e09\u65b9\u6cd5\u5f8b\u8d23\u4efb\/\u8d54\u507f\u4e49\u52a1<\/strong>\u3002<\/p>\n<\/blockquote>\n\n\n\n

    \u8fd9\u4e0e\u5355\u7eaf\u7684\uff1a<\/p>\n\n\n\n

    \n

    \u201c\u4f60\u6ca1\u6709\u6309\u5408\u540c\u628a\u4e8b\u60c5\u505a\u597d\u201d<\/p>\n<\/blockquote>\n\n\n\n

    \u4e0d\u662f\u4e00\u56de\u4e8b\u3002<\/p>\n\n\n\n

    \n\n\n\n

    🔥 \u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u4f8b\u5b50<\/h1>\n\n\n\n

    \u88c5\u4fee\u516c\u53f8\uff1a<\/p>\n\n\n\n

    \n

    \u5408\u540c\u89c4\u5b9a 30 \u5929\u5b8c\u5de5\u3002<\/p>\n<\/blockquote>\n\n\n\n

    \u7ed3\u679c\uff1a<\/p>\n\n\n\n

    \n

    60 \u5929\u624d\u5b8c\u5de5\u3002<\/p>\n<\/blockquote>\n\n\n\n

    \u5ba2\u6237\u635f\u5931\uff1a<\/p>\n\n\n\n

    \n

    $20,000 \u5ef6\u8bef\u635f\u5931\u3002<\/p>\n<\/blockquote>\n\n\n\n

    \u8fd9\u662f\u5178\u578b\uff1a<\/p>\n\n\n\n

    \n

    Breach of Contract<\/strong><\/p>\n<\/blockquote>\n\n\n\n

    \u800c\u4e0d\u662f\u7b80\u5355\u7684\uff1a<\/p>\n\n\n\n

    \n

    CGL Bodily Injury \/ Property Damage claim.<\/p>\n<\/blockquote>\n\n\n\n

    \u6240\u4ee5\uff1a<\/p>\n\n\n\n

    \n

    CGL \u2260 Performance Guarantee<\/strong><\/p>\n<\/blockquote>\n\n\n\n

    \u4fdd\u9669\u901a\u5e38\u4e0d\u662f\u7528\u6765\u4fdd\u8bc1\uff1a<\/p>\n\n\n\n

    \n

    \u201c\u4f60\u4e00\u5b9a\u6309\u5408\u540c\u628a\u5de5\u4f5c\u505a\u597d\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n

    \n\n\n\n

    \u5341\u3001RIBO \u8003\u8bd5\u53e3\u8bc0<\/h1>\n\n\n\n

    \u770b\u5230\uff1a<\/p>\n\n\n\n

    \u201cContract\u201d<\/h3>\n\n\n\n

    \u5148\u4e0d\u8981\u6025\u7740\u9009 Excluded\u3002<\/p>\n\n\n\n

    \u5148\u95ee\uff1a<\/p>\n\n\n\n

    \n

    What kind of liability?<\/strong><\/p>\n<\/blockquote>\n\n\n\n

    \u7136\u540e\uff1a<\/p>\n\n\n\n

    \u2460 \u53ea\u662f\u5408\u540c\u6ca1\u5c65\u884c\uff1f<\/h3>\n\n\n\n

    \u2192 Breach of Contract<\/strong><\/p>\n\n\n\n

    \u2461 \u5408\u540c\u8ba9\u88ab\u4fdd\u9669\u4eba\u627f\u62c5\u7b2c\u4e09\u65b9\u8d23\u4efb\uff1f<\/h3>\n\n\n\n

    \u2192 Contractual Liability<\/strong><\/p>\n\n\n\n

    \u2462 \u662f\u4e0d\u662f Insured Contract\uff1f<\/h3>\n\n\n\n

    \u2192 \u68c0\u67e5 CGL \u5b9a\u4e49\u548c\u9002\u7528\u4f8b\u5916<\/strong><\/p>\n\n\n\n

