兹因本保险单附表所载被保险人向××××保险公司（以下简称本公司）递交投保申请书（该申请书作为本保险单的一部分）投保电脑资料险，并已缴付约定的保险费，本公司同意：在本保险期限内附表所列保险财产在附表指明的处所由于保单所保的风险而遭到摧毁或损坏时，可根据本保险单所列条款、附表，保险协议书、除外责任及总则，对被保险人遭受的损失按下列规定予以赔偿。
　　 但本公司在保险期限内的赔偿责任以保险单附表所列的数额为限，除非保险金额在本公司给付一次赔款以后，已由被保险人加缴保险费予以恢复。
　　 特签署本保险单，以资证明。
　　 ××××保险公司
　　 年 月 日
　　 附表
　　 1. 被保险人：
　　 2. 营业处所：
　　 3. 经营业务：
　　 4. 保险金额：
　　 5. 免赔额：
　　 6. 保险期限：
　　 7. 年费率：
　　 8. 保险费：

保险协议（一）

数据处理系统设备（硬件）

　　 1. 保险财产：数据处理系统包括设备及属被保险人所有或租借由被保险人控制的所有部件，详见附单。
　　 2. 不保财产：本保险协议不保下述财产：
　　 （1）常用数据处理传导体，即被保险人在数据处理操作中所使用的所有形式的转换数据和/或程序和/或指示装置。
　　 （2）帐册、帐单、债务单据、有价证券、记录、摘录、契据、手稿、或其他文件。
　　 （3）不在被保险人营业处所租用给他人的财产。
　　 3. 赔偿限额：详见附表所列清单。
　　 4. 承保风险：本保险协议承保所保财产直接物质损失或损坏的一切风险，但下述各项除外。
　　 5. 不保风险：本保险协议对由于下述原因直接或间接造成的损失、损坏，或费用不负赔偿责任：
　　 （1）由于错误建筑、错误设计所造成的损失，除非由于引起火灾或爆炸及由这种火灾或爆炸所造成的损失或引起的费用。
　　 （2）内在缺陷、磨损，渐进性变质或贬值。
　　 （3）任何被保险人或其合伙人、高级职员、经理或受托人的任何不忠诚、欺骗或犯罪行为，不论这种行为是单独行动或与他人共谋。
　　 （4）空气干燥、潮湿、温度极度变化、腐蚀或生锈，但本保险协议中规定承担的风险所直接引起的数据处理系统空调设施的物质损失除外。
　　 （5）干扰，但由于本保险协议中规定承担的风险而造成的损失或损坏所引起的干扰除外。
　　 （6）对所保险财产进行实际作业，除非由于引起火灾，爆炸及由这种火灾或爆炸所造成的损失或损坏或引起的费用。
　　 （7）延误或丧失市场（市价跌落）。
　　 （8）本保险协议所属保险单除外不保的战争及核危险。
　　 6. 定值：
　　 重置价格──本公司对发生任何损失或损坏时，财产的实际零售重置价格的超过部分，不负赔偿责任。损失或损坏应根据发生损失地点及紧接发生损失时间之前重置所保同类财产的实际现金零售价格予以确定或估计，但在任何情况下，都不能超过附表所列清单中规定的赔偿限额。
　　 7. 条款差别：本保险规定被保险人应递交本公司一份有关本保险单所保财产的出租或租用协议书（就出租人对上述财产的损失或损坏所承担的责任而言）。本保险单的保险范围仅应为上述出租或租用协议书以及本保险协议的条款之间的差别部分。被保险人同意将上述有关出租人责任的上列出租或租用协议书的任何变更、取消或终止情况在三十天内通知本公司。
　　 与本保险单没有抵触的其他一切条款均维持不变。

