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,险企认为风险敞口超出了其模型测算范围。  然而,法院的核心裁判理由则明确:案涉保险产品是针对众包骑手这一特殊群体设计的,保障对象是骑手本人的人身权益,而不是特定平台的订单利益。众包骑手普遍存在跨平台兼职的职业特点,保险公司作为格式合同的提供方,如果想要限制理赔范围,必须在条款中明确写明“配送其他平台订单不予理赔”。本案的保险条款并没有作出这样的特别说明,因此保险公司的免责抗辩不能成立。  这个判

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