| Abstract: | 我國目前用以規範僱主責任相關法規態樣多且錯綜複雜，僱主面對職災責任之法律依據主要有民法之民事損害賠償責任，以及勞動基準法之僱主無過失補償責任。對受僱人之職災救濟制度則採社會保險給付及僱主補償之雙軌制度。
本文以僱主之角度，探討僱主意外責任保險之承保範圍，並比較台灣、美國、日本、英國相關之保險。另分析民法損害賠償責任與勞動基準法及勞工保險之間的關聯性，並釐清僱主對社會保險與傷害保險能否抵充僱主責任之爭議點，以顯現僱主意外責任保險才是企業經營者作為轉嫁僱主責任風險最重要的保險規劃。
希望能以工作實務經驗找出問題的重心，並提出可行的建議。因此，我們的研究方法是，先從相關法律的規定找出“僱主依法應負之賠償責任”的基礎，然後研究台灣的保險單能夠提供給被保險人的保障，同時參考國外保險單的規定，研究是否有可值得借鏡的地方，再整理出結論。
The current state of laws and regulations for the occupational accidents attributed to employer’s liability are various and complicated. The legal liability assumed by the employers is mainly based on the Civil Law and Labor Standards Act. In Taiwan, an injured worker can be compensated by a dual system of labor insurance and employer’s liability.
This study, from the employers’standpoints, analyzes the coverage, exclusions, various endorsements and limits of liability of employer’s liability Insurance, as well as compares the differences of those items above applicable in four countries, i.e. Taiwan, America, Japan and United Kingdom. In addition, this study also analyzes the employers’ responsibilities in respect of the Civil Law, Labor Standards Act and Labor Insurance Act, and further clarifies the conflicts whether the indemnification of labor insurance and personal accident insurance can fully cover the employer’s responsibilities. We find that employer’s liability Insurance is the most important risk transfer vehicle for the enterprises.
We are hoping to find the center of gravity of work practice experience the problem, and make practical recommendations. Therefore, our approach is to identify the basis of "the employer should bear the liability in accordance with law," the provisions of the relevant laws start with, and then in Taiwan''s insurance can be provided to protect the insured, as well as reference to foreign policy provisions examine whether there may be worthwhile to learn from the place, and then sorting out the conclusions. |