保险协议（二）

数据处理媒介（软件）

　　 1. 保险财产：活数据处理媒介（属于被保险人的财产或由被保险人负责的他人的财产）。
　　 2. 不保财产：本保险协议不承保帐册、帐单、债务单据、有价证券、记录、摘录、契据、手稿或其他文件。但可以转换成数据处理媒介形式的例外，但在此情况下也只限于数据处理媒介形式，或不能用其他类似种类或质量所代替的任何数据处理媒介。
　　 3. 赔偿限额：详见附表所列清单。
　　 4. 承保风险：本保险协议除下述除外的风险外，承保所保财产直接物质损失或损坏的一切风险。
　　 5. 除外风险：本保险协议对直接或间接由于下述原因造成的损失或损坏或产生的费用不负赔偿责任：
　　 （1）数据处理媒介通过系统进行操作时，数据处理媒介失灵，损坏或数据处理系统包括设备及组成部件发生故障，除非引起火灾或爆炸，但在此情况下只限于这种火灾或爆炸造成的损失或损坏，或产生的费用。
　　 （2）电磁伤害，电子记录受到干扰或被清除，但受雷击的除外。
　　 （3）大气干燥或潮湿、温度极度变化、腐蚀或生锈，但本保险协议中规定承担的风险所直接引起的数据处理系统空调设施的物质损坏除外。
　　 （4）延误或丧失市场（市价跌落）。
　　 （5）内在缺陷、磨损，渐进性变质或贬值。
　　 （6）任何被保险人或其合伙人、高级职员、经理或受托人的任何不忠诚、欺骗或犯罪行为，不论这种行为系单独行动或与他人共谋。
　　 （7）本保险协议所属保险单除外不保的战争及核危险。
　　 6. 定值：本公司对损失或损坏的赔偿责任，以财产的实际重置价格为限。如果不重置或再制，则以媒介本身的价值为限。不论何种情况都应以附表所附清单订明的赔偿责任为根据。
　　 7. 定义：本契约所用的"活数据资料处理媒介"名称，应指被保险人在数据处理操作中所使用的所有形式的转换数据和/或程序和/或指示装置，但所有这种未使用及未保险的财产除外。
　　 与本保险单没有抵触的其他一切条款均维持不变。

除外责任

　　 本保险单对由于下列原因直接或间接引起的损失、损坏或费用不负赔偿责任。
　　 1. 由法律上或事实上的政府、国家或财产所在地区的公共、市政、或地方当局下令没收、强征、征用、破坏或损毁财产所造成的损失或损坏。
　　 2. 下述事件直接或间接造成或导致的损失或损坏：
　　 战争、入侵、外敌行动、敌对或类似战争行动（不论宣战与否）、内战、兵变、达到民众起义规模的民众骚乱、军事起义、暴动、反叛、革命、武力、篡权、没收、强征或任何组织的代表或与任何组织有关的任何人员以武力推翻法律上或事实上的政府的任何行为，或旨在以恐怖行为或暴力对其施加影响的任何行为。
　　 在任何行动或诉讼中，如果本公司宣称，由于本条规定、损失或损坏不在本保险范围以内则应由被保险人举证证明损失或损坏属于保险责任范围以内。
　　 3. 由于核反应、核辐射或放射性污染，不论是否可以控制的，也不论这项损失是直接或间接的，近因或远因的，全部或部分的，由本保险单所保的风险造成或加重的。但根据上述及本保险单一切规定，由于核反应，或核辐射污染引起火灾而直接造成的损失，属于本保险单责任范围以内。

