购买董事责任保险合同之主体:公司作为投保人之正当性解读

The Subject of Buying Directors' and Officers' Liability Insurance Contract:the Legitimacy Interpretation for Corporation to Be Policy-holder

虽然董事责任保险合同是以董事和高级职员对公司和第三人的赔偿责任为保险标的签订的合同,但是该合同的功能并不仅仅局限于分散董事和高级职员的经营责任风险,还包括完善公司治理结构以及实现公司社会责任。因此,从这个角度分析,公司应当作为投保人支付保险费来购买董事责任保险合同。

Although the insurance object of directors＇ and officers＇ liability insurance contract is compensation liability of directors and officers to corporation and the third party,the function of the contract is not limited to disperse management liability hazard of directors and officers,but includes the function of perfecting corporation governance and actualizing corporate social responsibility.So,from this perspective,corporation should pay insurance premium to buy the contract as policy-holder.