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2009

Products / Completed Operation Liability Insurance 생산물 배상책임 보험. 2009. Casualty Team, CCI Federal Insurance Company Korea Branch, Chubb Group of Insurance Companies. - Table of Contents -. 1. 개요 (1) 보상하는 손해 (Covered Losses) (2) 보상하지 않는 손해 (Exclusions)

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2009

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  1. Products / Completed Operation Liability Insurance생산물 배상책임 보험 2009 Casualty Team, CCI Federal Insurance Company Korea Branch, Chubb Group of Insurance Companies

  2. - Table of Contents - 1. 개요 (1) 보상하는 손해 (Covered Losses) (2) 보상하지 않는 손해 (Exclusions) (3) 보험 인수시 고려사항 (Underwriting) 2. 사고처리 절차 및 보상사례 (1) 사고처리 절차 (Claim Procedures) (2) 보상사례 (Claim Cases)

  3. 1. 개요 (1) 보상하는 손해 (Covered Losses) • 피보험자의 생산물 및 완성작업에 의하여 발생된 신체상해 및 재물손해에 의한 제3자에 대한 법적 배상책임 (Legal liability to third party due to bodily injury and property damage arising out of your products or completed operations) • 추가 보상 항목들 (Supplementary Payments) a. 비용 (Expense) - 보험회사 b. 공탁금 또는 보석금 (Bond) - 압류 c. 사고 조사비 또는 방어비용 (investigation or defense cost) - 계약자 d. 법정 이자 (interest) e. 세금 (tax) – 계약자

  4. 1. 개요 (2) 보상하지 않는 손해 (Exclusions) • 고의 사고 (expected or intended losses) • 계약상 가중책임 (contractual liability) • 알코올 관련 배상책임 (liquor liability) • 고용주 및 근로자 재해 배상책임 (employer’s liability or worker’s compensation) • 전쟁 및 테러 배상책임 (war & terrorism) • 오염물질 배상책임 (pollution liability) • 계약자 소유 및 기타의 재물손해 (owned, rented, occupied, care, custody, control or loaned)

  5. 1. 개요 (2) 보상하지 않는 손해 (Exclusions) • 상품에 대한 손해 (property damage to the products or works) • 항공기, 자동차, 선박 배상책임 (aircraft, automobile or water craft liability) • 손상재물 (impaired property) • 사용불능, 회수, 철수, 조사, 수리, 교환, 조정, 제거, 처분 (loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal) • 징벌적 또는 처벌적 손해 (fines, penalties, punitive or exemplary damages) • 폭발, 붕괴 및 지하매설물 손해 (explosion, collapse and underground property damage)

  6. 1. 개요 (3) 인수시 고려사항 (Underwriting) • 계약자 (insured) : operation, internet site, financial status and etc. • 생산물 (product) • 손해 발생 시나리오 (most likely loss scenarios) – frequency & severity • 품질 관리 분석 (quality control analysis) • 예상 매출액 (projected sales) • 담보지역 및 관할 법원 (territory and jurisdiction) • 과거 사고 이력 (loss history) • 보험 가입금액, 공제금액 및 보험료 (limit, deductible, premium)

  7. 1. 개요 (3) 인수시 고려사항 (Underwriting) • 보험 조건 (terms and conditions) • Named Insured / Additional Insured / Additional Insured (vendors) • Claims made vs Occurrence • Retroactive Date • Asbestos, Electro Magnetic Field, Professional, E&O, Punitive Damage, Pollution exclusions • Costs & Expense within the limit • Specific products endorsement • Endorsements and Schedule • Admitted or non-admitted policy • Producers

  8. 1. 개요 (3) 인수시 고려사항 (Underwriting) • 제품의 안전에 대한 관리 (Product Safety Management) • 관리체계, 직원의 참여 (Management and Employee Involvement) • 제품 디자인 및 평가 (Product Design and Evaluation) • 제품 설명 (Product Communications) • 제품 생산 (Product Manufacturing and Control) • 판매 활동 (Marketing and Sales Activities) • 현장 운영과 고객 관리 (Field Ops and Customer Relations) • 제품의 기록 유지 (Record Retention) • 리콜에 대한 대안 (Recall Preparedness)

  9. 1. 개요 (3) 인수시 고려사항 (Underwriting) 제품의 안전에 대한 관리 (Product Safety Management) * 제품 설명 (Product Communications) * 주의 labels (warning labels) • voluntary vs regulatory • 문구 (written), 그림 (pictorial), etc • 부작동 주의 /경고 (failure to warn) • 불충분/ 부적합 경고 (insufficient or improper warning as good as none) * 사용방법 (manuals) * 조립 방법 (assembly instructions)