总则

　　 1. 搬动：本保险单提供的保险，适用于由于有损失或损坏的紧迫危险，所保财产搬到安全处所之时及在安全处所之时，以及从该处搬回之时。但以被保险人在搬动后十天之内通知本公司为限。
　　 2. 其他保险：如果被保险人或其他利益方另有其他保险，则本保险单项下的保险仅应用作上述其他保险之后的超额保险。
　　 3. 转让：本保险单项下的利益转让，须在本保险单有本公司同意的批注后，对本公司方有约束力。但如被保险人死亡，或被判决破产、或无清偿能力，并在这项判决之日后六十天内以书面通知本公司，则本保险单以负责承保被保险人的合法代表作为被保险人，但发送本保险单所列被保险人，并寄至本保险单所载地址的注销通知书，应为注销本保险单的足够通知。
　　 4. 伪报与欺骗：不论发生损失前后，如果被保险人隐瞒、伪报与本保险或本保险的标的有关的任何重要事实或情况，或对本保险或本保险标的的任何事项进行欺骗或企图欺骗或作虚假宣誓，本保险应予失效。
　　 5. 损失通知：被保险人应尽快通知本公司或其代理人可能在本保险单项下构成一项索赔的每一笔损失或每一项损坏，并应在损失发生之日起九十天内将损失证明递交本公司或其代理人。如被保险人没来报告上述损失或损坏及提供有关损失的证明，本保险单项下的索赔应予无效。
　　 6. 损失赔偿：所有索赔均应在递交本公司满意的权益及损失证明，并由本公司接受这项证明后六十天内赔付给被保险人。如被保险人已从其他方取得赔款，本公司不再赔偿这项损失。
　　 7. 救助费用：如发生损失或损坏，应由被保险人或其代理人、雇员及受让人进行救助，以保卫、维护、追偿所保财产，或其任何部分，以上任何行动对本保险均无妨碍。发生损失或损坏时，被保险人或本公司追偿、救助和保存所保财产的行为，不应视为放弃或接受委付。对由此产生的费用，本公司可按照所保金额予以分摊。
　　 8. 清除毁坏物：本保险单扩展承保本保险单所保风险造成所保财产的损失，而对损坏财产进行清除时所产生的费用。但本项附加责任在任何情况下都不能增加附表所列清单中规定的赔偿限额。
　　 9. 比例赔付：本保险单所保金额如低于发生损失时的重置价格或重造价格（视情况而定），本公司仅能按所保金额与重置与重造数额比例赔付。本保险单项下如不止一个保险金额，则每一项都应按上述条件分别处理。
　　 10. 恢复保额：遭受损失后，为了不使保险金额减少，被保险人可以加交自受损之日起至保险满期日止的适当额外保险费，恢复保险金额。
　　 11. 权益转让：在本保险单项下支付赔款后，被保险人向任何人或组织的追偿损失的权利，应转让给本公司。被保险人应制成及递交文件，并做其他一切必要的工作，以确保此项权利。发生损失后，被保险人不应做有损此项权利的任何事情。
　　 12. 宣誓审查：被保险人应受并在其职权范围内使财产的其他有关利益方或雇员受本公司指定的任何人对有关赔案的一切事项的宣誓审查。被保险人还应在本公司或其代表指定的合理时间或地点出示所有帐册、帐单、发票及其他单据，或经证明的副本（如正本丢失），以供审查，并应允许摘录或缮制副本。
　　 13. 防止损失：被保险人应采取合理的预防措施，防止所保财产发生意外事故。对本公司代表提出的合理防损建议，应认真考虑并付诸实施。如被保险拒绝采纳本公司提出的防损建议，本公司对由此而引起的损失，有权拒绝赔偿。
　　 14. 更改通知：如所保财产有任何变更或增加风险，被保险人应立即以书面通知本公司，由本公司对此在保险单上予以批注。如果被保险人没有采取上述行动，本公司对由此变更或增加风险而产生的损失，不负赔偿责任。
　　 15. 注销：被保险人可随时申请终止本保险单，本公司也可在十五天前通知被保险人注销保险单。保险单已生效期间的保险费，前者按本公司短期费率计算，后者按日平均费率计算。
　　 16. 争议处理：被保险人与本公司之间的一切有关本保险的争议，应通过友好协商解决，如果协商不成，可提交仲裁机构或法院审理。除另有协议外，仲裁或法律诉讼应在被告所在地进行。

