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data-end=\"275\">\u5728\u4e2d\u667a\u751f\u610f\u4e2d\u4ecb\uff0c\u6211\u4eec\u4e0d\u4ec5\u534f\u52a9\u7259\u533b\u4e1a\u4e3b\u987a\u5229\u5b8c\u6210\u8bca\u6240\u51fa\u552e\uff0c\u4e5f\u786e\u4fdd\u5356\u65b9\u5728\u4ea4\u63a5\u524d\u540e\u90fd\u80fd\u83b7\u5f97\u5145\u5206\u7684\u98ce\u9669\u4fdd\u969c\u3002\u4e86\u89e3\u81ea\u8eab\u5728\u4fdd\u9669\u65b9\u9762\u7684\u4e49\u52a1\uff0c\u662f\u4fdd\u969c\u60a8\u5728\u6210\u4ea4\u540e\u4ecd\u80fd\u5b89\u5fc3\u7684\u91cd\u8981\u4e00\u73af\u3002<\/p><p data-start=\"170\" data-end=\"275\"><br><\/p>\n<p data-start=\"282\" data-end=\"314\"><strong data-start=\"286\" data-end=\"314\">1. \u8d23\u4efb\u4fdd\u9669\u7684\u201c\u7d22\u8d54\u53d1\u751f\u5236\u201d\u5728\u4ea4\u5272\u540e\u4ecd\u6301\u7eed\u6709\u6548<\/strong><\/p>\n<p data-start=\"316\" data-end=\"391\">\u5927\u90e8\u5206\u7259\u79d1\u4e13\u4e1a\u8d23\u4efb\u4fdd\u9669\u5c5e\u4e8e\u201c\u7d22\u8d54\u53d1\u751f\u5236\u201d\uff08claims-made\uff09\u3002\u610f\u601d\u662f\uff0c\u4fdd\u9669\u4fdd\u969c\u751f\u6548\u7684\u65f6\u95f4\u70b9\u5e76\u4e0d\u662f\u6cbb\u7597\u53d1\u751f\u7684\u5f53\u4e0b\uff0c\u800c\u662f<strong data-start=\"377\" data-end=\"388\">\u60a3\u8005\u63d0\u51fa\u7d22\u8d54\u7684\u65f6\u4faf<\/strong>\u3002<\/p>\n<p data-start=\"393\" data-end=\"438\">\u6362\u53e5\u8bdd\u8bf4\uff0c\u60a8\u53ef\u80fd\u5df2\u7ecf\u5356\u6389\u8bca\u6240\u3001\u751a\u81f3\u505c\u6b62\u6267\u4e1a\u597d\u51e0\u4e2a\u6708\u6216\u51e0\u5e74\u540e\uff0c\u4ecd\u6709\u60a3\u8005\u4e3a\u8fc7\u53bb\u7684\u6cbb\u7597\u63d0\u51fa\u6295\u8bc9\u3002<\/p>\n<p data-start=\"440\" data-end=\"505\">\u82e5\u5356\u65b9\u5728\u6210\u4ea4\u540e\u7acb\u5373\u7ec8\u6b62\u539f\u6709\u4fdd\u5355\uff0c\u5f88\u53ef\u80fd\u5728\u672a\u6765\u9762\u5bf9\u65e7\u75c5\u4f8b\u7d22\u8d54\u65f6<strong data-start=\"470\" data-end=\"480\">\u5b8c\u5168\u6ca1\u6709\u4fdd\u969c<\/strong>\u3002\u8fd9\u662f\u6211\u4eec\u6700\u5e38\u89c1\u3001\u4e5f\u6700\u5bb9\u6613\u9020\u6210\u5de8\u5927\u635f\u5931\u7684\u758f\u5ffd\u4e4b\u4e00\u3002<\/p><p data-start=\"440\" data-end=\"505\"><br><\/p>\n<p data-start=\"512\" data-end=\"551\"><strong data-start=\"516\" data-end=\"551\">2. \u5fc5\u8981\u65f6\u5e94\u8d2d\u4e70\u201c\u5ef6\u4f38\u4fdd\u969c\u671f\u201d\uff08Run-Off Cover\uff09<\/strong><\/p>\n<p