- 期刊
國際物流貨損責任保險契約之研究
A Study of Liability Insurance policy of Cargo Damages in International Logistics
摘要
近年我國國際貿易蓬勃發展，政府積極推動台灣發展成爲亞太營運中心，從我國與亞洲國家相關物流數據快速增加，顯現物流業之發展對各國有其重要之地位。物流業者爲提供更完整的服務給顧客，除了物流作業型態於專業分工外，其服務內容更爲廣泛，傳統的倉儲與運輸亦逐漸轉型爲物流中心，未來所擔負之貨損理賠責任將更深廣。本文針對不同之物流營運、運輸階段之貨損時，物流業者所擔負之責任進行分析，並經分析保險業者提供之責任保險契約後，發現保險契約係分割物流各作業流程作爲單獨投保標的，造成物流業者之困擾；國際保險契約部分，將分析中國人民財產保險公司所販售之物流責任保險，與一貫運輸相互保險協會所提供之保險契約，並評析兩者責任保險契約之不同之處。
並列摘要
When our government is plan for developing Taiwan as an Asia-Pacific Regional Operations Center and international trading business, we could find the importance of the logistics industry to link other country by looking into the logistics data for Taiwan and other countries in Asia. In order to provide a more complete service to their customers, logistics companies not only work on professional job assignments but also provide wider services for customers. Traditional storages and transports also upgraded into a logistics centers. Hence, companies now bear more logistics liabilities while their businesses grow wider and deeper. This article analyzes legislation definitions for different logistics stages. It also discusses how domestic legislations regulate logistics companies on cargo damages during transportation. After analyzing and comparing liability insurance contracts from different insurance companies, we found that domestic insurance providers have not put the concept of ”logistics liability” into integration. Besides, the fact that insurance contracts are divided into each different contracts based on different logistics operation stages has caused logistics companies troubles when they purchase insurance products. Regarding international insurance contracts, this article analyzes and differentiates contracts from PICC Property & Casualty Co. Ltd and Through Transport Mutual Insurance Association Limited. Lastly, after different researches above, this article suggests international logistics companies to choose their contract contents cautiously.