• 제목/요약/키워드: Construction Insurance Contracts

검색결과 9건 처리시간 0.029초

해상보험증권의 해석상 작성자 불이익의 원칙의 적용에 관한 연구 (A study on the Application of the Contra Proferentem Rule in the Interpretation of Marine Insurance Policies)

  • 김성후;한낙현
    • 무역학회지
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    • 제45권5호
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    • pp.279-301
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    • 2020
  • In the absence of any guidance under statutory law, such as the Rules for Construction of Policy, MIA 1906, judges should follow the general principles of interpretation that apply to all contracts. In simple terms, Contra Proferentem Rule means that if the contents of the terms and conditions are ambiguous, they are interpreted against the writer of the terms and conditions. In the Anglo-American Contract Law, the 'default rule' is an important judicial tool that can supplement defects in contract norms and reinforce the principle of private autonomy through gap-filling techniques related to the interpretation of contracts. In Korea, it is sometimes mentioned in case of precedent, and it has been established as a clear rule. This study analyzes the interpretation of terms and conditions is not in the form that the interpretation of other general contracts and other interpretation principles are valid, but contracts based on terms and conditions are also contracts, and as a general rule, the interpretation of terms and conditions is explained like the general contract interpretation.

성공적인 건설공사보험 가입방안 (A Successful Method of Construction Insurance Contracts)

  • 김영재
    • 한국건설관리학회:학술대회논문집
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    • 한국건설관리학회 2007년도 정기학술발표대회 논문집
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    • pp.48-53
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    • 2007
  • 건설프로젝트 관리자는 성공적인 프로젝트의 완성을 위하여, 공사기간 중에 발생될 수 있는 위험을 분석하고 위험요소에 대한 대응책 및 위험사고의 발생 시 사고에 대한 복구방안을 대비하여야 한다. 보험은 위험전가의 일종으로서 피보험자의 보험가입을 통해 미래에 발생될 수 있는 피보험자의 위험을 대비할 수 있는 제도이다. 건설공사보험의 가입이 일반화되고 가입률 또한 증가하고 있음에도 불구하고, 실제 건설현장의 프로젝트 관리자는 보험가입을 정해진 예산 범위 내에서 보험사에서 제공하는 보험안내에 따라 가입하는 위험대비 정도로 인지하고 있다. 이러한 현실은 실제 당해 건설공사에서 발생될 수 있는 위험과 평가된 위험에 대한 보험사의 보험료에 대하여 프로젝트관리자가 보험료의 적정성을 판단하지 못할 뿐만 아니라, 보험가입 후 건설현장에서 실제 발생될 수 있는 위험요인을 보험가입 당시 평가된 위험요소와 연계하여 관리하지 못하고 있다. 본 연구에서는 이러한 현행 건설공사 보험가입의 증가추세에 따라 합리적인 건설공사보험의 보험조건 및 보험가입을 위하여 현행 건설공사 보험 운영현황의 고찰을 통한 건설공사 보험운영의 문제점 제시 및 성공적인 건설공사보험 가입방안을 제시하였다.

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인터넷상의 사이버보험의 현황과 발전 방향에 관한 연구 (A Research on the Internet-based Cyber-insurance Service)

  • 남상조;이정호
    • Asia pacific journal of information systems
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    • 제8권3호
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    • pp.165-180
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    • 1998
  • In this study, we analysed the current situation of Internet-based insurance services which can provide a non-traditional and cost effective communication channel between the customers and insurance companies. The service of Internet-based cyber-insurance extends from mere advertisement to on-line contracts through planning simulations and, furthermore, to customer monitoring. This cyber-insurance is the demand of the times and is not to be overlooked-by the Korean insurance companies which are suffering from accumulated loss and are facing severe economic depression. We performed a comparative analysis between the domestic cyber-insurance service and pioneers'. Also, we suggested future possibilities of cyber-insurance services, presenting an architecture for the construction of a cyber-insurance management module within the meta financial investment system.

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터파기 공사 사고의 경제적 영향 사례분석 (A Case Analysis of the Economic Impact on Accidents during Excavation)

  • 고광노;이강;최명석
    • 한국건축시공학회:학술대회논문집
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    • 한국건축시공학회 2008년도 춘계 학술논문 발표대회
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    • pp.7-10
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    • 2008
  • As the land price in the downtown area increases, buildings are becoming bigger, deeper and higher. Consequently, the importance of underground construction has increased. Although construction engineers make every effort to complete underground construction without any problem, construction failures like landslides and the collapse of a retaining wall occur because of the uncertainty of the soil conditions as well as the unexpected risks of excavation work. In order to prevent potential excavation accidents, it is essential to understand the causes and impacts of such accidents. However, there are only a few examples of construction failures, which show the economic impact on accidents during excavation because of the sensibility of the information. This paper presents two cases of excavation accidents, which were investigated by construction insurance company. The compensation for the accidents paid by the insurance company was compared with the estimated costs calculated based on the estimation method for excavation accidents proposed by our previous study. The comparison results showed that the estimate calculated by our method was much less than the actual compensation because the estimate solely focused on the construction costs whereas the compensation included other external factors.

