Article 2 During the insurance period, if the food provided by the insured conforms to the business scope stipulated in the insurance contract and causes personal injury to a third party, the insured shall be liable for economic compensation in accordance with the laws of People's Republic of China (PRC) and China, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract.

Article 3 During the insurance period, if the insured causes personal injury or property loss to a third party in the catering business premises stipulated in the insurance contract for the following reasons, the insured shall be liable for economic compensation in accordance with the laws of People's Republic of China (PRC) and China, and the insurer shall also be liable for compensation in accordance with the provisions of this insurance contract: (1) Fire and explosion in the business premises; (2) Inappropriate maintenance of business premises and related facilities; (3) Defects in the business premises themselves; (4) The fault of the employee of the insured. Article 4 After the occurrence of an insured accident, the insurer shall also be responsible for compensation for arbitration fees, legal fees and other necessary and reasonable expenses (hereinafter referred to as "legal fees") paid by the insured due to the insured accident.