除了上述的承保範圍外,我們所銷售的「工程綜合保險」會因應工程性質,免費或付費提供一些附加保障,例如:
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1. 委託人財物責任 |
保障承建商在施工進行中造成委託人財物損毀的法律責任 (須留意保單有效期內之最高賠償額及累計保障額)。 保障受保人於工程期間因產生的震動,移動或減弱支撐所引致建築物倒塌或結構損毀,而需負上對第三者財物受損之法律責任 (須留意保單有效期內之最高賠償額及累計保障額)。
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2. 震動損毀責任 |
保障受保人於工程期間因產生的震動,移動或減弱支撐所引致建築物倒塌或結構損毀,而需負上對第三者財物受損之法律責任 (須留意保單有效期內之最高賠償額及累計保障額)。
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3. 交互責任 |
如保單包括多於一名受保人,所有受保人將被視為獨立持有保單,保險公司將不會追究任何一名受保人引致意外的法律責任,唯所有受保人之第三者責任保障總額須以該保單的單一事故及保單有效期內之最高保障額為上限。 |
4. 保固期保障 |
以「室內裝修保險」為例,一般都可以為客戶免費提供最長3個月之保固期保障。 |
5.廢物處理 |
保障意外發生後處理廢物的所需費用,以「室內裝修保險」為例,一般附送的最高賠償額為工程合約總額的5%。 |
6. 工程合約金額自動提升 |
以「室內裝修保險」為例,部分保險公司同意若最終工程造價較投保時的報價金額不超出10%,毋須另繳額外保費。 |
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