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해상적하보험에 있어서 손해방지의무의 문제점에 관한 고찰 (The Duty to Avert or Minimise a Loss in Marine Cargo Insurance)

  • 이시환
    • 무역상무연구
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    • 제26권
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    • pp.173-199
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    • 2005
  • The MIA 1906, s.78(4) provides that it is the duty of the assured and his agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimising a loss. In many cases the statutory duty will be unimportant, since rights, duties and liabilities declared by the Act or implied into marine insurance contracts by law may be modified by agreement, and many contracts contains a sue and labour clause which effectively reproduces and/or to modifies the statutory duty. The effect of such contractual provisions will, of course, be a matter of construction, though modern sue and labour clauses tend to reflect the principles contains in section 78. However, it must not be assumed that the terms of all contractual sue and labour clauses are, or will remain, identical, either with each other or with the statutory duty. The purpose of this study is to clarify the ambit of sue and labour.

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건설공사보험 확대 당위성 및 예산소요 분석 연구 (An Analysis on Expanding Construction Insurance and Estimating Necessary Budget)

  • 김명수
    • 한국건설관리학회논문집
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    • 제15권5호
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    • pp.94-102
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    • 2014
  • 본 연구에서는 건설공사보험 확대의 당위성을 분석하고 확대를 위한 예산소요를 추정하였다. 건설공사 손해배상보험은 국가계약법, 지방계약법 등 관련법규에서 의무화하고 있으며, 건설공사의 수행 중에 발생하는 예기치 못한 사고로 인한 사업목적물이나 재산상 손해의 배상을 위하여 가입하고 있다. 현재 200억 이상 PQ공사 및 대형공사만을 의무가입대상으로 공공발주자가 보험료를 지원하고 있다. 의무가입 대상 공사의 경우 발주자가 보험료를 부담하지만, 200억 미만 공공공사의 경우 업체가 자기부담으로 손해를 배상해야 하는 형평성문제가 발생한다. 비의무대상 공사라도 많은 경우가 자기비용으로 보험을 가입하고 있으며, 민간 공사의 경우도 건설공사보험 가입이 많은 것으로 나타난다. 건설공사보험을 가입하면 건설업체의 부족한 사고관리능력을 보험회사로부터 지원받아 안정적인 조업이 가능하게 된다. 따라서 중소업체에 대한 보호와 중소규모 공사의 조업안정성을 위해 200억 이상 공공공사에만 의무화 되어 있는 현재 규제를 개선하여 중소 규모 공사까지 가입 범위를 확대시킬 필요가 있다. 비의무가입 공사의 최근 3년 평균 비중은 46%이며, 보험사의 보험료율에 근거한 원가반영율은 0.2%로 산출된다. 여기에 공종별 위험도를 감안하면 비의무가입 공사의 원가반영율은 0.13%로 추정된다. 이에 따라 향후 200억 이하 공사에 대한 보험 가입을 위해 공공공사 발주가 35조원 규모라면 209억원, 40조원이라면 239억원의 예산이 추가로 필요할 것으로 추정된다.

영국 해상보험법상 담보(warranty)에 관한 연구 (A Study on the Rule of Warranty in the English Law of Marine Insurance)