DATA PROCESSING POLICY

　　 Whereas the insured named in the schedule hereto has made to××××(hereinafter called "the Company") an application for Data processing insurance which for the purpose of this policy is deemed to be incorporated herein, and has paid to the Company the agreed premium.
　　 Now the Company hereby agrees, subject to the terms and conditions, Schedule, Insurance Agreements, General Exclusions and General Conditions contained herein or attached hereon, that if during the period of insurance the insured property described in the premises specified in the Schedule.
　　 Then the Company will indemnify the Insured for such loss or damage in the manner hereafter provided.
　　 Provided always that the liability of the Company for the period of insurance shall in no case exceed the sum stated in the schedule of this policy, save and except where the sum insured has been duly reinstated by the insured at an additional premium upon a loss payment by the Company.
　　 In witness whereof, this Policy has been signed in ____________.

　　　　　　　　　　　　　　　　　　　　　　　　　　　　by

　　 On_______________________________________________________________

　　 SCHEDULE
　　 1. The Insured:
　　 2. The Premise:
　　 3. Business:
　　 4. Sum Insured:
　　 5. Deductible:
　　 6. Period of Insurance:
　　 7. Annual Rate:
　　 8. Premium:

INSURANCE AGEEMENT NO.1
　　 DATA PROCESSING SYSTEM EQUIPMENT

　　 1. Property Covered
　　 Data processing system including equipment and component parts thereof owned by the Insured or leased, rented or under the control of the Insured, all as per the list attached hereto.
　　 2. Property Excluded
　　 This Insuring Agreement does not insure:
　　 (1) Active data processing media which is hereby defined as meaning all forms of converted data and/or program and/or instruction vehicles employed in the Insured's data processing operation;
　　 (2) Accounts, bills, evidences of debt, valuable papers, records, abstracts, deeds manuscripts, or other documents;
　　 (3) Property rented or leased to others while away from the premises of the Insured.
　　 3. Limits of Liability
　　 See schedule as per the list attached.
　　 4. Perils Insured
　　 This Insuring Agreement insures against all risks of direct physical loss or damage to the property covered including any negligence by the Insured's authorized employees except as hereinafter provided.
　　 5. Perils Excluded
　　 This Insuring Agreement does not insure against loss, damage or expense caused directly or indirectly by:
　　 (1) Damage due faulty construction, error in design unless fire or explosion ensues, and then only for loss, damage, or expense caused by such ensueing fire and explosion;
　　 (2) Inherent vice, wear, tear, gradual deterioration or depreciation;
　　 (3) Any dishonest, fraudulent or criminal act by any insured, a partner therein or an officer, director or trustee thereof, whether acting alone or in collusion with others;
　　 (4) Dryness or dampness of atmosphere, extremes of temperature, corrosion, or rust unless directly resulting from physical damage to the data processing system's conditioning facilities, caused by a peril not excluded by the provisions of this Insuring Agreement;
　　 (5) Derangement unless accompanied by damage caused by a peril not excluded by the provisions of this Insuring Agreement;
　　 (6) Actual work upon the property covered, unless fire or explosion ensues, and then only for loss, damage, or expense caused by such ensuing fire or explosion;
　　 (7) Delay or loss of market;
　　 (8) War risks or nuclear risks as excluded in the Policy to which this Insuring Agreement is attached.
　　 6. Valuation
　　 Replacement Cost-The Company shall not be liable beyond the actual retail replacement cost of the property at the time any loss or damage occurs and the loss or damage shall be ascertained or estimated on the basis of the actual cash retail replacement cost of property similar in kind to that Insured at the place of the and immediately preceding the time of such loss or damage, but in no event to exceed the limit of liability stipulated in the Schedule as per the list attached.
　　 7. Difference in Conditions
　　 It is a condition of this Insurance that the insured shall file with this Company a copy of any lease or rental agreement pertaining to the property insured hereunder insofar as concerns the lessor's liability for loss or damage to said property, and coverage afforded hereunder shall be only for the difference in conditions between those contained in said lease or rental agreement and the terms of this Insuring Agreement. The insured agrees to give this Company thirty days notice of any alteration, cancellation or termination of the above mentioned lease or rental agreement pertaining to the lessors' liability.
　　 All other terms and conditions of the Policy not in conflict herewith remain unchanged.

