Contractor's All Risk (承包商的所有风险)


CAR_SPA_WYW_AGENCY_Presentation

SPA & Associates


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Contractor's All Risk



Scope Of Cover
Provides protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.

The Insured Parties
The Principal, Contractor and all Sub-Contractors, Operators, Suppliers, Consultants, Financing Parties who are engaged in the contract/project. Note: Third party means any person other than those related to or working for the contract/project.

    
Property Insured
All the works to be performed under the contract whether they are preparatory, provisional or final together will all materials and equipments constituting them.

In addition, the cover may include Third Party Liability, Construction Plant and Equipment, Construction Material, Clearance & Removal Of Debris, Professional Fees and Surrounding Property, Escalation,Maintenance Cover.

Sum Insured
The sum Insured must be similar with the contract value represents all the investment needed to carrying out the contract/project. Any increase in the contract sum must be notified immediately to the Company in order to avoid under-insurance and additional premium will be charged.


Information required for Quotation
Letter of Award (compulsory)
Breakdown of sum insured / Contract value
Scope of Works
Layout and/or Location Plans
Time schedule / Bar Chart
Limit of third party liability
Third party surrounding Properties and distance
 

Exclusions
Usual exclusions on nuclear and war damage. 
Consequential Loss on material damage. 
Cessation of work whether total or partial. 
Direct faulty design. 
The cost of replacement or rectification of the Property insured rendered necessary by defective material and workmanship but this insurance shall cover the cost of making good any damage to other Property Insured under this policy resulting from such defective material and workmanship. 

Loss or Damage to:-
Loss of or damage to any items of plant machinery or equipment directly due to it's own breakdown, failure, breakage, derangement or explosion. 
Loss of or damage to any deeds, bonds, account bill of exchange, promissory notes, cash, bank notes, cheques, security for money or stamp. 
Loss or damage due to normal wear and tear, corrosion, rust, aesthetics defect, gradual deterioration or deterioration due the atmospheric and/ climate conditions. 
Loss of property either by disappearance or by shortage if such disappearance or shortage is only revealed when an inventory is made and the loss cannot be traced to any event. 

In respect of which a Certificate of Completion has been issued or which has been completed and handed over to or taken into used by the Principals or which arise after practical completion unless such loss and such loss and damage be occasioned during the Maintenance Period specified in the schedule or by the contractor in the course of any operations carried out by him for the purposes of complying with the obligations under the maintenance provisions of the contract. 

Build your own ‎‎‎‎(small)‎‎‎‎ home 构建自己的(小)的家

What A Bad Day

Dangers of unqualified contractors ‎‎‎(Before)‎‎‎

Dangers of unqualified contractors ‎‎‎(After)‎‎‎

Decline Risks


i. Aircraft crews
ii. Asbestos related risks
iii. All claims and losses resulting from work carried out to produce latex based products
iv. Construction and maintenance of dams
v. Contractors engaged exclusively in wrecking and 
demolition
vi. Fire brigades
vii. Manufacture and/or production, storage, filing, breaking down transport of a. fireworks, fuse(s), cartridges, ammunition, powder, nitroglycerine or any explosives
b. gases and/or air under pressure in containers
c. Butane, Methane, Propane, and other liquefied gases
d. toxic substances and toxic waste (It is understood and agreed, however,that the storage and transport of any of the substances above mentioned which is merely incidental to the operations and/or trade of the company’s 
insured not otherwise excluded, is hereby covered)
viii. Offshore rigs
ix. Petroleum and gas exploration, production, drilling, producing, refining and distributing (other than general distributors and petrol stations). This exclusion also applied to general maintenance / repairs carried out by general contractors and incidental contracts directly related to (Petroleum and gas explosion)
x. Quarries, if explosives are used, unless merely incidental to the operations and/or trade of the company’s insured not otherwise excluded.
xi. Service in any kind of armed forces (military, police, security services)
xii. Shipbuilding, ship repairing and shipbreaking
xiii.Ships crews
xiv.Subaqueous/Underwater works and laying of marine cables
xv.The construction, maintenance and demolition of towers, steeples, bridges longer than 30 metres and chimney shaft unless merely incidental to the operations and / or trade of the company’s insured not otherwise excluded
xvi.Tunnelling exceeding 100 metres in length
xvii.Underground and underwater mines and all underground services in connection therewith 
CHAPTER I(d): 