    \n\n\n\n

    🧠 \u4e00\u5f20\u56fe<\/h1>\n\n\n\n
                 CONTRACT\n                 \u2502\n       \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2534\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n       \u2193                   \u2193\nBreach of Contract   Contractual Liability\n\u5408\u540c\u6ca1\u505a\u597d            \u5408\u540c\u627f\u62c5\u8d23\u4efb\n       \u2502                   \u2502\n       \u2193                   \u2193\n\u4f8b\u5982\u5ef6\u8fdf\u5b8c\u5de5          Indemnify \/ Hold Harmless\n       \u2502                   \u2502\n       \u2193                   \u2193\n   \u4e0d\u7b49\u4e8e CGL          \u68c0\u67e5 Insured Contract\n   \u81ea\u52a8\u8d54\u4ed8<\/code><\/pre>\n\n\n\n
    \n\n\n\n
    🎯 \u73b0\u5728\u6765 8 \u9053 RIBO \u9677\u9631\u9898<\/h1>\n\n\n\n
    1.<\/h3>\n\n\n\n
    A contractor agrees by contract to indemnify a property owner for certain claims arising from the contractor’s operations. This is an example of:<\/p>\n\n\n\n
    A. Subrogation
    B. Contractual liability
    <\/mark><\/strong>C. Contribution
    D. Contributory negligence<\/p>\n\n\n\n
    \n\n\n\n
    2.<\/h3>\n\n\n\n
    A contractor promises to complete a renovation by June 1 but does not finish until July 15. The homeowner suffers financial loss because of the delay.<\/p>\n\n\n\n
    This is MOST directly an example of:<\/p>\n\n\n\n
    A. Breach of contract
    <\/mark><\/strong>B. Subrogation
    C. Occupiers’ liability
    D. Vicarious liability<\/p>\n\n\n\n
    \n\n\n\n
    3. ⭐<\/h3>\n\n\n\n
    Which statement is MOST accurate?<\/p>\n\n\n\n
    A. All contractual liability is automatically excluded under every CGL policy.
    B. Any claim involving a contract is automatically covered by CGL.
    C. CGL policies generally contain a contractual liability exclusion, but exceptions may apply for certain Insured Contracts.
    <\/mark><\/strong>D. CGL policies exist primarily to guarantee contractual performance.<\/p>\n\n\n\n
    \n\n\n\n
    4.<\/h3>\n\n\n\n
    A restaurant signs a lease containing an agreement under which the restaurant assumes certain liability of the landlord. The restaurant’s CGL policy may respond depending on whether:<\/p>\n\n\n\n
    A. The restaurant owns the building.
    B. The agreement qualifies as an Insured Contract and other policy conditions are met.
    <\/mark>C. The landlord has no insurance.
    D. The restaurant has made a profit.<\/p>\n\n\n\n
    \n\n\n\n
    5. ⭐⭐<\/h3>\n\n\n\n
    Which BEST describes an indemnity agreement?<\/p>\n\n\n\n
    A. An agreement to share insurance premiums.
    B. An agreement under which one party agrees to compensate another for specified losses or liabilities.
    <\/strong><\/mark>C. An agreement to cancel an insurance policy.
    D. An agreement transferring ownership of property.<\/p>\n\n\n\n
    \n\n\n\n
    6.<\/h3>\n\n\n\n
    A contractor negligently damages a third party’s property while performing work. The contractor also has a contract requiring it to indemnify the property owner for certain claims.<\/p>\n\n\n\n
    Which statement is MOST accurate?<\/p>\n\n\n\n
    A. Only contractual liability can exist.
    B. Only negligence can exist.
