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Exclusion for Software and Data-Related Losses
The following exclusion supersedes any policy provision to the contrary.
(1) Except as specifically provided for in 2. of this endorsement, the insurer will not pay for any Software Loss. This exclusion does not apply if the Software Loss results solely from direct physical loss of, or direct physical damage to, the equipment, hardware, medial or device on which the program, computer software or operating systems, programming instructions, or data are transported, software Loss means loss of or damage to any program (s), computer software or operating system(s), programming instruction(s) or data arising out of or resulting from any failure, malfunction, deficiency, deletion, fault, Virus, Deletion or corruption. Software loss includes, but is not limited to, loss or damage resulting from any authorized or unauthorized access in. of or to any computer, communication system. File server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, any program, computer software or operating systems, programming instructions or data.
(2) This exclusion does not apply to direct physical loss or direct physical damage to tangible property that results from a Software Loss. For the purposes of this endorsement, program(s), computer software or operating system(s), programming instruction(s) and data are not tangible property.
(3) Virus means software, data or code that affects the operation or functionality of any computer, communication system, file server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, program, computer software or operating systems, programming instructions or data including, but not limited to, any destructive program, computer code, computer virus, worm, logic bomb, denial of service attack, smurf attack, vandalism, Trojan Horse or any other data introduced into any electronic system causing deletion, destruction, degradation, corruption, malfunction or compromise to your data, software or electronic business systems.

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保险案例

中国太平洋财产保险股份有限公司

企业财产保险通用附加险条款

企业财产保险通用附加险条款适用于各类企业财产保险,包括扩展类、限制类和规范类三大类别,共243个附加险条款,其中扩展类附加条款38个,限制类附加条款16个,规范类附加条款189个。

附加险条款目录

一、扩展类

1、罢工、暴动、民众骚乱条款

2、破坏性地震扩展条款

3、地震扩展条款

4、内陆运输扩展条款

5、铁路机车保险条款

6、电器设备损失条款

7、电气、机械事故扩展条款

8、第三者责任条款

9、试驾车辆条款

10、机器损坏险扩展条款

11、恐怖活动扩展条款A

12、恐怖活动扩展条款B

13、附加水暖管爆裂保险条款

14、附加暴风、暴雨、洪水保险条款

15、附加泥石流、崖崩、突发性滑坡保险条款

16、附加雹灾保险条款

17、附加雪灾、冰凌保险条款

18、盗窃险扩展条款

19、偷窃条款

20、地震海啸扩展条款

21、机器设备试车条款

22、修理延误利损条款

23、媒介物扩展条款

24、政府当局条款

25、通道堵塞条款

26、遗失欠款帐册条款

27、谋杀等条款

28、不具名供应商及顾客扩展条款

29、顾客/ 供应商条款

30、关联条款

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