承包商的所有风险

覆盖范围
提供保护,防止损失或损害有关的合同工程在合同网站和建设项目产生的第三方索赔。

被保的
主要当事方, 承包商和分包商,运营商,供应商,顾问,融资方所从事的合同/项目。注:第三方是指比合同/项目或工作有关的其他任何人。

投保的物业
要根据合同执行,无论他们是一起准备,临时或最终将所有的作品构成的所有材料和设备。

此外,盖可能包括第三者责任险,建设厂房及设备,建材,间隙和去除杂物,专业费用及周边物业,升级,维护盖。

保额
保险金额必须是类似的合同价值代表开展合同/项目所需的投资。为了避免保险和额外保费将不收取费用, 必须立即通知本公司的任何合同金额的增加。

报价信息
信奖(必修)
击穿保险金额/合同价值
工程范围
布局和/或位置图
时间表/条形图
第三者责任险限额
第三方周边地产和距离

排除覆盖
常住排除对核战争的破坏。
物质损失的相应损失。
是否全部或部分停止​​工作。
直接设计错误。
保险提供必要的材料和工艺缺陷,但这个保险金额应包括的任何损害其他保险财产造成这种缺陷的材料和做工在这个政策下的成本更换或整改的​​物业成本。

遗失或损毁: - 
丢失或损坏的厂房,机器或设备的任何项目直接由于它自己的故障,故障,断裂,紊乱或爆炸。
丢失或损坏任何契约,债券,占汇票,本票,现金,钞票,支票,金钱或盖章的安全性。
损失或损害,由于正常磨损,耐腐蚀,防锈,美观缺陷,由于大气和/气候条件逐渐恶化或恶化。
财产损失的消失或短缺如果这样消失或短缺,仅透露库存,损失无法被追踪到任何事件。

就结业证书已发行或已完成,并交给或考虑到所使用的主要当事方或产生实际完工后,除非在维修期间在指定这样的损失,这样的损失和损害而致时间表或由承包人为了遵守与维护合同规定的义务根据他所进行的任何操作过程中。


安装工程一切风险
 
盖范围
提供保护,防止在勃起以及任何形式的机械,厂房及钢结构安装中出现的第三方索赔,工程项目涉及的所有风险。覆盖面开始卸载保险架设工作,不包括使用/二手机器,盖测试/调试开始后停止,直到试运行已完成的项目。

投保
校长,承包商和制造商/供应商的机械或工业装置,如果他们携带了安装工作。
注:第三方是指比合同/项目或工作有关的其他任何人。

保险财产
各类个人机,工业机械,工业厂房,钢结构工程和/或结构的安装和测试。

此外,盖可能包括第三方责任,土木工程,设备架设,间隙和拆卸的碎片,专业费用及周边物业,升级,维护盖,承包商的厂房和机械。
 
保额

保额类似的价值竖立的机械或工业装置,并应包括运费,关税,费和安装成本。被保险人的承诺知会本公司上增加保额和额外的保险费将不收取费用。

奖金
保费计算保险金额,并且收取的合同和包容性测试期间的整段期间的速度。如果有保险期间按比例的基础上计算的附加保险费征收任何分机。
在年度基础上溢价设备架设充电。
报价信息
信奖(必修)
投保额明细
工程范围
有各自的价值的机器名单
蓝图
时间表/条形图
第三者责任险限额
周围第三方财产和距离
机械起源和供应商

提到风险
能源
重工
高新技术产业

谢绝风险
离岸(可以考虑放置了)


工人赔偿保险(项目)

介绍
此保险的目的是,以支付雇员因他们的就业所遭受的死亡或受伤。它也招致雇主(被保险人)如果疏忽雇员起诉,如果延长。

覆盖不是强制性的,在工人方面,虽然它可能会采取由用人单位(投保人)如果需要订阅社险计划。主要劳工补偿条例“下的补偿机制。

保额
i)按估计全年盈利的员工。
ii)合同的工作,需要至少10%的合同价值
   所有工人的工资。

死亡和残疾性质
一次性赔偿(以较少者为准)
1。死亡60个月盈利或RM18,000.00
2。如果死者的工人有没有家属丧葬费或
     RM1,000.00
3。已完成他/她的18岁的永久完全伤残成人。 60个月的盈利或RM23,000.00
4。其他成人84个月盈利或RM23,000.00
5。未成年人108个月盈利或RM23,000.00
6。一段时间后,全部或部分暂时丧失半月刊付款总额根据第(7)应付包干等死亡的死亡应不超过RM23,000.00
7。半按月支付临时伤残RM165.00或每月收入的三分之一。

