山东发布全国首个企财险、雇主责任险示范条款

Core Insights - Shandong Province has officially released industry demonstration clauses for enterprise property insurance and employer liability insurance, becoming the first province in the country to do so [1] Group 1: Industry Demonstration Clauses - The demonstration clauses for enterprise property insurance include four main types: basic property insurance, comprehensive insurance, all-risk insurance, and machinery breakdown insurance, along with ten types of additional coverage such as special liability and supply interruption [1] - The employer liability insurance demonstration clauses consist of the main employer liability insurance and five types of additional coverage, including high-altitude operations and adjustment of lost work expenses, forming a standardized product system of "4+10" for enterprise property insurance and "1+5" for employer liability insurance [1] Group 2: Scientific Basis and Implementation - To ensure the scientific and feasible nature of the demonstration clauses, the Shandong Insurance Industry Association organized a special group comprising various sizes of property insurance companies, using nearly five years of industry underwriting and claims data as a core basis [1] - The industry rates were precisely calculated, strictly adhering to the law of large numbers to scientifically assess the risk rate level, while significantly compressing existing clauses to meet market demand with simpler and clearer demonstration clauses [1]