    C. Both negligence and contractual obligations may be relevant.
    <\/mark><\/strong>D. Neither can exist because the contractor has insurance.<\/p>\n\n\n\n
    \n\n\n\n
    7. 🔥<\/h3>\n\n\n\n
    A business agrees in a contract to guarantee that its product will perform perfectly for five years. The product fails to perform as promised, but there is no bodily injury or property damage.<\/p>\n\n\n\n
    Which statement is MOST accurate?<\/p>\n\n\n\n
    A. CGL automatically guarantees the contractual promise.
    B. This is primarily a contractual performance issue, not automatically a CGL claim.
    <\/mark><\/strong>C. It is automatically covered because a contract exists.
    D. It is automatically covered under the Products-Completed Operations section.<\/p>\n\n\n\n
    \n\n\n\n
    8. 🔥🔥<\/h3>\n\n\n\n
    A contractor’s employee accidentally damages a customer’s building while performing renovation work. The customer sues the contractor for property damage. Separately, the contractor has a contractual agreement to indemnify the building owner for certain claims.<\/p>\n\n\n\n
    Which statement is MOST accurate?<\/p>\n\n\n\n
    A. The existence of the contract automatically excludes all coverage.
    B. The claim may involve both negligence\/property damage and contractual liability issues; the policy wording must be examined.<\/mark><\/strong>
    C. The contractor cannot be liable because the employee caused the damage.
    D. The claim is automatically a breach-of-contract claim.<\/p>\n\n\n\n
    \u4f60\u76f4\u63a5\u7b54\uff1a<\/p>\n\n\n\n
    \u8fd9\u7ec4\u4f60\u5df2\u7ecf\u628a Contractual Liability<\/strong> \u7684\u6838\u5fc3\u6982\u5ff5\u638c\u63e1\u4f4f\u4e86\u3002\u5c24\u5176\u7b2c 3\u30017\u30018<\/strong> \u9898\uff0c\u662f\u6700\u5bb9\u6613\u88ab CGL \u7684\u201ccontract\u201d\u5b57\u773c\u5e26\u504f\u7684\u5730\u65b9\uff0c\u4f60\u90fd\u7b54\u5bf9\u4e86\u3002<\/p>\n\n\n\n
    \u9010\u9898\u786e\u8ba4<\/h3>\n\n\n\n
    \u9898\u76ee<\/th>\u4f60\u7684\u7b54\u6848<\/th>\u6b63\u786e<\/th>\u6838\u5fc3\u8003\u70b9<\/th><\/tr><\/thead>
    1<\/td>B<\/td>✅<\/td>Indemnity = Contractual Liability<\/td><\/tr>
    2<\/td>A<\/td>✅<\/td>\u672a\u6309\u5408\u540c\u5b8c\u6210 \u2192 Breach of Contract<\/td><\/tr>
    3<\/td>C<\/td>✅<\/td>Contractual Liability exclusion + Insured Contract<\/td><\/tr>
    4<\/td>B<\/td>✅<\/td>\u8981\u770b\u662f\u5426\u5c5e\u4e8e Insured Contract<\/td><\/tr>
    5<\/td>B<\/td>✅<\/td>Indemnity = \u5bf9\u7279\u5b9a\u635f\u5931\/\u8d23\u4efb\u8fdb\u884c\u8865\u507f<\/td><\/tr>
    6<\/td>C<\/td>✅<\/td>Negligence + Contractual obligation \u53ef\u4ee5\u540c\u65f6\u5b58\u5728<\/td><\/tr>
    7<\/td>B<\/td>✅<\/td>CGL \u4e0d\u662f\u5408\u540c\u5c65\u7ea6\u4fdd\u8bc1<\/td><\/tr>
    8<\/td>B<\/td>✅<\/td>\u8981\u533a\u5206 Negligence\u3001Property Damage\u3001Contractual Liability<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
    \u5148\u62ff\u521a\u624d\u7b2c 8 \u9898\u6d4b\u8bd5\u4e00\u4e0b<\/h2>\n\n\n\n
    \n
    A contractor’s employee accidentally damages a customer’s building while performing renovation work. The customer sues the contractor for property damage. The contractor also has a contract requiring it to indemnify the building owner for certain claims.<\/p>\n<\/blockquote>\n\n\n\n
