해상보험 비용손해에 관한 연구

Abstract

The insurer indemnify for expense loss such as sue and labour charge,salvage charge, particular charge in the marine insurance. This indemnity hadbeen settled since beginning period of the marine insurance, but it is notsuitable of current environment of the marine insurance. Therefore, this studyattempts to classify the marine cargo insurance into container cargo and bulkcargo and suggests some features in container cargo insurance; First, thechanges of marine transportation conditions such as the enlargement ofcontainer vessels and scientific weather forecasting system increase stability. Second, the expense loss has many difficulties to estimate range and severityunlike physical loss. Third, the requirements for admitting as a expense lossare unrealistic. Finally, the expense loss under container cargo insurance isindemnified by Institute Cargo Clause. So, it is necessary to reconsider theindemnity principle for expense loss by insurers. There are proper alternativesand ripple effects. First, it is necessary to abolish the indemnity policy forexpense loss. Through this, we can expect to decrease the premium rate andto simplify the marine insurance like that the indemnity by insurers is limitedto physical loss. Second, the requirements for admitting expense loss have tobe relieved, so it is possible to prevent the disputes related to expense loss inadvance and also to positively lead sue and labour.