擁有「產品第三者責任保險單」您將可獲享保障,以應付公眾、零售商或分銷商因貴公司產品所引致的任何損失、傷亡或破壞而入稟法庭索償。
這項保險單是為配合貴公司的個別需要而製訂,以符合貴公司預算的可知費用,將風險轉由保險公司替您承擔,從而助您保障貴公司的產品市場。
您可獲享以下的全球性保障:
法律費用;
為證實傷亡事故原因所需進行的任何調查工作;
法庭判決您或貴公司應負的任何損失責任。
賠償限額
產品責任保險基本上都有賠償限額的規定。賠償限額通常由被保險人根據實際需要向保險人提出,待雙方商定後在保單中具體載明。產品責任保險實行每次事故限額和保單累計限額制,即保險人對每一次產品事故規定一最高賠償金額,對保險有效期內的賠償累計規定一個最高限額。
產品責任保險賠償限額的高低主要由兩個因素決定:
一是產品事故可能引起的損失程度;
二是地區、國別。
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