營造綜合保險爭議之探討

Abstract

目前國內一般之工程在簽約準備開工前多半都已經透過業主或主承 包商投保營造綜合保險，這表示不論業主或承包商都希望能透過保險 的機制來分散一些風險。但是現階段的營造廠商大多缺乏保險相關之 專業人材，而保險業者也缺乏專業的工程人員，使得雙方在簽訂保險 契約的時候，往往對於保險契約內所載保險人及被保險人所應負之責 任義務在認知上有所差異。因而在工程發生意外產生損失的時候保險 人及被保險人經常為保險金額、複保險、設計施工之瑕疵、承保範圍、利潤管理費等或保單中之批單條款之解釋說明，產生不同的看 法，進而對於是否理賠或理賠多少等問題產生爭議，失去了原本購買 保險的用意。本研究藉由所收集20 個不同或相同爭議型態的保險理 賠案例，透過分析這些案例之所以發生之背景及處理結果，提供被保 險人在投保及意外損失發生後應如何選擇及處理相關的保險問題的一 些參考做法。

In most construction projects, the contractors have their All Risk Insurance of the contract ready before link the contract or begin the work. That indicates both owner (investor) and contractors hope to share their risk over the insurance. However, there are some knowledge gaps between insurance company and contractors. Insurance companies in Taiwan are usually lack of construction engineers, where as the contractors do not have insurance specialists. Therefore, ifferent interpretations of the “Sum of Insure”、 “Double Insurance”、“Bad workmanship or design”、 “Policy Coverage”、“Claim for profit or management fee” and “Policy attachment may exist”. Once an incident or accident occurs, insurance disputes may arise and cause additional costs for both insurance company and contractors. In this study, 20 insurance dispute cases are collected. By analyzing the background, processes and final results for each dispute case, guidelines or strategies for preventing the insurance claims and disputes are provided.