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    Title: 食品業者投保產品責任保險之研究
    Other Titles: The study of product liability insurance for food industry
    Authors: 葉志傑;Yeh, Chih-Chieh
    Contributors: 淡江大學保險學系保險經營碩士班
    陳麗娟
    Keywords: 食品安全;產品責任保險;強制責任險;食品產業;消費者保護;Food Safety;Product liability insurance;Compulsory Liability Insurance;Food Industry;Consumer Protection
    Date: 2014
    Issue Date: 2015-05-04 09:46:32 (UTC+8)
    Abstract:   「國以民為本、民以食為天、食以安為先」,人民是國家建立之根本,糧食是人民賴以生存之根基,國家要富強,就必須確保國民之身體健康無虞。然而,食品危安事件卻層出不窮,不僅危及民眾之生命財產安全,也增加社會之困擾,更造成國家財政上之沉重負擔。

      為解決食品危害民眾身體健康所衍生之後續經濟問題,我國衛生福利部曾於2007年5月2日以衛署食字第0960400307號公告訂定「食品業者投保產品責任保險」。該公告係依據食品安全衛生管理法第13規定而制定且具強制性質,本文即探討強制食品業者投保產品責任保險是否有其必要性,結果認為其必要性理由有:(1)基於公共安全及確保消費者飲食權益;(2)侵權行為責任之轉變;(3)任意保險並無強制力,保護難以周全。另基於防患未然理由,本文認為食品在產製及設計過程中應嚴格把關,並應經由公正且嚴格之認證機構定期與不定期檢驗,才能有效解決食品安全衛生問題。

      在研究過程中發現,該公告僅強制規定食品業者投保最低之保險金額,並未考慮食品企業種類、規模及每一種食品暢銷程度,對消費者、食品業者皆有不公平現象,本文認為除了最低投保金額外,亦應衡量食品企業之銷售規模而另訂合理之保險金額,讓微型食品企業得以生存,並保護消費者之飲食權益。
    The Chinese old saying goes: “People are the basis of a country, and bread is the staff of life.” The government should ensure people of health; however, several incidents of food safety in recent years have endangered the lives and property of people and disturbed the entire society and led to a heavy burden of finance of state. Thus, how to ensure the safety of food has become the topic for the government nowadays.
    To solve the economic issues arising from the harm of food to people’s health, Taiwan’s authority, the Health Administration (the former of Ministry of Health and Welfare), announced on May 2, 2007 an administrative rule with regard to product liability insurance for the food industry. The rule is enacted pursuant to Article 13 of the Law Governing the Food Safety and Health and is obligatory in nature. This thesis is to discuss the necessity of a food company to insure the product liability. The thesis concludes the three main reasons to support the necessity: (1) public safety and consumer benefits for foods; (2) the shift of burden of proof for the tortious activities; (3) the product liability insurance is not a compulsory measure to recover the loss. It is always better to be safe than sorry; therefore this thesis argues that the food should be strictly monitored within the production and design process and should be fairly inspected by authenticated institutions regularly or irregularly, so as to effectively solve the problems of food safety.
    The thesis found that the aforesaid announcement only states the minimal insured amount for the food company but does not list the types and scale of food industry and the popularity of each food. The measure could be unfair to the consumers and food companies. The thesis suggests that the measure should not only consider the minimal insured amount, but also the scale of sales to calculate the reasonable insured amount. In such a way, the small-scale food enterprises could live and protect the rights and benefits of consumer as well.
    Appears in Collections:[保險學系暨研究所] 學位論文

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