教職員責任保險購買意願之研究-以臺中市國中體育教師為例

Willingness of Staff to Purchase Liability Insurance - A Case Study of Physical Education Teachers in Taichung

張玉青(Yu-Ching Chang)

指導教授 ： 張婉玲

朝陽科技大學/管理學院/保險金融管理系/碩士(2015年)

摘要

近年學生上體育課時發生意外的事件不斷傳出，在追究體育教師之責任時，除了重傷親師校園間的信任及情感外，後續的法律責任及賠償問題更是造成體育教師人心惶惶及壓力來源。風險管理策略中，保留、降低及規避策略最常被體育教師所採用，而能在意外發生後將賠償責任轉移的策略-購買教職員責任保險則較少使用。
本研究在蒐集相關文獻後，推導出教職員責任保險購買意願之因素，包括體育教師責任風險認知之教學人員、場地器材、法律及醫療，以及教職員責任保險涉入程度。針對臺中市公立國中（含完全中學國中部）進行便利抽樣，發出295份問卷，最後回收241份問卷，共236份有效問卷。採用描述性統計、獨立樣本t-檢定、單因子變異數分析及皮爾森積差相關與層級迴歸等統計方法進行分析。
研究結果發現，體育教師之「教學人員」、「法律」及「醫療」責任風險認知對教職員責任保險購買意願有正向影響。教職員責任保險涉入對教職員責任保險購買意願有正向影響。體育教師之「教學人員」、「法律」及「醫療」責任風險認知與教職員責任保險購買意願之關係會受到教職員責任保險涉入之干擾作用。最後根據以上研究結論，分別提出相關建議，以供參考。
關鍵字：體育教師責任風險認知、教職員責任保險、教職員責任保險涉入、教職員責任保險購買意願

關鍵字

教職員責任保險涉入 ； 教職員責任保險 ； 體育教師責任風險認知 ； 教職員責任保險購買意願

並列摘要

In recent years, accidents happening in PE classes have been constantly reported. While holding PE teachers responsible to a certain degree, putting the blame on teachers exclusively not only harms the trust and feelings between parents and teachers, the subsequent legal liability and compensation have also been a source of panic and pressure on PE teachers. In risk management strategies, those of retention, reduction and mitigation are most commonly used by PE teachers. However, faculty liability insurance, the transfer of liability policy after the accidents, has been employed less.
In this study, after collecting relevant literature,this researcher tries to infer the factors that influence teachers’ willingness to purchasefaculty liability insurance. Those factors include the teaching personnel of awareness of liability risks for PE teachers, facilities and equipments, legal and medical issues, and the degree of involvement of liability insurance. This researcher sends out 295 questionnaires to municipal junior high schools in Taichung (including complete schools) and gets 241 back, among which 236 are valid ones. The methods of analysis are descriptive statistics, independentsamples t-test, ANOVA, Pearson correlation, and levels of statistical methods such as regression.
As the results of this research indicate, when it comes to PE teachers, their perception of teaching staff, legal, and medical liability risks has positive influence on pruchasing faculty liability insurance. The involvement of faculty liability insurance also has positive effect on purchasing such insurance. Once again, the involvement of faculty liability insurance interferes PE teachers’willingness to purchase faculty liability insurance andtheir perception of teaching staff, legal, and medical liability risks. According to the aformentioned results from this paper, in the end this researcher will give related advice respectively for junior high school PE teachers, insurance companies, and researchers on this topic for their future reference.
Keywords： PE teachers liability risk perception, Staff liability insurance,
Staff involved in liability insurance, Staff willingness to buy liability insurance

並列關鍵字

Staff involved in liability insurance ； Staff liability insurance ； PE Teachers liability risk perception ； Staff willingness to buy liability insurance

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