保险费评级
i)溢价率计算每个员工的年薪估计。
ii)的工人的补偿关税等级表(见附件),现担任指导。
iii)代理应参考公司指导下接受较低的利率,以确保风险。

普通法延长工人赔偿保险政策。

加载普通法延长10%至25%,如果在工人的补偿政策。

如果工作是危险的,应该被限制在一个较低的限制,例如普通法限制RM250,000.00

保险承保的代价

i)本提案的形式必须正确完成各种员工所做的工作给予详细说明
ii)上一页索赔经验
iii)为确保他们没有涉及道德风险。
    例如雇主不安全或危险的地方和系统的工作安全

请参阅/拒绝风险

请参阅风险
i清洁/绘画作品外建筑高度超过30英尺
ii。潜水员
III。木材伐木者
iv。酸和天然气工程
v船上服务和维护工作

<<<下降风险








Erection All Risk

 
Scope of Cover
Provides protection against all the risks involved in the erection of machinery, plant and steel structures of any kind as well as third party claims arising in connection with the installation works of the project. The coverage commences from the unloading of items insured to erection work and until test operation has been completed excluding used/second-hand machines where cover ceases upon commencement of testing/commissioning. 

Insured
The Principal, Contractor and manufacturer/supplier of the machinery or plant if they carry out the erection work.
Note: Third party means any person other than those related to or working for the contract/project.

 
Property Insured
All kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure.

In addition, the cover may include Third Party Liability, Civil Engineering Works, Equipment for Erection, Clearance & Removal of Debris, Professional Fees and Surrounding Property, Escalation, Maintenance Cover,Contractor's Plant and Machinery.
 

 Sum Insured

The sum insured similar with the value of the machinery or plant to be erected, and should includes freight, customs duties, dues and erection costs. The Insured undertakes to inform the Company on the increase of sum insured and an additional premium will be charged.

Premium
The premium is calculated at a rate applied to the sum insured and is charged for the full period of the contract and inclusive of testing period. Should there be any extension on period of insurance an additional premium calculated on pro-rata basis is chargeable.
Premium on equipment for erection is charged on an annual basis.
Information required for Quotation
Letter of Award (compulsory)
Breakdown of sum insured
Scope of Works
List of machines with respective value
Layout Plans
Time schedule/Bar Chart
Limit of third party liability
third party surrounding property and distance
machinery origin and supplier


 
Referred Risks 
Energy
Heavy Industries
High Technology Industries 


Declined Risk
Off-shore ( Can be considered for placement out)

       
Workmen Compensation Insurance (Project)

Introduction 
This insurance is designed to cover death or injuries suffered by employees arising out of their employment.It also indemnifies the Employer (Insured) if sued by employees for negligence, if this is extended. 

Coverage is not compulsory in respect of worker, subscribing to the SOCSO scheme although it may be taken up by the Employer (insured) if desired. Principal Compensations Available under Workmen's Compensation Ordinance

Sum Insured 
i)Based on the estimated annual earnings of the employees. 
ii)Contract work, to take at least 10% of the contract value 
   as wages for all workers 

Death And Nature of Disability 
Lump Sum Compensation(whichever is less) 

1. Death 60 month earnings or RM 18,000.00 
2. If the deceased workman has no dependents Funeral 
expenses or RM1,000.00
3. Permanent total disablement adult who has completed his/her 18th year of age. 60 month earnings or RM 23,000.00
4. Other adults 84 months earning or RM23,000.00 
5. Minor 108 months earnings or RM23,000.00 
6. Death following a period of total or partial temporary disablement Total of all half-monthly payments under (7and lump sum payable for such death should not exceed RM23,000.00
7. Half-monthly payments for temporary disablement RM165.00 or one third of monthly earnings. 

Rating 
i) Premium rate is computed on the estimated annual salary of each employee 
ii)The Workmen's Compensation Tariff Rating table (as attached) currently serves as a guide 
iii)Agents are advised to refer to the company for guidance where lower rates are accepted to secure risks.

