Some forms of liability insurance, such as products liability, errors and omissions liability and directors' and officers' liability insurance, are usually written on a "claims-made" basis - the policy covers claims made against the insured during the policy period (whether or not the loss occurred during the policy period) rather than losses that occurred during the policy period. The latter is known as an "occurrence" based policy. Furthermore, the standard form of general liability insurance requires that the insurer pay for the cost of defending the insured against suits brought by third parties and that these costs are payable by the insurer in addition to the stated limit of liability under the policy. However, some other forms of liability insurance provide that these costs of defense are included within the policy limits of liability. Since these kinds of policy provisions further restrict the amount of coverage available to the insured, some regulations require that the insurer deliver a prescribed notice to the insured when the policy is delivered stating that the policy include these restrictive provisions and further require that the insured sign a statement acknowledging receipt of the disclosure statement.

【參考譯文】

責(zé)任保險(xiǎn)

某些形式的責(zé)任保險(xiǎn)，如產(chǎn)品責(zé)任，錯(cuò)誤和疏忽責(zé)任以及董事和高級(jí)職員職業(yè)責(zé)任保險(xiǎn)，通常以“索賠發(fā)生制”為基礎(chǔ)承保一一即保單對(duì)被保險(xiǎn)人在保險(xiǎn)有效期內(nèi)提出的索賠負(fù)賠償責(zé)任(無(wú)論保險(xiǎn)事故是否發(fā)生在保單有效期內(nèi))，而不是對(duì)發(fā)生在保險(xiǎn)有效期內(nèi)的損失賠償事件負(fù)賠償責(zé)任，后者是以“事故發(fā)生制”為基礎(chǔ)簽發(fā)的保單。此外，公共責(zé)任保險(xiǎn)的標(biāo)準(zhǔn)保單形式要求保險(xiǎn)公司支付被保險(xiǎn)人應(yīng)第三方訴訟而發(fā)生的抗辯費(fèi)用且該費(fèi)用在保單列明的責(zé)任限額以外支付。然而，還有其他一些種類的責(zé)任保險(xiǎn)則規(guī)定這些抗辯費(fèi)用在責(zé)任限額之內(nèi)賠償。因?yàn)檫@些條款進(jìn)一步限制了被保險(xiǎn)人可以獲得的保險(xiǎn)保障，所以法規(guī)要求保險(xiǎn)公司在向被保險(xiǎn)人簽發(fā)保單時(shí)出具披露這些限制條款的聲明，并進(jìn)一步要求被保險(xiǎn)人出具聲明表明收到該披露聲明。

【知識(shí)小貼】

責(zé)任保險(xiǎn)(Liability Insurance)

以保險(xiǎn)客戶的法律賠償風(fēng)險(xiǎn)為承保對(duì)象的一類保險(xiǎn)叫做責(zé)任保險(xiǎn)。按業(yè)務(wù)內(nèi)容，可將其分為公眾責(zé)任保險(xiǎn)、產(chǎn)品責(zé)任保險(xiǎn)、雇主責(zé)任保險(xiǎn)、職業(yè)責(zé)任保險(xiǎn)和第三者責(zé)任保險(xiǎn)五類業(yè)務(wù)。責(zé)任保險(xiǎn)作為一種保險(xiǎn)業(yè)務(wù)，產(chǎn)生于19世紀(jì)的歐美國(guó)家，20世紀(jì)70年代以后在工業(yè)化國(guó)家迅速得到發(fā)展。

責(zé)任編輯：admin