金典案例 | 保险合同签订后对工种认定的单方解释不能限制被保险人权益

Core Viewpoint - The Beijing Financial Court aims to enhance case quality and establish a high-level financial trial think tank platform, focusing on standardized handling of financial cases and the publication of typical cases [1][4]. Group 1: Case Background - A dispute arose between a certain insurance company and a company regarding a liability insurance contract, where the insured's work classification was contested [5][6]. - The insurance policy stipulated that if the work performed at the time of the incident did not match the insured job classification, the insurer would not be liable for compensation [5][6]. Group 2: Court Ruling - The court ruled that the insurance company must provide clear evidence if it claims that "steel structure dust removal and rust prevention" does not fall under "steel structure installation" [6]. - The court found that the cause of death was not definitively linked to the insured's qualifications or an accident, thus the insurer could not invoke the exclusion clause in the contract [6]. Group 3: Significance of the Case - The case highlights the importance of clearly defining job classifications in liability insurance contracts, emphasizing that insurers must base their assessments on industry standards or explicit contractual terms rather than unilateral interpretations [7]. - The ruling reinforces the balance between protecting consumer rights and ensuring that insurance companies fulfill their professional obligations, promoting a fair and trustworthy insurance market [7].