10. 保险
业主应当按照以下规定，根据中国人民保险公司的标准除外，财产限制和条件提供和购买所有的保险，(“中国人民保险公司”)。双方理解承包商在根据本施工合同和合同文件履行其义务时可以依赖此保险单，但是承包商陈述它已经检查了业主提供的保险条款和限制，已经获得了并将缴纳根据本施工合同和合同文件需要提供的但业主提供的保险没有覆盖的义务的其他保险。此种保险应当一直有效直至业主接受工作，除非另有说明。
建筑商的风险
业主应当为项目地点上完全完成的工作购买并缴纳财产保险此种财产保险应当以修理和替换的费用为基础，以中国人民保险公司的标准例外，财产限制和条件为准。此种保险应当包括业主，建筑师，承包商和分包商对工作享有的利益并应投保“直接物质损失和损坏的一切险”。每发生一次保险事故，保险单扣除人民币50,000元。这些扣除由造成损失的承包商和分包商承担。
第三方责任
第三方责任限制不少于一次保险事故人民币一千万元（￥50,000,000）和总计人民币五千万元（￥50,000,000）。每发生一次保险事故，保险单扣除人民币20,000元。这些扣除由造成损失的承包商和分包商承担。
雇主责任
雇主责任应包括针对管理人员不少于人民币四十万元（￥400,000）（￥300,000的疾病补助和￥100,000的医疗费用）和针对劳动者不少于人民币十五万元（￥150,000）（￥100,000的疾病补助和￥50,000的医疗费用）的责任限制。
华译网上海翻译公司曾经翻译过大量有关施工合同的保险资料文件。
Beijing Chinese Subtitling Translation Service Agency has translated many technical documents about construction of the insurance contract.
10. INSURANCE
The Owner shall provide and pay for all insurances as indicated below for the Project, subject to standard exclusions, property limitations and conditions set forth by the People’s Insurance Company of China (“PICC”). It is understood that the Contractor may rely on this policy in the execution of its obligations pursuant to this Construction Contract and the Contract Documents, however, the Contractor represents that it has reviewed the terms and limits of the insurances provided by the Owner and that it has obtained and shall maintain all other insurances it may require to provide for its obligations pursuant to this Construction Contract and the Contract Documents which may not be covered by the insurances provided by the Owner. Such insurance shall be kept in full force and effect until acceptance of the Work by Owner, except as otherwise noted.
Builder's Risk
The Owner shall purchase and maintain property insurance upon the entire completed Work at the Project Site. Such property insurance shall be written on a repair or replacement cost basis, subject to standard exclusions, property limitations and conditions set forth by PICC. Such insurance shall include the interests of the Owner, Architect, Contractor, and Subcontractors in the Work and shall insure against “All Risk of direct physical loss or damage”. Such policy of insurance shall bear a deductible of ￥50,000 each occurrence. The deductible shall be borne by the Contractor and Subcontractors who incurred the loss.
Third-Party Liability
Third-Party Liability limits shall not be less than Ten Million RMB (￥50,000,000) per occurrence and Fifty Million RMB (￥50,000,000) in aggregate. Such policy of insurance shall bear a deductible of ￥20,000 each occurrence. The deductible shall be borne by the Contractor and Subcontractors who incurred the loss.
Employers' Liability
Employers' Liability shall include limits of liability not less than Four Hundred Thousand RMB (￥400,000) (￥300,000 for disease and ￥100,000 for medical) for managerial personnel and One Hundred Fifty Thousand RMB (￥150,000) (￥100,000 for disease and ￥50,000 for medical) for labors.
