因現行產品責任險(Product Liability)主要是以第三人(Third Party)或消費者因產品瑕疵造成體傷(Bodily Injury)及財物損失(Property Damage)為理賠請求依據、乃係屬第三人或消費者端的賠償請求，且亦是實務上製造商(經銷商)廣泛已投保之險種。 但此一險種對於係屬資訊及網路技術產業(Information；NetWork；Technology)、被動元件(Passive Components)及零組件產業亦或是IC 設計產業…等，並不符合企業風險規避之需求，往往最大之經營風險在於產品本身之製造規格不符或功能不全或是延遲交貨或是給付不能之錯誤或疏漏違約責任的風險。 本文茲以案例剖析產品的瑕疵、因錯誤或疏漏責任造成第三人財務損害(Financial Injury)、以歸納法說明現行產品責任險保單之侵權行為的保障，無法轉嫁被動元件、硬體零組件或資訊及網路技術產業或IC設計公司等之企業因錯誤或疏漏造成「財務損害」及契約責任違約之風險。 最後闡釋資訊及網路技術錯誤或疏漏責任保險(Information And Network Technology Errors or Omissions Insurance)(簡稱E&O)(實務上稱違約責任保險)相關內容及理賠基礎、及此保險在資訊及網路技術(INT)產業之適用及被動元件產業之引用做結論，使資訊及網路技術錯誤或疏漏責任保險廣泛運用於此產業之產品經營風險規劃。 This paper will, by giving an example, illustrate how the liability for the Financial Injury to the third party is resulted from the errors or omissions due to a defective product. Furthermore, the example will demonstrate the current product liability insurance, though with the cover of legal liability against the tort act, can not have the risk transferred in respect of the liability to the Financial Injury and breach of contract caused by errors or omission in such industries as information and network technology, the passive component suppliers or IC designer etc.
Finally, the coverage and claim-made and reported basis in respect of the Information and Network Technology Errors or Omissions Liability Insurance will be presented, and it is concluded by application of this insurance to the industries of INT and passive components suppliers, so that INT Errors or Omission Liability insurance will become common to these business industries in their product risk management.
