業主主控保險計畫中工程保險框架之建構The Build of Construction Insurance Framework in An OCIPs

摘要
　　業主主控保險計畫係施作中工程之一種保險規劃方式，內含施工階段之工程保險、運輸階段之運輸保險、營運階段之火災保險，其中最為複雜且最不容易處理者係工程保險，因業主主控保險計畫之參與者較多，為避免前後保險效力發生重疊或脫節情事，於規劃業主主控保險計畫時，應先考量相關聯保險如何配置、被保險人應涵蓋何者、保險期間應如何訂定、工程保險條款如何配合設計等問題，始能為業主主控保險計畫中之工程保險建立完備架構，並有助於營建工程之順利推進。
關鍵詞：統保、統保計畫、業主主控保險計畫
Abstract
　　Owner Controlled Insurance Programs (OCIPs) is an insurance arrangement of works under construction. The insurance coverages commonly included in an OCIP are transportation insurance during transit phase, fire insurance during operation phase, and construction insurance during construction phase which is the most complex and unmanageable. Owing to many parties are involved in an OCIP, in order to avoid overlaps or gaps of coverages, it shall be first considered how to arrange relative insurance, who is the insured, how to decide insurance period, and how to draft insurance clause while arranging an OCIP. Thus, the sound framework of construction insurance in an OCIP will be then built, so does the smooth promotion of construction works will be achieved.
Keywords: wrap-up, wrap-up insurance programs, owner controlled insurance programs