工程承攬人之責任保險─以德國責任保險法為基礎

Liability Insurance of Construction Contractor─based on the German Liability Insurance Law

系所名稱：法律專業碩士班 學位別：碩士 畢業學年：95年 指導教授：劉宗榮 現代社會的風險無處不在，如何規避風險、控制風險、利用風險成為每一個人與公司必須面對的課題，工程界亦不例外。保險是最佳的避險工具，而責任保險具備填補損害賠償請求之特性，其避險功能逐漸受到廣泛的注意。台灣工程界欠缺風險管理的概念，面對工程環境的變化與管理的漏洞，不懂得尋求制度性的解決方案，只會要求政府輸困，釋放利多消息，而坐視改革契機的流逝。推動工程責任保險法的研究可以結合工程、法律、財務、管理，以風險管理的概念為基礎，進行整合性研究。本文僅係工程責任保險法的初步研究，重點在介紹德國責任保險法的理論體系及分析工程責任保險的實務問題，並希望藉著推動強制工程人身責任保險以建立基本的工程風險管理。

Risks exit everywhere in modern society, how to evade risk, control risk, use risk become inevitable subject in front of every people and company, construction business has also not exception. Insurance is the best tool of evading risk, and liability insurance is become gradually popular become of its characteristic of satisfying the clime of damages which is the main purpose of evading risk.The construction business in Taiwan is lack of the concept of risk management, is unable to solve systematically the changes of construction environment and the problems of construction management, only aware of arguing government to rescue them and reduce their financial burden, watch the passing chance of reformation. Driving the research of the law of construction liability insurance can connect engineering, legislation, financial and management affair, to solve the problems systematically on the basis of risk management.This article is deal with preliminary research of the law of construction liability insurance, focus on introducing the theoretical system of German Liability Insurance Law and evaluating the practical problems of construction liability insurance in Taiwan, also wish to erect the fundamental risk management system by means of the execution of obligatory construction life liability insurance.