21．承包人必須以業主和承包人的共同名義，為防止契約規定的應由承包人負責的、除外風險外的一切損失或損害投保，不論其由什麼原因造成，此種投保不得減少本契約第20條所規定的承包人的義務和責任，業主和承包人的保險除包括本契約第20．1條規定的期限外，還包括因維護期開始前發生的原因而在維護期內產生的損失或損害，以及承包人在履行本契約第49或50條規定的義務而開展任何工作期間所造成的任何損失或損害。投保項目包括：
（a）the works for the time being executed to the estimated current contract value thereof，or such additional sum as may be specified in part 11 in the clause numbered 21，together with the materials for incorporation in the works at their replacement value．
（1）正在施工的工程，按其目前的契約價值，或按21條第2款可能規定的附加款額，連同按替換價值計算的用於工程的材料。
（b）the constructional plant and other things brought on to thethe replacement value of such constructional plant and other things．
（2）承包商帶到工地上的建築成套設備和其他物品，按其替換價值投保。
such insurance shall be effected with an insurer and in terms apwhich approval shall not be unreasonably withheld, and the contractor shall , whenever required , produce to the engineer or the engineer's representative the policy or policies of insurance and the receipts for payment of the current premiums．
此種保險必須在一保險公司投放，條款得經業主認可，業主不得無故不同意投保，承包人必須隨時應要求向工程師或工程師代表出示保險單和支付現行保險費的收據。
22．（1）the contractor shall，except if and so far as the contract provides otherwise，indemnify the employer against all losses and claims in respect of injuries or damage to any person or material or physical damage to any property whatsoever which may arise out of or in consequence of the execution and maintenance of the works and against all claims，proceedings，damages，costs，charges and expenses whatsoever in respect of or in relation thereto except any compensation or damages for or with respect to：
22．1除契約另有規定外，承包人必須保護業主不得因施工和工程維護而產生或導致的任何人員傷害、材料損失及財產損失而受任何損失和作任何賠償，且不因所有與之有關的任何索賠、訴訟、損害賠償金、訴訟費、開支和費用而受損失，對下列事項所作或與之有關的補償或損害賠償除外：
（a）the permanent use or occupation of land by the works or any part thereof．
工程或部分工程永久使用或占用土地；
（b）the right of the employer to execute the works or any part thereof on，over，under in or through any land．