  • 신건훈
    • 무역상무연구
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    • 제42권
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    • pp.275-305
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    • 2009
  • Marine insurance contracts, which intended to provide indemnity against marine risks upon the payment of price, known as a premium, originated in Northern Italy in the late 12th and early 13th centuries. The law and practice were later introduced into England through the Continent. It is, therefore, quite exact that English and European marine insurance law have common roots. Nevertheless, significant divergences between English and European insurance systems occurred since the late 17th century, mainly due to different approaches adopted by English courts. The rule of warranty in English marine insurance was developed and clarified in the second part of the 18th century by Lord Mansfield, who laid the foundations of the modern English law of marine insurance, and developed different approaches, especially in the field of warranty in marine insurance law. Since the age of Lord Mansfield, English marine insurance law has a unique rule on warranty. This article is, therefore, designed to analyse the overall rule of the rule of warranty in English marine insurance law. The result of analysis are as following. First, warranties are incorporated to serve a very significant function in the law of insurance, that is, confining or determining the scope of the cover agreed by the insurer. From the insurer's point of view, such the function of warranties is crucial, because his liability, agreed on the contract of insurance, largely depend on in, and the warranties, incorporated in the contract play an essential role in assessing the risk. If the warranty is breached, the risk initially agreed is altered and that serves the reason why the insurer is allowed to discharge automatically further liability from the date of breach. Secondly, the term 'warranty' is used to describe a term of the contract in general and insurance contract law, but the breach of which affords different remedies between general contract law and insurance contract law. Thirdly, a express warranty may be in any form of words from which the intention to warrant is to be inferred. An express warranty must be included in, or written upon, the policy, or must be contained in some document incorporated by reference into the policy. It does not matter how this is done. Fourthly, a warranty is a condition precedent to the insurer's liability on the contract, and, therefore, once broken, the insurer automatically ceases to be liable. If the breach pre-dates the attachment of risk, the insurer will never put on risk, whereas if the breach occurs after inception of risk, the insurer remains liable for any losses within the scope of the policy, but has no liability for any subsequent losses. Finally, the requirements on the warranty must be determined in according to the rule of strict construction. As results, it is irrelevant: the reason that a certain warranty is introduced into the contract, whether the warranty is material to the insurer's decision to accept the contract, whether or not the warranty is irrelevant to the risk or a loss, the extent of compliance, that is, whether the requirements on the warranty is complied exactly or substantially, the unreasonableness or hardship of the rule of strict construction, and whether a breach of warranty has been remedied, and the warranty complied with, before loss.

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시공참여자제도 폐지 이후 전문건설업체의 현장관리 실태분석 (A Status Analysis on the Field Management of Professional Construction Firms after Abrogation of Construction Participants System)

  • 박경훈;김화중;손창백
    • 한국건축시공학회:학술대회논문집
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    • 한국건축시공학회 2009년도 추계 학술논문 발표대회
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    • pp.199-203
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    • 2009
  • After the construction participants system is abolished, expectations are high for its consequences such as liquidating paper-companies, holding back low price contracts, and improving multi-stepwise subcontract structure. However, the professional construction firms have been took responsibilities and obligations as businessmen employing the chief workmen and construction workers. For this reason, it is expected that they will be charged a great deal of expenses such as increase in labor management services and laborers, the occurrence of an retirement grants, insurance fees, etc. Since the hold on power of field managers are getting weaker toward the construction workers, it is most likely to have loss in efficiency of production in the long term. Therefore purpose of this research is to analyze difficulties and the point at issues with which professional construction firms are undergoing after abolishing the construction participants system by investigating on the actual condition in the field management. For this research, we got a grip on the actual condition and analyzed the rise of a primary factor on reinforced concrete construction.

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공동주택 골조공사의 표준품셈 노무량과 실투입 노무량 비교 (Comparison of Labor Inputs from Standard Quantities per Unit and Actual Quantities in Apartment Reinforced Concrete Work)

  • 전상훈;구교진
    • 한국건설관리학회논문집
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    • 제9권2호
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    • pp.182-189
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    • 2008
  • 국내 공공 및 민간사업에서 시행하는 건설공사에서는 원칙적으로 정부제정 건설표준품셈에 의한 노무량을 근거로 원가계산과 현장의 생산성관리를 수행하고 있다 또한 노무량은 관련 법규에 의한 산재보험료, 고용보험료, 퇴직공제부금비, 안전 관리비, 환경보전비 등을 비용으로 계상하는 근거가 되며 공사 진도관리에 있어서도 영향을 미치고 있다. 그러나 표준품셈에 의해 산정된 설계 노무량은 현장 실투입 노무량과 차이가 있는 것으로 추정되고 있으나 그동안 이를 규명한 바가 없었다. 본 연구에서는 43개 공동주택의 철근콘크리트공사에 참여하는 거푸집 형틀목공, 철근조립공, 콘크리트공의 실투입 노무량을 현장 조사하였으며 표준품셈의 산정기준과 비교하였다. 또한 실무전문가 65명을 대상으로 하는 설문조사와 현장소장과 감리단장 32명의 면담조사를 병행하여 표준품셈과 현장 실투입 노무량이 상이한 원인을 분석하였다. 본 연구에서 제시한 공동주택 건축공사의 공종별 노무량 회귀모델은 실적공사비를 적용한 공사계약관리와 더불어 실투입 노무량에 기반한 경비산정과 현장관리의 가능성과 방향을 제시하였다는 점에서 그 의미가 있을 수 있다.