  10. 1. 개요 (4) 보험 가입시 고려해야 할 사항 가. 위험 인수 능력을 바탕으로 한 경쟁력 있는 요율 제공 가능 (Competitive rates based upon underwriting expertise) 나. 전문적인 클레임 서비스 : 미주 유럽지역 (Professional claim service through the North America & Europe network) 다. 보유능력 : USD500만불 이상 가능 (Capacity : Possible for USD5,000,000 or more) 라. 31개국 130개 이상의 지점과 사무소들을 통한 우리나라 수출국에 대한 서비스 가능 (Professional service through over 130 branches & offices in 31 countries)

  11. 1. 개요 (4) 보험 가입시 고려해야 할 사항 마. 생산업자의 생산품과 관련한 법적인 책임을 고려하여 보험을 설계 (Chubb’s cover is designed to protect manufacturers against claims brought against them for injury or damage sustained in connection with their products) 바. 세계적인 회사, 국제적인 전문성 (Global company recognized for the expertise) : S&P AA, AM Best A++, Fitch AA 사. 국제적 경험과 위험관리 전문성 (Global Experience & Loss Control - Engineering specialists)

  12. 2. 사고처리 절차 및 보상사례 (1) 사고처리 절차 (Claim procedures) • 사고 통보 : internet site, 전화, Fax 등 • 보험사의 개입 • 사고조사 • 보상 및 면책 결정 • 중재 및 합의 시도 – 합의금 지급 • 소송 및 판결 – 판결금 지급 • 보험금 지급 • 구상

  13. 2. 사고처리 절차 및 보상사례 (2) 사고 사례 (Claim Cases) • A family was awarded $34 million against the manufacturer of an air conditioning unit that sparked a blaze, leaving a 9-year-old boy dead. Monica Ibarra and her four children initially escaped their trailer home without incident but when her oldest son, Adam, who didn’t know that his mother was out of harm’s way, went back inside to look for her he became trapped and eventually died. Ibarra and her family sued LG Electronics in products liability for Adam’s wrongful death, claiming a design defect was to blame for the fatal fire. LG Electronics contended that the origin of the fire was the gas range in the adjacent kitchen. The Texas jury disagreed.

  14. 2. 사고처리 절차 및 보상사례 (2) 사고 사례 (Claim Cases) • RESERVE : 250,000 PROD BR: CLEVELAND, OH S/O :PLEASANTON CAL A MOTOR FELL OFF A SUSPENDED CRANE AND STRUCK PLAINTIFF IN THE HEAD. CRANE WAS DESIGNED AND MANUFACTURED BY INSURED. • RESERVE : 200,000 PROD BR: HARRISBURG,PA S/O :ATLANTA, GA PLTF ALLEGES DIMMER SWITCH MANUFACTURED BY OUR INSD CAUSED FIRE AT PLTF'S HOME. PLTF'S HOME WAS A TOTAL LOSS AS A RESULT OF THE FIRE

  15. 2. 사고처리 절차 및 보상사례 (2) 사고 사례 (Claim Cases) • RESERVE : 180,000 PROD BR: CINCINNATI, OHIO S/O :TAMPA, FLA PER ICLAIMS: INSURED IS A MANUFACTURER OF CAR FLOOR MATS THAT ALLEGEDLY GOT CAUGHT UNDER THE ACCELERATOR OF PLAINTIFFS CAR AND HELPED CAUSE AN ACCIDENT THAT LEAD TO A SERIOUS HEAD INJURY TO THE PLAINTIFF. • RESERVE : 50,000 PROD BR: SEATTLE, WASH S/O :HOUSTON, TEX PER ICLAIMS: INSURED IS A MANUFACTURER OF PRESSURE WASHERS. PLAINTIFF ALLEGES HE DROPPED PRESSURE WASHER CAUSING IT TO ACTIVATE AND LEADING TO A SEVERE INJURY TO HIS HAND. PLAINTIFF ALLEGES INADEQUATE SAFETY DEVICES.

  16. 2. 사고처리 절차 및 보상사례 (3) 기타 상품 (Other Products available from Chubb) • INT E&O (Information Network Technology Errors and Omissions Liability) • CGL (Comprehensive General Liability) • EL (Employer’s Liability) • Gas Liability • Life Science (Medical Mal Practice) • Professional Liability • Event Cancellation Liability

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