有关保险的一般要求

在本条中，对于每种类型的保险，“应投保方”是指对办理并保持相关条款中规定的保险负有责任的一方。

当承包商是应投保方时，应按照雇主批准的条件向保险人办理每项保险。这些条件应与双方在签定合同协议书前协商同意的任何条件相一致。这一条件协议的地位应优于本条各项规定。

如果保险单需要对联合被保险人提供保障，保险赔偿应如同已向联合被保险人的每一方发出单独保险单一样，对每个被保人分别施用。如果保单对附加联合被保人提供保障，既在本条规定的被保人之外附加，则（ⅰ）除雇主应代表雇主人员行动外，承包商应代表这些附加联合被保人根据保险单行动；（ⅱ）附加联合被保人无权从保险人处直接得到付款，或与保险人有其他直接往来；以及（ⅲ）应投保方应要求所有附加联合被保人遵守保险单规定的条件。

每份承保损失或损害的保险单应以修正损失或损害需要的货币进行赔偿。从保险人处收到的付款应用于修正损失或损害。

有关应投保坟应在专业条件中规定的各自期限内（从开工日期算起），向另一方提交：

（a） 本条中所述保险已经生效的证据；

（b） 第18.2款［工程和承包商设备的保险］、及第18.3款［人员伤害和财产损害险］所述保险单副本。

当每项保险费已付时，应投保方应向另一方提供支付证据。

每方应遵守每份保险单规定的条件。应投保方应保持使保险人随时了解工程实施中的任何相关变化，并确保按照本条要求维持保险。

没有得到另一方的事先批准，任一方都不应对任何保险的条件做出实质性变动。如果保险人做出（或要做出）任何变动，首先收到保险人通知的一方应立即通知另一方。

如果应投保方对合同要求办理并维持的任何保险未按要求办好并保持有效，或未能按本款要求提供满意的证据和保险单的副本，另一方可以（由其选择，并在不影响任何其他权利或补偿的情况下）办理该保险范围的保险，并付应交的保险费。应投保方应向另一方支付这些保险费，并相应调整合同价格。

本条规定不限制合同其余条款或其他文件所规定的承包商或雇主的义务、责任、或职责。任何未保险或未能从保险人处收回的款项，应由承包商和（或）雇主按照这些义务、责任、或职责的规定承担。但是，如果应投保方对于能做到的并在合同中规定要办理并保持的某项保险，未能按要求办好并保持有效，而另一方既没有认可这项省略，又没有办理与此项违约有关的保险范围的保险，则根据此项保险应能收回的任何款额应由应投保方支付。

一方向另一方的支付，应按适用情况，根据第2.5款［雇主的索赔］或第20.1款［承包商的索赔］的规定办理。

In this Clause, “insuring Party” means, for each type of insurance, the Party responsible for effecting and maintaining the insurance specified in the relevant Sub-Clause.

Wherever the Contractor is the insuring Party, each insurance shall be effected with insurers and in terms approved by the Employer. These terms shall be consistent with any terms agreed by both Parties before they signed the Contract Agreement. This agreement of terms shall take precedence over the provisions of this Clause.

Wherever the Employer is the insuring Party, each insurance shall be effected with insurers and in terms consistent with the details annexed to the Particular Conditions.

If a policy is required to indemnify joint insured, the cover shall apply separately to each insured as though a separate policy had been issued for each of the joint insured. If a policy indemnifies additional joint insured, namely in addition to the insured specified in this Clause, (ⅰ) the Contractor shall act under the policy on behalf of these additional joint insured except that the Employer shall act for Employer’s personnel, (ⅱ) additional joint insured shall not be entitled to receive payments directly from the insurer or to have any other direct dealings with the insurer, and (ⅲ) the insuring Party shall require all additional joint insured to comply with the conditions stipulated in the policy.

Each policy insuring against loss or damage shall provide for payments to be made in the currencies required to rectify the loss or damage. Payments received from insurers shall be used for the rectification of the loss or damage.

The relevant insuring Party shall, within the respective periods stated in the Particular Conditions (calculated from the Commencement Date), submit to the other Party.

(a) evidence that the insurances described in this Clause have been effected, and

(b) copies of the policies for the insurances described in Sub-Clause 18.2 [Insurance of Works and Contractor’s Equipment] and Sub-Clause 18.3 [Insurance against Injury to Persons and Damage to Property].

When each premium is paid, the insuring Party shall submit evidence of payment to the other Party.

Each Party shall comply with the conditions stipulated in each of the insurance policies. The insuring Party shall keep the insurers informed of any relevant changes to the execution of the Works and ensure that insurance is maintained in accordance with this Clause.

Neither Party shall make any material alteration to the terms of any insurance without the prior approval of the other Party. If an insurer makes (or attempts to make) any alteration, the Party first notified by the insurer shall promptly give notice to the other Party.

If the insuring Party fails to effect and keep in force any of the insurances it is required to effect and maintain under the Contract, or fails to provide satisfactory evidence and copies of policies in accordance with this Sub-Clause, the other Party may (at its option and without prejudice to any other right or remedy) effect insurance for the relevant coverage and pay the premiums due. The insuring Party shall pay the amount of these premiums to the other Party, and the Contract Price shall be adjusted accordingly.

Nothing in this Clause limits the obligations, liabilities or responsibilities of the Contractor or the Employer, under the other terms of the Contract or otherwise. Any amounts not insured or not recovered from the insurers shall be borne by the Contractor and/or the Employer in accordance with these obligations, liabilities or responsibilities. However, if the insuring Party fails to effect and keep in force an insurance which is available and which it is required to effect and maintain under the Contract, and the other Party neither approves the omission nor effects insurance for the coverage relevant to this default, any moneys which should have been recoverable under this insurance shall be paid by the insuring Party.

Payments by one Party to the other Party shall be subject to Sub-Clause 2.5 [Employer’s Claims] or Sub-Clause 20.1[Contractor’s Claims], as applicable.