data-start=\"553\" data-end=\"634\">\u4e3a\u4e86\u5e94\u5bf9\u51fa\u552e\u524d\u6240\u6267\u884c\u6cbb\u7597\u53ef\u80fd\u5728\u672a\u6765\u5f15\u53d1\u7684\u7d22\u8d54\uff0c\u591a\u6570\u7259\u533b\u5728\u51fa\u552e\u8bca\u6240\u6216\u505c\u6b62\u6267\u4e1a\u540e\uff0c\u9700\u8981\u8d2d\u4e70\u5ef6\u4f38\u4fdd\u969c\u671f\u4fdd\u9669\uff08run-off cover\uff09\uff0c\u8ba9\u8fc7\u53bb\u7684\u533b\u7597\u884c\u4e3a\u6301\u7eed\u53d7\u5230\u4fdd\u969c\u3002<\/p>\n<p data-start=\"636\" data-end=\"704\">\u53e6\u4e00\u79cd\u60c5\u51b5\u662f\u4e70\u65b9\u613f\u610f\u627f\u62c5\u5386\u53f2\u8d23\u4efb\uff0c\u4f46\u8fd9\u5fc5\u987b\u5728\u4e70\u5356\u534f\u8bae\u4e2d<strong data-start=\"663\" data-end=\"671\">\u6e05\u6670\u5217\u660e<\/strong>\u3002<br data-start=\"672\" data-end=\"675\">\u5bf9\u4e8e\u51c6\u5907\u9000\u4f11\u6216\u6c38\u4e45\u79bb\u5f00\u7259\u79d1\u884c\u4e1a\u7684\u7259\u533b\u800c\u8a00\uff0c\u8fd9\u4e00\u70b9\u5c24\u5176\u91cd\u8981\u3002<\/p><p data-start=\"636\" data-end=\"704\"><br><\/p>\n<p data-start=\"636\" data-end=\"704\"><strong data-start=\"715\" data-end=\"734\">3. \u5408\u540c\u6761\u6b3e\u5fc5\u987b\u660e\u786e\u8d23\u4efb\u5f52\u5c5e<\/strong><\/p>\n<p data-start=\"736\" data-end=\"773\">\u4e00\u4efd\u5b8c\u5584\u7684\u4e70\u5356\u5408\u7ea6\uff0c\u9700\u8981\u6e05\u695a\u754c\u5b9a\u2014\u2014\u54ea\u4e00\u65b9\u5bf9\u51fa\u552e\u524d\u7684\u6cbb\u7597\u6240\u4ea7\u751f\u7684\u7d22\u8d54\u8d1f\u8d23\u3002<\/p>\n<p data-start=\"775\" data-end=\"809\">\u82e5\u5408\u540c\u672a\u5199\u660e\uff0c\u5356\u65b9\u53ef\u80fd\u5728\u51fa\u552e\u540e\u4ecd\u9700\u627f\u62c5\u539f\u672c\u53ef\u4ee5\u907f\u514d\u7684\u6cd5\u5f8b\u53ca\u8d22\u52a1\u98ce\u9669\u3002<\/p><p data-start=\"775\" data-end=\"809\"><br><\/p>\n<p data-start=\"816\" data-end=\"839\"><strong data-start=\"820\" data-end=\"839\">4. \u4e70\u65b9\u5c3d\u8c03\u4e5f\u4f1a\u5ba1\u67e5\u4fdd\u9669\u8bb0\u5f55<\/strong><\/p>\n<p data-start=\"841\" data-end=\"859\">\u5728\u5c3d\u804c\u8c03\u67e5\u9636\u6bb5\uff0c\u4e70\u65b9\u901a\u5e38\u4f1a\u8981\u6c42\u67e5\u770b\uff1a<\/p>\n<ul data-start=\"861\" data-end=\"905\">\n<li data-start=\"861\" data-end=\"871\">\n<p data-start=\"863\" data-end=\"871\">\u8fc7\u5f80\u7d22\u8d54\u8bb0\u5f55<\/p>\n<\/li>\n<li data-start=\"872\" data-end=\"887\">\n<p data-start=\"874\" data-end=\"887\">\u5f53\u524d\u4e13\u4e1a\u8d23\u4efb\u4fdd\u9669\u7684\u7ec6\u8282<\/p>\n<\/li>\n<li data-start=\"888\" data-end=\"905\">\n<p