營業中斷保險人理賠責任－以嚴重急性呼吸道症候群(SARS)案件為例

　　儘管我國政府已經採取各項「嚴重急性呼吸道症候群」(SARS)防疫措施，但SARS疫情已經不可避免地對國內經濟產生負面影響，其中又以航空業和旅遊服務業受創最深。就國內企業經營者而言，不僅可能會因為SARS病毒造成營業中斷損失，同時也會增加額外的恢復營業費用，故本文將由財產保險契約的理論基礎與承保範圍，探討營業中斷保險人的法律責任。此外，本文亦將探討被保險人採取合理措施防止SARS病毒傳染造成營業損失，其所支出的損害防阻費用，是否屬於財產保險的承保範圍。

關鍵字：主力近因原則、營業中斷損失、損害防阻條款
The Liabilities of Business Interuptions Insurers -A Case Study of SARS
Abstract
Despite all preventive measures taken by the government, the detrimental economic effects of SARS (Severe Acute Respiratory Syndrome) were inevitable and have hit the travel/tourism industry particularly hard. The resulting business interruption losses and additional recovery expenses continue to grow. In light of such circumstances, this article studies the business interruption insurers liabilities from the perspective of non-life insurance contract as well as the coverage of Material Damage Policy and Business Interruption Policy. Moreover, this article discusses whether Sue and Labor claims submitted by the insured that took reasonable measures to prevent the spread of SARS virus on their premises are covered under such policies.

Keywords: proximate cause, business interruption losses, sue and labor clause