INSURING AGREEMENT NO.2
　　 DATA PROCESSING MEDIA

　　 1. Property Insured
　　 Active data processing media, being property of the Insured or property of others for which the Insured may be liable.
　　 2. Property Excluded
　　 This insuring Agreement does not insure accounts, bills, evidences of debt, valuable papers, records, abstracts, deeds, manuscripts or other documents except as they may be concerted to data processing media from, and then only that from, or any data processing media which cannot be replaced with other of like kind and quality.
　　 3. Limits of Liability
　　 See the Schedule as per the list attached.
　　 4. Perils Insured
　　 This Insuring Agreement insures against all risks of direct physical loss or damage to the property covered including any negligence by the Insured's authorized employees except as hereafter provided.
　　 5. Perils Excluded
　　 This Insuring Agreement does not insures against all risks of direct physical loss or damage to the property covered including any negligence by the Insured's authorized employees excepts as hereinafter provided.
　　 (1) Data processing media failure or breakdown or malfunction of the data processing system including equipment and component parts while said media is being run through the system, unless fire or explosion ensues and then only for the loss, damage or expenses caused by such ensuing fire or explosion;
　　 (2) Electrical or magnetic injury, disturbance or ensure of electronic recordings, except lightning;
　　 (3) Dryness or dampness of atmosphere, extremes of temperature, corrosion, or rust unless directly resulting from physical damage to the data processing system's conditioning facilities caused by a peril not excluded by the provisions of this Insuring Agreement;
　　 (4) Delay or loss of market;
　　 (5) Inherent vice, wear, tear, gradual deterioration of depreciation;
　　 (6) Any dishonest, fraudulent or criminal act by any Insured, a partner therein of an officer, director or trustee thereof, whether acting alone or in collusion with others;
　　 (7) War risks or nuclear risks as excluded in the Policy to which this Insuring Agreement is attached.
　　 6. Valuation
　　 The limit of this Company's liability for loss or damage shall not exceed the actual reproduction cost of the property; if not replaced or reproduced, blank value of media; all subject to the applicable limit of liability stated in the schedule as per the list attached.
　　 7. Definitions
　　 The term "active data processing media", wherever used in this contract, shall mean all forms of converted data and/or program and/or instruction vehicles employed in the Insured's data processing operation, except all such unused property, and the uninsured property.
　　 All other terms and conditions of the Policy not in conflict herewith remain unchanged.

GENERAL EXCLUSIONS

　　 This Policy does not insure against loss, damage or expense caused directly or indirectly by
　　 1. Loss or damage occasioned by confiscation, commandering, requisition, or destruction of or damage to property by order of the Government de jure or de facto or any public, municipal or local authority of the country or area in which the property is situated;
　　 2. Loss or damage occasioned by or through or in consequence, directly or indirectly, of the following occurrences, namely:
　　 War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war; Mutiny, civil commotion assuming the proportion of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military of usurped power, confiscation, commandering, or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow be force of the Government de jure or de facto or to the influencing of it by terrorism or violence.
　　 In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.
　　 3. Loss by nuclear reaction radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote, or be in whole or in part caused by, contributed to, or aggravated by the peril(s) insured against in this policy; however, subject to the foregoing and all provisions of this policy, direct loss by fire resulting from nuclear reaction or nuclear radioactive contamination is insured against by this policy.

