Property management liability insurance clause

What's the difference between property public liability insurance and public liability insurance?

insured liability

Public liability insurance-"the economic compensation liability that the insured shall bear according to law if an accident occurs in the business within the scope specified in the insurance policy schedule, causing personal injury or property loss to a third party".

Accident: refers to accidents such as fire, explosion and collision caused by negligence, dereliction of duty and crime in daily life and production. Accidents must be unforeseeable, unexpected and unexpected, that is, the occurrence of danger should generally be hasty, unprepared or accidental, unexpected or unexpected, but it is impossible to know its inevitable occurrence or determine its time.

Property liability insurance-"within the scope stipulated in the insurance policy schedule, the insured shall bear the economic compensation liability according to law if an accident occurs due to the negligence or fault of the insured's management, resulting in personal injury or property loss to a third party".

Negligence: it should have been foreseen, but it was not foreseen, or it was foreseen but believed to be avoidable.

Neglect: Should pay attention and be able to pay attention, but didn't pay attention. Constitute a legal infringement.

Excluded liability 1

Public liability insurance-"the responsibility that the insured should bear according to the agreement with others." But even if there is no such agreement, the liability that the insured should still bear is unrestricted. "

Property liability insurance-"the liability of the insured according to the agreement without the approval of the relevant government departments and the written approval of the insurer".

Excluded liability 2

Public liability insurance-"for any livestock, bicycles, vehicles, locomotives, various ships, airplanes, elevators, lifts, escalators, cranes, cranes or other lifting devices that are not included in the schedule of this insurance policy and belong to or used by the insured";

Property liability insurance-none.

Exemption from liability 3

Public liability insurance-"fire, earthquake, explosion, flood, smoke";

Property liability insurance-no "fire, explosion, flood, smoke"

Exemption from liability 4

Public liability insurance-"intentional acts or gross negligence of the insured and its representatives";

Property liability insurance-"intentional behavior of the insured and its representatives".

Exemption from liability 5

Public liability insurance-none;

Property liability insurance-"earthquake, lightning, storm, flood, volcanic eruption, underground fire, tornado, typhoon and other natural disasters. However, due to poor management and maintenance of the insured, the losses that should not have occurred when the disaster comes are excluded. "

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.