從雇主及勞工觀點探討雇主責任保險──以中部地區傳統產業為例

Investigating Employer’s Liability Insurance from the Perspective of Employers and Labors - Case Study of Traditional Industries in Central R

職業災害事故是勞工在職場上的大風險，學者在研究此類問題時，多數從雇主觀點探討以意外團體保險來減輕雇主的部份損失，但在面對法律的上的責任時，這樣的方式，就無法有效的填補雇主的風險，進而造成企業的二次損失。此外針對此議題，較少研究是從勞工面來探討。本研究以中部地區傳統產業為例，從雇主面及勞工面探討雇主責任保險在職業災害發生時，是否可以使勞資雙方都能得到適當的補償。本研究收集中部地區傳統產業各類產業勞工及中小企業雇主各120份問卷，進行分析。其中勞工的有效問卷為100份；雇主的有效問卷為72份。研究結果顯示企業因不同保險商品涉入及風險管理對雇主責任保險購買意願有正向影響。

Occupational accidents are a major risk for workers in the workplace. When scholars study such issues, most of them discuss using accident group insurance to reduce part of the employer's losses from the employer's point of view. However, when faced with legal responsibilities, the employer's risk cannot be effectively filled, which will cause secondary losses to the enterprise. In addition, few studies have explored this issue from the perspective of labor. This study takes traditional industries in the central region as an example, and discusses whether employers' liability insurance can enable both employers and employees to receive appropriate compensation when occupational accidents occur from the perspective of employers and labors. This study collects 120 questionnaires from laborers in various industries in traditional industries and employers of small and medium-sized enterprises in the central region for analysis. There are 100 valid questionnaires for laborers and 72 valid questionnaires for employers. The research results show that the company's involvement in different insurance products and risk management have a positive impact on the willingness to purchase employer's liability insurance.