A/E專業責任保險追溯日與投保模式之分析

ANALYSIS OF THE RETROACTIVE DATE AND SCHEME OF A/E PROFESSIONAL LIABILITY INSURANCE

國內 A/E（建築師事務所、技師事務所、以及工程顧問公司之簡稱）在投保專業責任保險時，往往不知要訂定多長的保險追溯日才足夠，而業主界入此保險也產生了投保模式上的法理暇疵，本研究試圖以學理角度分析並解決此兩大問題。分析結果，在一般情況下，10 年的追溯日可處理侵權行為的求償，15 年的追溯日則可處理債務不履行的求償，且追溯日應該使用動態(dynamic)追溯日的觀念，來取代原本固定追溯日的方法。至於此保險的投保模式，本研究建議要保人、被保險人、受益人皆為A/E，才是A/E 專業責任保險的最佳運作模式。

When domestic A/Es buy the professional liability insurance (PLI), they often don’t know what retroactive date is enough. Besides, the owner’s intervention to PLI creates defects of jurisprudence. This research analyzes these two problems and tries to solve them. After this analysis, ten and fifteen of retroactive years can in general cases prevent A/E’s from being sued by tort or default respectively. Besides, dynamic retroactive date should replace the conventional one. Speaking of the insurance scheme, this research suggests the applicant, the insured, and the beneficiary all should be the A/E as the best insurance scheme.