    \u4e0d\u8981\u770b\u9009\u62e9\u9898\u3002<\/p>\n\n\n\n
    \u4f60\u544a\u8bc9\u6211\uff1a<\/p>\n\n\n\n
    \u2460 Contractor \u6709\u6ca1\u6709\u53ef\u80fd\u627f\u62c5\u8d23\u4efb\uff1f<\/h3>\n\n\n\n
    \u2461 Employee \u6709\u6ca1\u6709\u53ef\u80fd\u627f\u62c5\u8d23\u4efb\uff1f<\/h3>\n\n\n\n
    \u2462 \u8fd9\u91cc\u6709\u6ca1\u6709 Negligence<\/strong>\uff1f<\/h3>\n\n\n\n
    \u2463 \u8fd9\u91cc\u6709\u6ca1\u6709 Contractual Liability<\/strong>\uff1f<\/h3>\n\n\n\n
    \u2464 Customer \u7684 Property Damage<\/strong> \u662f\u5426\u53ef\u80fd\u5c5e\u4e8e CGL \u8981\u5904\u7406\u7684\u98ce\u9669\uff1f<\/h3>\n\n\n\n
    \u4f60\u53ef\u4ee5\u7528\u81ea\u5df1\u7684\u8bdd\u56de\u7b54\uff0c\u4e0d\u9700\u8981\u4e13\u4e1a\u82f1\u6587\u3002<\/p>\n\n\n\n
    \u8fd9\u6b21\u6211\u4e0d\u770b\u4f60\u9009 A\/B\/C\/D\uff0c\u800c\u662f\u770b\u4f60\u662f\u4e0d\u662f\u771f\u7684\u7406\u89e3\u3002<\/strong><\/p>\n\n\n\n
    Contractor \u662f\u9700\u8981\u627f\u62c5\u8d23\u4efb\u7684\u3002 Employee \u5e94\u8be5\u4e0d\u7528\u4e2a\u4eba\u627f\u62c5\uff0c\u5e94\u8be5\u662f\u516c\u53f8\u7ed9\u627f\u62c5\u4e86\u3002<\/p>\n\n\n\n
    \u5bf9\uff0c\u4f60\u7684\u7b2c\u4e00\u53e5\u57fa\u672c\u6b63\u786e<\/strong>\uff0c\u4f46\u7b2c\u4e8c\u53e5\u8fd9\u91cc\u9700\u8981\u7ea0\u6b63\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u6982\u5ff5\u3002\u8fd9\u4e2a\u70b9\u4ee5\u540e\u5728 RIBO \u8003\u8bd5\u91cc\u5f88\u5bb9\u6613\u51fa\u9677\u9631\u3002<\/p>\n\n\n\n
    \u2460 Contractor \u662f\u5426\u627f\u62c5\u8d23\u4efb\uff1f<\/h2>\n\n\n\n
    \u662f\u7684\uff0c\u53ef\u80fd\u627f\u62c5\u8d23\u4efb\u3002<\/strong> ✅<\/p>\n\n\n\n
    \u56e0\u4e3a\uff1a<\/p>\n\n\n\n
    \n
    Employee \u5728\u6267\u884c\u88c5\u4fee\u5de5\u4f5c\u65f6
    \u2192 \u4e0d\u5c0f\u5fc3\u635f\u574f\u5ba2\u6237\u5efa\u7b51\u7269
    \u2192 \u5c5e\u4e8e\u5de5\u4f5c\u4e2d\u7684 Negligence<\/p>\n<\/blockquote>\n\n\n\n
    \u56e0\u6b64\uff1a<\/p>\n\n\n\n
    \n
    Employee \u7684 Negligence \u2192 Employer\/Contractor \u53ef\u80fd\u627f\u62c5 Vicarious Liability<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \n\n\n\n
    \u2461 Employee \u81ea\u5df1\u662f\u4e0d\u662f\u201c\u4e0d\u9700\u8981\u627f\u62c5\u8d23\u4efb\u201d\uff1f<\/h2>\n\n\n\n
    \u8fd9\u91cc\u4f60\u7684\u7406\u89e3\u9700\u8981\u8c03\u6574\uff1a<\/p>\n\n\n\n
    \n
    ❌ \u4e0d\u662f\u56e0\u4e3a\u516c\u53f8\u627f\u62c5\u8d23\u4efb\uff0c\u6240\u4ee5 Employee \u5c31\u4e0d\u7528\u627f\u62c5\u4e2a\u4eba\u8d23\u4efb\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u6b63\u786e\u7406\u89e3\u662f\uff1a<\/p>\n\n\n\n
    \n
    Employee \u81ea\u5df1\u7684 Negligence \u4ecd\u7136\u53ef\u80fd\u8ba9 Employee \u672c\u4eba\u627f\u62c5\u6cd5\u5f8b\u8d23\u4efb\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u540c\u65f6\uff1a<\/p>\n\n\n\n
    \n
    Employer \u4e5f\u53ef\u80fd\u56e0\u4e3a Vicarious Liability \u627f\u62c5\u8d23\u4efb\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u6240\u4ee5\u53ef\u4ee5\u540c\u65f6\u5b58\u5728\uff1a<\/p>\n\n\n\n
    Employee \u2192 Negligence<\/strong><\/p>\n\n\n\n
    \u2193<\/p>\n\n\n\n
    Employer \u2192 Vicarious Liability<\/strong><\/p>\n\n\n\n
    \n\n\n\n
