Insurance liability

During the insurance period, the insurer shall be liable for compensation in accordance with the provisions of this insurance contract for material damage or loss (hereinafter referred to as "loss") caused by or constituting a sudden and unpredictable accident due to the following reasons:
（1） Design, manufacturing or installation errors, casting and raw material defects;
（2） Wrong operation, inexperience, poor technology, negligence, negligence and malicious behavior of workers and technicians;
（3） Fracture caused by centrifugal force;
（4） Overload, overvoltage, line collision, arc, electric leakage, short circuit, atmospheric discharge, induced electricity and other electrical reasons; （5） Other reasons other than "exemption of liability" in this clause.
After the occurrence of an insured accident, the insurer shall also be liable for the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the subject-matter insured in accordance with the provisions of this insurance contract.

Exemption from liability

The insurer shall not be liable for the losses and expenses caused by the following reasons:
（1） Intentional act or gross negligence of the insured and its representatives;
（2） The defects or deficiencies of the insurance machinery and its ancillary equipment that the insured and its representatives know or should know before the commencement of this insurance;
（3） War, similar acts of war, hostilities, armed conflict, terrorist activities, rebellion, coup, strike, riot and civil commotion;
（4） Confiscation, requisition, destruction or destruction by government order or any public authority;
（5） Nuclear fission, nuclear fusion, nuclear weapons, nuclear materials, nuclear radiation and radioactive pollution;
（6） The inevitable consequences caused by the operation of machinery and equipment, such as natural wear, oxidation, corrosion, corrosion, pitting, pot scale and other physical changes or chemical reactions;
（7） Power, gas and water cut-off caused by restricted supply of public facilities and intentional acts or non accidents;
（8） Fire and explosion;
（9） Earthquake, tsunami and their secondary disasters
（10） Lightning strike, hurricane, typhoon, tornado, storm, rainstorm, flood, hail, ground avalanche, mountain avalanche, avalanche, volcanic eruption, ground subsidence and other natural disasters;
（11） Aircraft crash, aircraft parts or aircraft objects falling;
（12） Motor vehicle collision;
（13） Water tank and water pipe burst.
The insurer shall not be liable for the following losses and expenses:
（1） Various indirect losses or expenses incurred after the occurrence of the insured accident;
（2） All kinds of conveyor belts, cables, metal wires, chains, tires, replaceable or replaceable drill bits, drill pipes, cutting tools, printing rollers, sleeves, movable pipes, glass, magnetic, ceramic and steel screens, mesh screens, felt products, all media in operation (such as lubricating oil, fuel, catalyst, etc.) and other vulnerable and consumable articles;
（3） Losses or expenses that should be borne by the supplier, manufacturer, installer or repairer according to law or contract;
（4） Additional costs arising from any change, performance increase or improvement of the insurance machinery and equipment in the process of repair or replacement;
（5） The deductible specified in this insurance contract or calculated according to the deductible ratio specified in this insurance contract.