| 摘要: | 國內迄今已有多家保險公司將業務全權委託予經代系統，藉由產銷分離之制度降低人事成本，全力創新多元化之保險商品；而消費者透過經代系統之行銷通路，則可選擇多家保險公司之商品，並獲得專業顧問之服務。
縱使保險代理人經紀人具有專業能力並領有執業證書，仍有過失、錯誤或疏漏行為之際，因此，保險代理人經紀人專業責任保險存在之意義即為承保保險代理人經紀人於執行業務時，因過失、錯誤或疏漏行為致第三人損害之賠償責任。
本研究除對保險代理人經紀人理論基礎予以扼要介紹外，亦深入剖析保險代理人經紀人專業責任保險之內容、條款及費率之釐訂；此外，為使保險代理人經紀人之制度更加健全，亦對保險代理人經紀人法律監理面、教育訓練面及業務經營面加以檢討；再者，以解讀美、英、日之保險單，並與我國之保險單進行比較分析；最後，綜合上述之結論，提出21項具體建議，供請相關單位參酌，俾使我國保險代理人經紀人專業責任保險更趨完善。
Already many insurance companies have entrusted the business domestically with full intermediary, the system separated with production and marketing reduces the personnel cost, innovate the pluralistic insurance goods with all strength; And consumer is it take the place of into marketing thorough fare of system to pass, can choose many of goods of insurance company, obtain the service of the professional consultant.
Even if insurance agent and broker has professional competency and take an examination to be licensed, when there are negligent acts , errors or omissions, so, insurance agents and brokers professional liability insurance is depositted while giving cover for insurance agent and broker in the business of carrying out in its meaning, because negligent acts, errors or omissions cause the compensation responsibility which the third person damages.
This research is except that introduce to insurance agent and broker theoretical foundation briefly, also analyze the content of insurance agents and brokers professional liability insurance, the collating and stipulating of the clause and rate thoroughly; In addition, for intermediary system, manage to law surface, education and training surface and business deal in surface make a self-criticism also; Moreover, in order to understand the policies of United States, Great Britain, Japan, and carry on comparative analysis with the policy of our country; Finally, synthesize above-mentioned conclusions, propose 21 concrete suggestions, is it ask relevant unit consider in light of actual conditions to support, in order to make of our country insurance agents and brokers professional liability insurance more perfect. |