    \u4e3e\u4e2a\u7b80\u5355\u4f8b\u5b50<\/h3>\n\n\n\n
    \u5458\u5de5 Bob\uff1a<\/p>\n\n\n\n
    \n
    \u88c5\u4fee\u65f6\u64cd\u4f5c\u4e0d\u5f53
    \u2193
    \u628a\u5ba2\u6237\u4ef7\u503c $20,000 \u7684\u73bb\u7483\u5899\u649e\u574f<\/p>\n<\/blockquote>\n\n\n\n
    \u90a3\u4e48\uff1a<\/p>\n\n\n\n
    Bob\uff1a<\/strong><\/p>\n\n\n\n
    \n
    \u201c\u662f\u6211\u64cd\u4f5c\u4e0d\u5f53\u9020\u6210\u7684\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n
    \u53ef\u80fd\u627f\u62c5\u81ea\u5df1\u7684 Negligence liability\u3002<\/p>\n\n\n\n
    \u540c\u65f6\uff1a<\/p>\n\n\n\n
    Contractor \u516c\u53f8\uff1a<\/strong><\/p>\n\n\n\n
    \n
    \u201cBob \u662f\u6211\u7684\u5458\u5de5\uff0c\u800c\u4e14\u5f53\u65f6\u6b63\u5728\u6267\u884c\u5de5\u4f5c\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n
    \u516c\u53f8\u53ef\u80fd\u627f\u62c5\uff1a<\/p>\n\n\n\n
    \n
    Vicarious Liability<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \n\n\n\n
    ⚠️ \u4f46\u8fd9\u91cc\u6709\u4e00\u4e2a\u4fdd\u9669\u5c42\u9762\u7684\u533a\u522b<\/h1>\n\n\n\n
    \u5373\u4f7f\uff1a<\/p>\n\n\n\n
    \n
    Employee \u548c Employer \u90fd\u53ef\u80fd\u6709\u6cd5\u5f8b\u8d23\u4efb<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u4e5f\u4e0d\u4ee3\u8868\uff1a<\/p>\n\n\n\n
    \n
    \u4e24\u4e2a\u4eba\u90fd\u4f1a\u88ab\u4fdd\u9669\u516c\u53f8\u6309\u7167\u5b8c\u5168\u76f8\u540c\u7684\u65b9\u5f0f\u5904\u7406\u3002<\/p>\n<\/blockquote>\n\n\n\n
    \u4f8b\u5982 CGL \u91cc\u9762\uff1a<\/p>\n\n\n\n
    \n
    Employee \u901a\u5e38\u53ef\u80fd\u5c5e\u4e8e insured \u7684\u5b9a\u4e49\u8303\u56f4<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u5177\u4f53\u8981\u770b\u4fdd\u5355 wording\u3002<\/p>\n\n\n\n
    \u6240\u4ee5 RIBO \u8003\u8bd5\u4e0d\u8981\u628a\uff1a<\/p>\n\n\n\n
    \n
    Legal Liability<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u548c\uff1a<\/p>\n\n\n\n
    \n
    Who is insured under the policy<\/strong><\/p>\n<\/blockquote>\n\n\n\n
    \u6df7\u5728\u4e00\u8d77\u3002<\/p>\n\n\n\n
    \n\n\n\n
    🔥 \u4f60\u521a\u624d\u5b9e\u9645\u4e0a\u66b4\u9732\u4e86\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u6df7\u6dc6\u70b9<\/h1>\n\n\n\n
    \u4f60\u8111\u5b50\u91cc\u7684\u903b\u8f91\u53ef\u80fd\u662f\uff1a<\/p>\n\n\n\n
    \n
    Employee \u72af\u9519
    \u2193
    Company \u8d1f\u8d23
    \u2193
    Employee \u4e0d\u8d1f\u8d23<\/p>\n<\/blockquote>\n\n\n\n
    \u5e94\u8be5\u6539\u6210\uff1a<\/p>\n\n\n\n
    \n
    Employee \u72af\u9519<\/strong><\/p>\n\n\n\n
    \u2193<\/p>\n\n\n\n
    Employee \u53ef\u80fd\u6709\u4e2a\u4eba Negligence<\/strong><\/p>\n\n\n\n
      \n
    • <\/li>\n<\/ul>\n\n\n\n
      Employer \u53ef\u80fd\u627f\u62c5 Vicarious Liability<\/strong><\/p>\n\n\n\n
      \u2193<\/p>\n\n\n\n
      \u518d\u770b\u4fdd\u9669 Policy \u8c01\u5c5e\u4e8e Insured<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \u8fd9\u4e09\u4e2a\u5c42\u6b21\u8981\u5206\u5f00\u3002<\/p>\n\n\n\n
      \n\n\n\n
      \u518d\u7ed9\u4f60\u4e00\u4e2a\u5c0f\u6d4b\u8bd5\uff0c\u4e0d\u7528\u9009\u62e9\u9898<\/h2>\n\n\n\n
      \u6848\u4f8b\uff1a<\/h3>\n\n\n\n
      ABC Renovation \u7684\u5458\u5de5 John \u5728\u5de5\u4f5c\u65f6\u95f4\u88c5\u4fee\u5ba2\u6237\u623f\u5c4b\u3002<\/p>\n\n\n\n
