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作者 | 何舒旦
校正 | 刘宇飞
第十六天就来介绍介绍关于16的考点吧。出自于建筑师职业修炼手册(The Architect's Handbook of Practice), 简称AHPP的第16章节——Risk Management。
| Business Interruption Insurance |
aka：运营倒霉补偿险
原文：
“Business interruption insurance reimburses the architect for ongoing expenses and loss of profits in the event of a fire or other casualty that interrupts normal business operations. This insurance can be written to cover fire, windstorm, extended coverage perils, computer crashes, and other hazards. Coverage is available for an agreed-upon limit or for actual gross earnings based on the firm’s history. There are usually options available for reimbursement of the extra expenses associated with continuing business at another location while the damaged premises are being repaired” （AHPP 15th Edition p.1018-1019).
简单的来说就是因为不可控力影响企业正常运营的灾难都可以被这个保险覆盖，甚至可以报销在非正常运营时所多出来的开支。
不可控力栗子：着火啦，台风啦，电脑全部瓦塔啦等等
非正常运营栗子：之前办公室或设备修好前，另外租办公室所多出来的开支。
| Commercial General Liability Insurance |
aka：惹了麻烦舒缓险
原文：
“Commercial general liability insurance covers liability from incidents that occur on or off the policyholder’s premises or that arise from nonprofessional aspects of the insured’s practice. The three basic coverage areas of this type of policy are property damage, bodily injury, and personal and advertising injury (such as libel, slander, or copyright infringement). Also included are premises and operational liability, medical payments, and contractual liability”（AHPP 15th Edition p.1018).
这个保险涵盖的就是常见的失误导致的责任。大概就是企业保险的资产发生了一些不专业的行为导致了一些不容忽视的悲剧，这个保险就是舒缓这种悲剧的良药。
不容忽视悲剧栗子：资产被霍霍了，人被霍霍了，名声被霍霍了
注：公司可以选择将“网络责任条款”纳入“一般商业责任”项下，因为这通常不包括在内。
| General Liability Insurance |
普普通通安心险
原文：
“General liability coverage is the most basic type of commercial insurance and one of the most important—it may even be required by a landlord. General liability coverage immediately protects the firm from injury and property damage claims that could seriously and detrimentally impact the business. Every claim can cost money, either in paying the legitimate ones or in defending against the fraudulent ones. General liability coverage protects a business from these lawsuits and provides the kind of basic peace of mind needed to be an effective business person. General liability policies set definite dollar limits on the amounts an insurance company is obligated to pay for each type of claim—for example, bodily injury and property damage combined, or personal injury— and on the total dollar amount for all claims” （AHPP 15th Edition p.1018).
说实话，这个保险和上面那个几乎差不多，但是AHPP把它们两个分开来写，那我就只能和大家一起来找茬了。

这个可能是更加宽泛的比如说有人在你的地盘上滑倒了，或者有熊孩子不小心把你的地盘给霍霍了，甚至有人告你诽谤抄袭剽窃了。如果因为这种普通且经常发生的事情被搞了，影响了你的正常运营，那么这个保险就是让你安心的小棉袄。说真的这两个保险几乎没啥区别，因要说有区别的话那就是这个更加基本，更加广泛的被购买吧。
个人拙见，用大家都有的医保类比，这个General Liability Coverage 就相当于你单位给你买的一个基础医疗保险，有一定的保障限额，上面那个Commercial General Liability Insurance就相当于你在外面又买了一个更好的商业医疗保险，可以涵盖更加刁钻的意外。
| Technology Liability Insurance |
科技遇难周旋险
原文：
“Technology liability coverage in some form and sometimes by different names is now offered by most professional liability insurers. The policy agrees to defend and pay claims on behalf of the architect for claims arising out of an alleged negligent act in managing the security of a computer system. If network security is compromised, causing a network or data breach, then there is protection from subsequent suits alleging injury or damages. Lower sub-limits and separate deductibles normally apply to such claims. There are no standard forms for this coverage, so every competing form should be reviewed prior to making a final decision. A broker or consultant’s expertise can help greatly in comparing policy forms” （AHPP 15th Edition p.1019).
电脑的科技安全系统出了毛病，画好的图被泄露了怎么办？原本就不富裕的建筑师面临突如其来的索赔更是雪上加霜。有了这个保险，保险公司就愿意为你两肋插刀，一肋为你辩护，一肋为你掏钱。
点击空白处查看答案
A。因为这是不可控力之电脑瓦塔了。电脑系统安全，资产损失，人员伤亡，名誉被毁这些要是硬说也是沾一点边，但是最主要还是说的资料没得了，一去不复回了。
Reference:
The Architect's Handbook of Professional Practice, Chapter 16.2
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