GENERAL CONDITIONS

　　 1.Removal
　　 Such insurance as is afforded by this Policy applied while the property insured is being removed to and while at place of safety because of imminent danger of loss or damage and while being returned from such place, provided the insured gives written notice to this Company of such removal within ten days thereafter.
　　 2. Other Insurance
　　 If there is available to the Insured or any other Interested party any other insurance which would apply in the absence of this Policy, the insurance under this Policy shall apply only as excess insurance over such other insurance.
　　 3. Assignment
　　 Assignment of interest under this Policy shall not bind the Company until its consent is endorsed hereon; if, however, the Insured shall die, or shall be adjudged bankrupt or insolvent and written notice is given to the Company within sixty days after the data of such adjudication this Policy shall cover the Insured's legal representative as insured; provided that notice of cancellation addressed to the Insured named in this policy and mailed to the address shown in this Policy shall be sufficient notice to effect cancellation of this Policy.
　　 4. Misrepresentation and Fraud
　　 This Policy shall be void the Insured has concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof or in case of any fraud, attemptted fraud or false swearing by the Insured touching any matter relating to this insurance or the subject thereof, whether before of after a loss.
　　 5. Notice of Loss
　　 The Insured shall as soon as practicable report to this Company or its agent every loss or damage which may become a claim under this Policy and shall also file with the Company or its agent within ninety (90) days from data of loss a detailed sworn proof of loss. Failure by the Insured to report the said loss or damage and to file such sworn proof of loss as hereinbefore provided shall invalidate any claim under this Policy for such loss.
　　 6. Settlement of Loss
　　 All adjusted claims shall be paid or made good to the Insured within sixty days after presentation and acceptance of satisfactory proofs of interest and loss at the office of this Company. No loss shall be paid or made good if the Insured has collected the same from others.
　　 7. Sue & Labour
　　 In case of loss or damage, it shall be lawful and necessary for the Insured, or his or their factors, servants and assigns, to sue labour and travel for, in and about the defense, safeguard and recovery of the property insured hereunder, or any part thereof, without prejudice to this insurance; nor shall the acts of the Insured or this Company, in recovering, saving and preserving the property insured in case of loss or damage, be considered a waiver or a acceptance of abandonment, to the charge whereof this Company will contribute according to the rate and quantity of the sum herein insured.
　　 8.Debris Removal
　　 This Policy is extended to cover expenses incurred in the removal of all debris of the damage property insurance hereunder which may be occasioned by loss caused by any of the perils insured against in this Policy. In no event shall the additional coverage granted by this paragraph increase the Limit of Liability specified in the Schedule as per the list attached.
　　 9. Average
　　 If the sum insured in this Policy is less tan the replacement cost and/or the reproduction cost at the time of loss as the case may be, the amount of replacement and/or reproduction cost. Every item if more than one insured under this Policy shall be subject to this condition separately.
　　 10. Reinstatement
　　 In consideration of this insurance not being reduced by the amount of any loss, the sum insured may be reinstated by the insured subject to an appropriate extra premium on the amount of the loss from the date of such loss to the date of expiry of the period of insurance.
　　 11. Subrogation
　　 In the event of any payment under this Policy the Company shall be subrogate to all the Insured's rights or recovery therefor against any person or organization and the Insured shall execute and deliver instruments and papers and do whatever else in necessary to secure such rights. The Insured shall do nothing after loss to prejudice such rights.
　　 12. Examination under Oath
　　 The Insured shall submit, and so far as is within his or their power shall cause all other persons interested in the property and employees to submit, to examinations under oath by any persons named by the Company, relative to any and all matters in connection with a claim and subscribe the same; and shall produce for examination all books of account, bills, invoices, and other vouchers or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by the Company or its representatives, and shall permit extracts and copies thereof to be made.
　　 13. Loss Prevention
　　 The Insured shall take reasonable precautionary measures to prevent accidents to the insured property and give serious consideration to and put into practice any justified recommendations for loss prevention put forward by the representative from the Company, the Company shall be entitled to turn down any claim arising therefrom.
　　 14. Notice of Alteration
　　 In case of any change in the insured property or increase in the risk exposure, the Insured shall forthwith advise the Company in writing for the latter to endorse the Policy accordingly. If the Insured fails to do so, the Company shall not be liable for any loss or damage resulting from such change or increased risk exposure.
　　 15. Cancellation
　　 This Policy may be either terminated at any time at the request of the Insured or cancelled at any time at the option of the Company by giving a fifteenday prior notice to the Insured. In the former case the Company shall retain a premium calculated on short period rating basis for the time this Policy has been in force while in the latter case such premium shall be calculated on pro rata daily basis.
　　 16. Treatment of Dispute
　　 All dispute arising between the Insured and the Company under this insurance shall be settled through friendly negotiations. Where both sides fail to reach a settlement after negotiations, such dispute shall be submitted to arbitration or to court for legal action. Unless otherwise agreed, arbitration or legal action shall be carried out in the place where the defendant is domiciled.

