保全業責任保險與產物保險相結合後市場競爭力之探討

所謂的責任保險，是指「責任保險人於被保險人對於第三人，依法依賠償責任，而受賠償之請求時，負賠償之責。」，意指當某種狀況（或稱之為保險事故）發生而導致被保險人將產生財產上的損失時，保險人透過保險給付，彌補被保險人全部或一部之損失，而此種財產損失，係經由第三人之請求而發生。保全公司提供電子器材或監視系統進行設施財產安全維護,其目的是嚇阻、縮短偷竊時間、減少損失,絕非能杜絕竊賊入侵,更無法可確保財產零損失。因此,事前的補強產物保險,能用最少的金錢購買最充足的保單,如此方能彌補或減輕事故發生而造成之損失及降低經營事業之風險。

關鍵字

保全；監視系統；保險人

並列摘要

The so-called liability insurance means that the liability insurer shall be liable for compensation when the insured is liable to the third party in accordance with the law. "Means when a situation (or insurance accident) caused by the insured will result in the loss of property, insurance through the insurance payment, compensate the insured losses in whole or in part, the loss of property, by request third people and. Security company provides electronic equipment or facilities for maintenance and property safety monitoring system, its purpose is to deter theft, shorten the time, reduce the loss, not to prevent thieves’ invasion, but cannot ensure zero loss of property. Therefore, prior to the strengthening of product insurance, can use the least money to buy the most adequate policy, so that can compensate for or mitigate the loss caused by the accident and reduce the risk of business.