data-start=\"890\" data-end=\"905\">\u662f\u5426\u5b58\u5728\u5df2\u77e5\u98ce\u9669\u6216\u4e8b\u6545\u62ab\u9732<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"907\" data-end=\"939\">\u53ca\u65f6\u63d0\u4f9b\u8fd9\u4e9b\u4fe1\u606f\uff0c\u4e0d\u4f46\u5efa\u7acb\u4fe1\u4efb\uff0c\u4e5f\u80fd\u63d0\u9ad8\u8c08\u5224\u6548\u7387\uff0c\u52a0\u901f\u4ea4\u6613\u8fdb\u7a0b\u3002<\/p><p data-start=\"907\" data-end=\"939\"><br><\/p>\n<p data-start=\"946\" data-end=\"958\"><strong data-start=\"950\" data-end=\"958\">\u771f\u5b9e\u6848\u4f8b<\/strong><\/p>\n<p data-start=\"960\" data-end=\"1059\">\u6211\u4eec\u66fe\u534f\u52a9\u4e00\u4f4d\u8bca\u6240\u5356\u5bb6\uff0c\u4ed6\u8bef\u4ee5\u4e3a\u4e70\u65b9\u7684\u65b0\u4fdd\u5355\u80fd\u6db5\u76d6\u8fc7\u5f80\u533b\u7597\u884c\u4e3a\uff0c\u4e8e\u662f\u6ca1\u6709\u8d2d\u4e70\u5ef6\u4f38\u4fdd\u969c\u671f\u300218 \u4e2a\u6708\u540e\u67d0\u60a3\u8005\u63d0\u51fa\u6295\u8bc9\uff0c\u7ed3\u679c\u5356\u65b9\u9700<strong data-start=\"1023\" 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data-end=\"1059\">\u4fdd\u9669\u4e0e\u4e13\u4e1a\u8d23\u4efb\u5b89\u6392\uff0c\u7edd\u975e\u7b80\u5355\u7684\u884c\u653f\u7a0b\u5e8f\uff0c\u800c\u662f\u786e\u4fdd\u7259\u79d1\u8bca\u6240\u987a\u5229\u3001\u5b89\u5168\u5b8c\u6210\u51fa\u552e\u7684\u5173\u952e\u6b65\u9aa4\u3002\u65e0\u8bba\u60a8\u8ba1\u5212\u9000\u4f11\u3001\u79fb\u5c45\u3001\u6216\u8f6c\u6362\u804c\u4e1a\u89d2\u8272\uff0c\u4e86\u89e3\u76f8\u5173\u4e49\u52a1\u4e0e\u98ce\u9669\uff0c\u662f\u4fdd\u969c\u8d22\u52a1\u4e0e\u6cd5\u5f8b\u5b89\u5168\u7684\u6700\u4f73\u65b9\u5f0f\u3002<\/p>\n<\/section>\n<\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u5728\u51c6\u5907\u51fa\u552e\u7259\u79d1\u8bca\u6240\u65f6\uff0c\u7259\u79d1\u4e1a\u4e3b\u5f80\u5f80\u628a\u6ce8\u610f\u529b\u653e\u5728\u8d22\u52a1\u8868\u73b0\u3001\u79df\u7ea6\u6761\u6b3e\u3001\u60a3\u8005\u7559\u5b58\u4ee5\u53ca\u4ea4\u63a5\u5b89\u6392\u4e0a\u3002\u7136\u800c\uff0c\u5f88\u591a\u8bca\u6240\u51fa\u552e\u65f6 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[229,226,205,225],"tags":[],"class_list":["post-17619","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-229","category-226","category-205","category-225"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u51fa\u552e\u7259\u79d1\u8bca\u6240\uff1f\u522b\u5ffd\u7565\u4fdd\u9669\u4e0e\u4e13\u4e1a\u8d23\u4efb\u98ce\u9669 - Sinosmart<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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