保险条款之碎碎念：Following Form, Waiver of Subrogation及Primary & Noncontributory
近日有个童鞋发来一段采购协议中的保险条款，说是不少地方没看懂（甚至怀疑原文有误）。我大概瞄了一下，是比较典型的保险条款，原文并无错误之处，但是由于涉及的保险法基础知识和概念比较多，其中又有不少英美法的特有表达方式，所以如果没有点法学底子和对法律英文表达法的熟捻，的确会感觉一头雾水。现在我就不揣鄙陋，借这个比较典型的保险条款，掰扯掰扯里面几个比较重要的术语和理解难点。原文如下： Insurance. Seller shall provide and maintain throughout the term of this Agreement, inclusive of any warranty obligations, the following insurance: (a) Workers’ Compensation: Statutory in accordance with the state or jurisdiction in which the services are being performed; (b) Employers’ Liability in the amount of $XXX each occurrence; (c) Commercial Grade Liability with limits of $XXX each occurrence, $XXX aggregate, for bodily injury and property damage combined. Policy will include the following coverage features: (1) blanket contractual liability, (2) Products and (3) independent contractors coverage; (d) Automobile Liability with limits of $XXX each occurrence for bodily injury and property damage combined. Coverage will include “owned”, “hired” and “non-owned” automobiles; and (e) Umbrella or E...