电脑保险单解释

　　电脑保险是根据电子计算机风险的特殊性而设计的一种财产保险，它与财产一切险相类似，除了列明的除外责任外，由于其他风险引起的损失都应得到赔偿。

一、数据处理系统设备（硬件）

　　 1.保险财产：数据处理设备部分，即电脑的硬件部分，包括主机、终端、电缆、电线及键盘等由被保险人所有或控制的设备。
　　 2. 不保财产：保险公司不予保险的被保险人的财产。
　　 3. 赔偿限额：即单项保险金额和总赔偿金额，发生部分损失时，按附表的单项保险金额赔偿，发生全部损失时，则按总赔偿金额而不超过总赔偿金额赔偿。
　　 4. 承保风险：除了列明的不保的风险引起的损失外，所有的风险引起的直接物质损失都是可赔偿的。
　　 5. 不保风险：保险公司不予承保的风险
　　 （1）设备部分（包括机房）由于错误建筑，设计造成的损失除外，但由于错误建筑、设计而引起火灾或爆炸并造成损失或引起费用仍包括在保险责任范围中。
　　 （2）被保险财产本身存有缺陷、自然磨损、消耗逐渐变质或者失去或降低市场价值除外。
　　 （3）被保险人及其代表、合作伙伴、高级雇员或者受委托管理被保险财产的人的不诚实，欺骗或犯罪行为造成的被保险财产损失除外。
　　 （4）计算机房不符合设计要求，使空气过于干燥或温度过大或温差极大变化以及设备发生腐蚀或锈蚀所引起的被保险财产损失除外。但如果是由于保险责任范围内的风险直接引起数据处理系统，空调设施的物质损失仍属保险责任范围。
　　 （5）干扰、指妨碍电子设备正常接收信号的电磁振荡，这种干扰造成的损失是除外的，但如要是由于保险责任范围内的风险造成损失所引起的干扰并造成设备的物质损失仍属保险责任范围。
　　 （6）在实际操作中引起的损失，但如果在操作中引起火灾或爆炸而造成设备损失或费用仍属保险责任范围。
　　 （7）不论任何原因造成延迟上市或者失去市场而使产品市价跌落的损失。
　　 6. 定值：电脑保险应以重置价格即以设备的重新购置或者再制作价格作为保险金额。发生损失时，保险公司根据发生损失的地点及损失当时的同类产品零售价确定赔偿金额。如果实际零售重置价超过保险金额，对超过部分不负责赔偿。
　　 7. 条款差别：指被保险人的财产如果是租用的或出租给别人的，则需提供给保险公司一份租用或出租合同协议书，该合同或协议书中列明的应由出租方和租用方承担的责任保险公司是不予承保的，保险公司承保的责任仅为租用合同或协议书中与保险协议除外责任条款之间的差别部分，如果出租合同或者协议书中的租用人或出租人应承担的责任有任何变更时应在30天内通知保险公司。

二、数据处理媒介（软件）

　　 数据处理媒体部分：即电脑的软件部分，包括储有各种形式的转换数据、程序、或指令的磁带、磁盘等。
　　 除外风险包括：
　　 （1）数据处理媒体通过系统进行操作时，媒体失灵，损坏。
　　 （2）电磁伤害，电子记录导致干扰消除。
　　 其它除外风险与设备部分中相同
　　 除外责任：
　　 这一除外责任指电脑保险单中的总除外责任，适用于电脑保险单中保险协议（一）和保险协议（二）。