      John \u56e0\u4e3a\u758f\u5ffd\uff1a<\/p>\n\n\n\n
      \n
      \u628a\u5ba2\u6237\u7684\u5899\u6253\u7a7f\uff0c\u9020\u6210 $10,000 Property Damage\u3002<\/p>\n<\/blockquote>\n\n\n\n
      \u5ba2\u6237\u8d77\u8bc9 ABC Renovation\u3002<\/p>\n\n\n\n
      \u8bf7\u4f60\u56de\u7b54\uff1a<\/p>\n\n\n\n
      A. John \u7684\u884c\u4e3a\u5c5e\u4e8e\u4ec0\u4e48\uff1f<\/strong><\/p>\n\n\n\n
      B. ABC Renovation \u53ef\u80fd\u627f\u62c5\u4ec0\u4e48\u8d23\u4efb\uff1f<\/strong><\/p>\n\n\n\n
      C. \u8fd9\u662f\u4e0d\u662f Vicarious Liability\uff1f<\/strong><\/p>\n\n\n\n
      D. \u8fd9\u4e2a $10,000 \u7684\u635f\u574f\u6709\u6ca1\u6709\u53ef\u80fd\u6d89\u53ca CGL\uff1f<\/strong><\/p>\n\n\n\n
      \u8fd9\u6b21\u4f60\u7528\u81ea\u5df1\u7684\u8bdd\u7b54\uff0c\u6211\u5e2e\u4f60\u5224\u65ad\u6bcf\u4e00\u5c42\u3002<\/p>\n\n\n\n
      A \uff1a JOHn\u7684\u884c\u4e3a\u5c5e\u4e8e \u758f\u5ffd\u8fc7\u5931 B \uff1aABC Renovation \u9700\u8981\u8d1f\u8d23\u8d54\u507f\u635f\u5931 C \uff1a \u662f\u5c5e\u4e8e Vicarious Liability D \uff1a \u5c5e\u4e8e Property Damage \uff0c\u4f1a\u6d89\u53ca\u5230CGL<\/p>\n\n\n\n
      \u975e\u5e38\u597d\uff0c\u8fd9\u6b21\u57fa\u672c\u4e0a 4 \u4e2a\u90fd\u7b54\u5bf9\u4e86<\/strong>\u3002👍
      \u4e0d\u8fc7\u7b2c D \u9879\u6211\u8981\u5e2e\u4f60\u52a0\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684 RIBO \u4fdd\u9669\u5c42\u9762\u7684\u201c\u4f46\u662f\u201d\u3002<\/p>\n\n\n\n
      A. John \u7684\u884c\u4e3a\u5c5e\u4e8e\u758f\u5ffd\u8fc7\u5931<\/h3>\n\n\n\n
      ✅ \u6b63\u786e<\/strong><\/p>\n\n\n\n
      \u8fd9\u662f\uff1a<\/p>\n\n\n\n
      \n
      Negligence<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      John \u5728\u6267\u884c\u5de5\u4f5c\u8fc7\u7a0b\u4e2d\uff0c\u56e0\u4e3a\u758f\u5ffd\u9020\u6210\u5ba2\u6237\u7684 Property Damage\u3002<\/p>\n\n\n\n
      \n\n\n\n
      B. ABC Renovation \u9700\u8981\u8d1f\u8d23\u8d54\u507f<\/h3>\n\n\n\n
      ✅ \u57fa\u672c\u6b63\u786e<\/strong><\/p>\n\n\n\n
      ABC Renovation \u53ef\u80fd\u56e0\u4e3a John \u7684\u884c\u4e3a\u627f\u62c5\uff1a<\/p>\n\n\n\n
      \n
      Vicarious Liability<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \u4f46\u8003\u8bd5\u4e2d\u6700\u597d\u4e0d\u8981\u76f4\u63a5\u8bf4\uff1a<\/p>\n\n\n\n
      \n
      \u201cABC \u4e00\u5b9a\u8981\u8d54\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n
      \u5e94\u8be5\u8bf4\uff1a<\/p>\n\n\n\n
      \n
      ABC Renovation may be legally liable.<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \u56e0\u4e3a\u6700\u7ec8\u8fd8\u8981\u770b\u5177\u4f53\u4e8b\u5b9e\u548c\u6cd5\u5f8b\u8d23\u4efb\u662f\u5426\u6210\u7acb\u3002<\/p>\n\n\n\n
      \n\n\n\n
      C. \u5c5e\u4e8e Vicarious Liability<\/h3>\n\n\n\n
      ✅ \u6b63\u786e<\/strong><\/p>\n\n\n\n
      \u8fd9\u662f\u8fd9\u4e2a\u6848\u4f8b\u7684\u6838\u5fc3\u3002<\/p>\n\n\n\n
      \u903b\u8f91\uff1a<\/p>\n\n\n\n
      \n
      John \u662f Employee
      \u2193
      \u5728\u5de5\u4f5c\u8fc7\u7a0b\u4e2d
      \u2193
      John Negligence
      \u2193
      Employer \u53ef\u80fd\u627f\u62c5 Vicarious Liability<\/p>\n<\/blockquote>\n\n\n\n
      \n\n\n\n
      D. Property Damage\uff0c\u4f1a\u6d89\u53ca CGL<\/h3>\n\n\n\n
