論保險經紀人保證保險之屬性－－兼論要保人故意行為之可保性

The Nature of Insurance Broker Surety Insurance - also on the Insurability of Applicant's Intentional Act

為確保消費者之權益，立法院於2011年通過保險法修正，對保險經紀人定有諸多監管規定，其中第163條第二項明定保險經紀人需投保專業責任與保證保險。從其立法理由與分析現行保險經紀人保證保險契約內容可知，本文認為保險經紀人保證保險本質上應屬履約保證保險之一。另本文亦認為為強化保險制度之功能與存在目的，在無違反公序良俗之前提下，我國保險法第二十九條第二項似無解釋為強行規定之必要。惟從保險法理而論，保險經紀人對執業風險應投保專業責任保險，對員工之不誠實行為則須投保誠實保證保險。最後，本文建議主管機關或可同意保險人授權保險經紀人代收保險費，以確保消費者之權益。

To strengthen consumer protection in insurance practice, the Legislature Yuan passed the Amendments to Insurance Act in 2011, which imposes more administrative regulations on insurance brokers. According to the article 163 paragraph 2 of the Insurance Law, insurance brokers are required to hold professional indemnity insurance and broker surety insurance in order to protect customers against the malpractice. By analyzing the purpose of amendments and current insurance broker surety insurance policies, this article holds the opinion that the 'insurance broker surety insurance' should be classified as one type of 'surety bond'. In addition, in order to strengthen the function insurance system, it is not necessary to interpret the article 29 paragraph 2 of the Insurance Law as a mandatory clause. However, based on the legal principles of insurance, insurance brokers are required to hold professional liability insurance and Fidelity Guarantee Insurance for their employees' practice. Finally, to ensure the interests of consumers, the article suggests the authority may allow the insurers to authorize insurance brokers to collect insurance premiums.