试论独立董事责任保险中保险人的责任范围

独立董事责任保险是指以独立董事对公司股东、债权人或者其他第三人的民事赔偿责任为保险标的的一种专家责任保险。在分析独立董事责任保险法律内涵的基础上,提出独立董事责任保险中保险人的责任范围,详述了独立董事责任保险的一般责任和除外责任,建议应当借鉴国外有关经验,并注意保险范围的本土化。

Independent directors’ liability insurance is a professional liability insurance that an independent director brings about the third party’s economic loss for his negligence or improper actions during work. In this essay, therefore, the meaning of independent directors’ liability insurance is analysed as well as the risks that independent directors may encounter in our country. The essay also explains several reasons why the present directors’ and officials’ liability insurance is not able to satisfy independent directors’ need of transference of their job risks. It mainly discusses insurer’ s liability coverage. We should set about to borrow the concerning foreign experiences for reference and pay attention to its localization.