| 摘要: | 近年來，兩岸政府及民間不斷將資金投入工程建設之中，由於工程施作過程中，原就存有著太多如天災、地質、環境、人為過失等不確定因素，為達分散損失風險，實有透過保險才能達成，而就工程本體之損失保險而言，兩岸之發展已趨完整，惟附加於工程險中之雇主意外責任保險，卻甚少文獻探討，由於營造工程係屬於勞力密集之經濟活動，其中關涉當事人之法律關係亦錯綜複雜，除被保險人外尚包括業主及具形式上受僱關係之承攬商，亦有主、次承包商實質上所僱用相關固定性與臨時性之施工人員等，一旦發生工安意外事故致勞工死傷時，主、次承包商及直接雇主間所負之責任為何及各保險公司應如何分攤賠償責任，勞工之請求權基礎又何在，相關法律關係均須加以探討釐清，避免於事件發生時造成受雇勞工求助無門之窘境，以保障各當事人之權益，基此本文針對雇主責任及雇主責任保險實務上常見之爭議議題加以探討，並與大陸雇主責任之相關內容相互比較，希望能透過此一研究結果，供相關部門及實務操作者作為日後勞工保障改善之參考依據。
In recent years, Cross-strait governments and civil society continue to invest the funds into construction projects, Because there are too many uncertainties, such as natural disasters, geology, environment, human error, the risk can only be dispersed by insurance, The development of construction insurance between Strait has completed, however, only a few literature discussing employer accident liability insurance attached in construction insurance, Due to construction is a labor-intensive economic activity, with the complex legal relationship between the parties and in addition to the insured, it also includes owners, contractors under the formal employment agreement, main and sub-contractor hiring related fixed and temporary construction workers and so on, Once labors are dead or injured by an industrial safety accident, what Kind of responsibility the main or sub-contractors and direct employers shall take and how several insurance companies to apportion the liability and what legal basis for employed labor to claim shall be explored and clarify By doing so, it will avoid employed labors lack of assistance while accident occurs and to protect their right and interests Based on this, this article is to explore the common controversial issues of the employer's liability and employer's liability insurance and compared them with related issues of employer's liability in mainland China, Hopefully the results of this study can be the reference for the relevant departments and practices operator to improve labor protection in the future. |