      🟡 \u524d\u534a\u53e5\u5b8c\u5168\u6b63\u786e\uff0c\u540e\u534a\u53e5\u9700\u8981\u66f4\u8c28\u614e\u3002<\/strong><\/p>\n\n\n\n
      \u786e\u5b9e\uff1a<\/p>\n\n\n\n
      \n
      \u5ba2\u6237\u7684\u5efa\u7b51\u7269\u635f\u574f = Property Damage<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \u800c\u4e14\u8fd9\u662f CGL \u53ef\u80fd\u6d89\u53ca\u7684\u98ce\u9669\u3002<\/p>\n\n\n\n
      \u4f46\u662f\uff1a<\/p>\n\n\n\n
      \n
      Property Damage \u2260 CGL automatically pays<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \u8fd8\u5fc5\u987b\u7ee7\u7eed\u68c0\u67e5\uff1a<\/p>\n\n\n\n
      CGL Coverage<\/h3>\n\n\n\n
      \u2193<\/p>\n\n\n\n
      Is there an Occurrence?<\/h3>\n\n\n\n
      \u2193<\/p>\n\n\n\n
      Is the Property Damage covered?<\/h3>\n\n\n\n
      \u2193<\/p>\n\n\n\n
      \u6709\u6ca1\u6709 Exclusion\uff1f<\/h3>\n\n\n\n
      \u2193<\/p>\n\n\n\n
      Deductible \/ Limit \/ Conditions<\/h3>\n\n\n\n
      \u7279\u522b\u662f\u88c5\u4fee\u884c\u4e1a\uff0c\u9a6c\u4e0a\u4f1a\u78b0\u5230\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u9677\u9631\uff1a<\/p>\n\n\n\n
      \n
      \u201cYour Work\u201d Exclusion<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \n\n\n\n
      🔥 \u8fd9\u5c31\u662f\u6211\u4eec\u4e0b\u4e00\u6b65\u4e3a\u4ec0\u4e48\u8981\u5b66 CGL Exclusions<\/h1>\n\n\n\n
      \u6bd4\u5982\u73b0\u5728\u628a\u6848\u4f8b\u6539\u4e00\u4e0b\uff1a<\/p>\n\n\n\n
      Case 1<\/h3>\n\n\n\n
      John \u88c5\u4fee\u5ba2\u6237\u7684\u623f\u5b50\u65f6\uff1a<\/p>\n\n\n\n
      \n
      \u4e0d\u5c0f\u5fc3\u628a\u5ba2\u6237\u539f\u6765\u7684\u5899\u6253\u7a7f\u3002<\/p>\n<\/blockquote>\n\n\n\n
      \u8fd9\u662f\uff1a<\/p>\n\n\n\n
      \n
      Damage to someone else’s property<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \u901a\u5e38\u66f4\u5bb9\u6613\u8fdb\u5165 CGL \u7684\u8ba8\u8bba\u3002<\/p>\n\n\n\n
      \n\n\n\n
      Case 2<\/h3>\n\n\n\n
      John \u6b63\u5728\u7ed9\u5ba2\u6237\u5b89\u88c5\u4e00\u6247\u65b0\u95e8\u3002<\/p>\n\n\n\n
      \u7ed3\u679c\uff1a<\/p>\n\n\n\n
      \n
      \u65b0\u95e8\u5b89\u88c5\u9519\u8bef\uff0c\u95e8\u672c\u8eab\u9700\u8981\u91cd\u65b0\u505a\u3002<\/p>\n<\/blockquote>\n\n\n\n
      \u8fd9\u65f6\u5019\u5c31\u4e0d\u80fd\u7b80\u5355\u8bf4\uff1a<\/p>\n\n\n\n
      \n
      \u201cProperty Damage \u2192 CGL pays.\u201d<\/p>\n<\/blockquote>\n\n\n\n
      \u56e0\u4e3a\u53ef\u80fd\u6d89\u53ca\uff1a<\/p>\n\n\n\n
      \n
      Your Work exclusion<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \n\n\n\n
      Case 3<\/h3>\n\n\n\n
      \u88c5\u4fee\u516c\u53f8\u5b8c\u6210\u5de5\u7a0b\u540e\uff1a<\/p>\n\n\n\n
      \n
      \u5de5\u7a0b\u672c\u8eab\u6709\u7f3a\u9677\uff0c\u5ba2\u6237\u8981\u6c42\u91cd\u65b0\u65bd\u5de5\u3002<\/p>\n<\/blockquote>\n\n\n\n
      \u53c8\u4f1a\u6d89\u53ca\uff1a<\/p>\n\n\n\n
      \n
      Your Work \/ Your Product \/ Contractual issues<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      \n\n\n\n
      \u6240\u4ee5\u4f60\u73b0\u5728\u5df2\u7ecf\u5230\u4e86\u4e00\u4e2a\u975e\u5e38\u5173\u952e\u7684\u9636\u6bb5\uff1a<\/p>\n\n\n\n
      \n
      \u201c\u77e5\u9053\u4ec0\u4e48\u662f Liability\u201d \u2192 \u4e0b\u4e00\u6b65\u5b66\u4e60\u201c\u8fd9\u4e2a Liability \u5230\u5e95\u662f\u4e0d\u662f CGL \u627f\u4fdd\u7684 Liability\u201d\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n