Common Law Extension in a Workmen's Compensation Policy. 
A loading of 10% to 25% if the Common Law is extended in a Workmen's Compensations Policy. 
If the job is hazardous, the Common law limit should be restricted to a lower limit e.g. RM250,000.00

Underwriting Consideration 
i)   The proposal form must be properly completed giving detail description of the work done by various employees 
ii)  Previous claim experience 
iii) To ensure that they are no moral hazards involved. 

e.g. : Employers with unsafe or hazardous place and system of work Safety 

Refer/Decline Risk

Refer Risks
i. Cleaning / painting works on outer buildings exceeding 30 ft. in height
ii. Divers
iii. Timber loggers
iv. Acid and gas works
v. Service and maintenance work on board vessels

Decline Risks
i. Aircraft crews
ii. Asbestos related risks
iii. All claims and losses resulting from work carried out to produce latex based products
iv. Construction and maintenance of dams
v. Contractors engaged exclusively in wrecking and demolition
vi. Fire brigades
vii. Manufacture and/or production, storage, filing, breaking down transport of 
a. fireworks, fuse(s), cartridges, ammunition, powder, nitroglycerine or any explosives
b. gases and/or air under pressure in containers
c. Butane, Methane, Propane, and other liquefied gases
d. toxic substances and toxic waste (It is understood and agreed, however,that the storage and transport of any of the substances above mentioned which is merely incidental to the operations and/or trade of the company’s insured not otherwise excluded, is hereby covered)
viii. Offshore rigs
ix. Petroleum and gas exploration, production, drilling, producing, refining and distributing (other than general distributors and petrol stations). This exclusion also applied to general maintenance / repairs carried out by general contractors and incidental contracts directly related to (Petroleum and gas explosion)
x. Quarries, if explosives are used, unless merely incidental to the operations and/or trade of the company’s insured not otherwise excluded.
xi. Service in any kind of armed forces (military, police, security services)
xii. Shipbuilding, ship repairing and shipbreaking
xiii.Ships crews
xiv.Subaqueous/Underwater works and laying of marine cables
xv.The construction, maintenance and demolition of towers, steeples, bridges longer than 30 metres and chimney shaft unless merely incidental to the operations and / or  trade of the company’s insured not otherwise excluded
xvi.Tunnelling exceeding 100 metres in length
xvii.Underground and underwater mines and all underground services in connection therewith   

CHAPTER I(d): 

UNDERWRITING GUIDELINE -  
NON-MOTOR - FOREIGN WORKERS COMPENSATION SCHEME 177







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Contractor All Risk Insurance Claim (A) For material damage claim Completed claim formPolice reportRepair/replacement bill/quotation/delivery orders/stock recordsContract documents, including bill of quantities and scope of work, letter of awardPhotographs of the damaged item(s)Consultant's or internal report on the cause and extent of damageA copy of Insured's NRIC (For individual)A copy of Insured's Business Registration (For company)Completed claim formPolice reportRepair/replacement bill/quotation/delivery orders/stock recordsContract documents, including bill of quantities and scope of work, letter of awardPhotographs of the damaged item(s)Consultant's or internal report on the cause and extent of damageA copy of Insured's NRIC (For individual)A copy of Insured's Business Registration (For company)(B) For Third Party Liability claimCompleted claim formPolice reportIncident reportRepair bills/quotation for property damage claimPhotographs of the damaged item(s)Consultant's report on the cause/ nature extent of damageMedical report / Death certificate / post mortem report (for Fatal & injury claim)   Oct 26, 2012, 2:15 PM Simon Poon
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Contractor All Risk Insurance Claim (A) For material damage claim Completed claim formPolice reportRepair/replacement bill/quotation/delivery orders/stock recordsContract documents, including bill of quantities and scope of work, letter of awardPhotographs of the damaged item(s)Consultant's or internal report on the cause and extent of damageA copy of Insured's NRIC (For individual)A copy of Insured's Business Registration (For company)Completed claim formPolice reportRepair/replacement bill/quotation/delivery orders/stock recordsContract documents, including bill of quantities and scope of work, letter of awardPhotographs of the damaged item(s)Consultant's or internal report on the cause and extent of damageA copy of Insured's NRIC (For individual)A copy of Insured's Business Registration (For company)(B) For Third Party Liability claimCompleted claim formPolice reportIncident reportRepair bills/quotation for property damage claimPhotographs of the damaged item(s)Consultant's report on the cause/ nature extent of damageMedical report / Death certificate / post mortem report (for Fatal & injury claim)   52k v. 3 Oct 26, 2012, 2:14 PM Simon Poon
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