工程公共意外責任險與專業責任險界面之探討

　　專業責任風險，部分得藉營造廠投保之公共意外責任險承保之，但保單實際承保者，乃視核保人願承保之專業行為而定。承保工程責任風險之保險市場，分為承保營造廠商之公共意外責任風險與專業風險兩大領域。然非涇渭分明而存灰色地帶。公共意外責任險，乃承保其施工專業行為，肇致第三人之人員傷亡或財損之施工意外，所致依法應負之賠償責任。公共意外險與專業保險之界面，乃視前者是否及如何將因違背專業義務，或與諮詢意見、設計、圖說、規範有關事項肇致專業責任除外而定。惟其真意，易滋爭議，爰加探討。

關鍵字：專業過失、專業責任、專業責任保險、公共意外責任險＼

On Contractors Public Liability Policy and Professional Negligence Policy
Abstract
Some professional negligence risks may be covered by contractors public liability policies, but exactly how much and to what extent depends upon how adventurous the insurer is in covering professional activities. The related insurance market divides into two specialist areas: one that specializes in covering contractors public liability risks and the other in professional risks.
The dividing line, however, is not clear and there can be gray areas. Generally, public liability policy covers liability for bodily injury or physical damage to third party property arising out of professional activities. More specifically, it depends on whether and how the policy excludes claims arising out of a breach of professional duty or in connection with advice, design, plans, and specifications. Dispute sometimes arises as to the application of the "professional negligence" exclusion under public liability.

Keywords: professional negligence, professional liability, professional indemnity insurance, public liability insurance