      <\/p>\n
      <\/div>
      <\/path><\/svg><\/i> \"Loading\"<\/p>
      <\/div>","protected":false},"excerpt":{"rendered":"
      RIBO Level 1 \u2014 Contractual Liability\uff08\u5408\u540c\u8d23\u4efb\uff09\u3002 \u8fd9\u4e00\u8282\u7279\u522b\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u4f1a\u628a\u4f60\u5df2\u7ecf\u5b66\u8fc7\u7684 Negligence\u3001CGL\u3001Indemnity\u3001Hold Harmless \u4e32\u8d77\u6765\u3002 \u4e00\u3001\u5148\u641e\u61c2\uff1a\u4ec0\u4e48\u662f Contractual Liability\uff1f \u6700\u7b80\u5355\u7684\u7406\u89e3\uff1a \u56e0\u4e3a\u5408\u540c\u4e2d\u7684\u627f\u8bfa\u6216\u7ea6\u5b9a\uff0c\u800c\u4ea7\u751f\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002 \u4f8b\u5982\uff1a \u4e00\u5bb6\u88c5\u4fee\u516c\u53f8\u548c\u5ba2\u6237\u7b7e\u5408\u540c\uff1a \u201c\u88c5\u4fee\u516c\u53f8\u8d1f\u8d23\u8d54\u507f\u5ba2\u6237\u56e0\u4e3a\u88c5\u4fee\u5de5\u4f5c\u9020\u6210\u7684\u67d0\u4e9b\u635f\u5931\u3002\u201d \u8fd9\u65f6\u5019\uff0c\u5982\u679c\u53d1\u751f\u4e8b\u6545\uff0c\u5c31\u53ef\u80fd\u6d89\u53ca\uff1a Contractual Liability \u4e8c\u3001\u6700\u91cd\u8981\u7684\u533a\u522b ⭐⭐⭐⭐⭐ RIBO \u6700\u5bb9\u6613\u8003\u7684\u662f\uff1a Liability \u672c\u6765\u5c31\u5b58\u5728 vs. Liability \u662f\u56e0\u4e3a\u5408\u540c\u624d\u4ea7\u751f \u60c5\u51b5 A\uff1a\u672c\u6765\u5c31\u6709\u6cd5\u5f8b\u8d23\u4efb \u4f8b\u5982\uff1a \u88c5\u4fee\u516c\u53f8\u65bd\u5de5\u65f6\u628a\u90bb\u5c45\u7684\u7a97\u6237\u7838\u574f\u3002 \u5373\u4f7f\u6ca1\u6709\u5408\u540c\uff0c\u88c5\u4fee\u516c\u53f8\u4e5f\u53ef\u80fd\u56e0\u4e3a\uff1a Negligence \u5bf9\u90bb\u5c45\u627f\u62c5\u8d23\u4efb\u3002 \u6240\u4ee5\uff1a Contract \u2260 \u5fc5\u7136\u521b\u9020 liability \u60c5\u51b5 B\uff1a\u5408\u540c\u989d\u5916\u627f\u62c5\u8d23\u4efb \u4f8b\u5982\uff1a \u5546\u573a\u548c\u6e05\u6d01\u516c\u53f8\u7b7e\u5408\u540c\u3002 \u5408\u540c\u89c4\u5b9a\uff1a \u6e05\u6d01\u516c\u53f8\u5fc5\u987b\u4e3a\u67d0\u4e9b\u7531\u5176\u5de5\u4f5c\u4ea7\u751f\u7684\u7d22\u8d54\u627f\u62c5\u8d23\u4efb\uff0c\u5e76 indemnify \u5546\u573a\u3002 \u8fd9\u65f6\u5019\uff1a \u6e05\u6d01\u516c\u53f8\u7684\u8d23\u4efb\u53ef\u80fd\u6765\u81ea\u5408\u540c\u3002 \u8fd9\u624d\u662f\u5178\u578b\u7684\uff1a Contractual Liability … Continue reading “\u4fdd\u9669\u77e5\u8bc6\uff1aContributory Negligence”<\/span><\/a><\/p>\n
      <\/div>\n
      <\/path><\/svg><\/i> \"Loading\"<\/p>\n
      <\/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":[223,157,156],"class_list":["post-21377","post","type-post","status-publish","format-standard","hentry","category-155","tag-contributory-negligence","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":6,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21377","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=21377"}],"version-history":[{"count":1,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21377\/revisions"}],"predecessor-version":[{"id":21378,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21377\/revisions\/21378"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21377"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}