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leaf2019 发表于 2020-11-16 12:00 
public liability里面有选项的，可以附加
public liability 是不会保你自己的财产部分的，这不是public liability cover本身的设计，在Public liability 可以附加的选项叫Goods in custody，是指在你看护下的第三方财产，比如你是货代，仓库里堆满了海外送来的货物,如果由于你的仓库发生火灾，造成损失，那么这个Public liability下的goods in custody 就会cover。
但是如果仓库里堆的是你自己的货物，这些货物就不会被cover，这个是Business Insurance 下面的property insurance 的范畴。
https://publicliabilityinsurance ... iability-insurance/
What Doesn’t It Cover?
All public liability insurance policies will have a range of exclusions. Some of these are common to all policies, whilst others are unique to specific policies.
Generally speaking, a public liability insurance policy will not cover the following events:
Any unlawful activity
Any deliberate act to cause damage or injury
Personal injury to you or your employees
Property damage suffered by you or your employees
There are also exclusions on some policies which are relevant to certain occupations and business types. These can include working on marine vessels over a certain size, working on high-risk locations such as airports and mines or working on construction projects over a certain size.
Most of the mainstream public liability providers will not cover these situations, however there are many specialist insurance providers (commonly known as underwriting agencies) who will provide cover through specially designed policies.
If you have any doubts about what your policy does or doesn’t cover, especially if you do work which is outside of the ordinary, then you should speak with your insurance broker or adviser. |
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脆皮烧鸭 (2009-1-31) 紫雪花 
我秀我家 - 完整版 (2005-1-4) leeshine 
发表于 2020-11-13 14:05
