해상적하보험의 위험변동에 따른 보험자의 책임에 관한 연구

A Study on Liability of Insurers according to Change of Risk in Marine Cargo Insurance

Marine cargo insurance is a contract between insurers and insured to secure that subject-matter insured arrives at the destination without change of risk according to the principle of God's sincerity Risk expenditures are calculated based on what is insured in the contract and based on the money collected, liability begins Therefore Some change occurring in subject-matter insured after contract concludes indicates the contract is violated, and what is contracted is void or cancelled, and liability of insurer is exempt This study examines effect of special contracts, seven reasons of force majeure exemption from insurance, limit of liability and remedy centering on deviation and delay in voyage occurring according to change of risk in what is regulated in MIA, Korean Commercial Law and ICC Then it defines the limit of liability of insurers according to change of risk through indentification of contents centering on the concept and effects of change in voyage and ships according to different risks Thus, in respect to exemption regulations on accidents occurring according to change of risk after a contract is concluded, there is a trend that the effect of change of risk in laws and clauses of each country is defined according to MIA and ICC and its application is mitigated