Second, the liability exemption clarifies which risk accidents cause property losses and personal injuries that have nothing to do with the insurer's compensation, mainly including statutory and agreed liability exemption conditions.
Three, generally divided into four categories:
1, the risk that is not covered, that is, the cause of loss is exempted. For example, in the current basic enterprise property insurance, it is not responsible for the loss of the insured property caused by the earthquake.
2. Exemption of losses not liable for compensation. The insurer shall not be liable for the expenses and indirect losses caused by normal maintenance.
3. Non-contractual objects include those that are absolutely not guaranteed, such as land and mineral deposits, and those that are specially insured, such as gold, silver and jewelry.
If the applicant or the insured fails to perform the obligations stipulated in the contract, he shall be exempted from liability.
4. After the exemption occurs, the insurance company is not responsible for compensation or compensation, but the contract is still valid, unless you don't want to insure, and the insurance contract is terminated through negotiation.
Extended data
Exemption is the scope of the insurer's liability as stipulated in the insurance contract. Most of the exemption from liability adopts enumeration method, that is, the scope of the insurer's non-liability is clearly listed in the insurance clause.
Logically speaking, the contents listed in the exemption of liability originally belonged to the scope of insurance liability, but now they are excluded. General insurance liability contains many events, and it is difficult to list them one by one. Therefore, insurance liability should be stipulated first, most events are insurance liability, only a few events are not insurance liability, and then a few events that are not insurance liability are excluded from liability exemption.
This makes it clear what is insurance liability and what is exemption. When the incident happens, we first look at whether it belongs to insurance liability;
If it is not insurance liability, the insurer is not responsible; If it belongs to insurance liability, we will see whether it belongs to liability exemption. If it is exempted from liability, the insurer is still not responsible. If the liability cannot be exempted, the insurer will be responsible for paying the insurance premium.
Baidu Encyclopedia: Exempting from Insurance Liability