전자상거래상 손해배상책임에 대한 보험의 활용과 법적 과제

In recent years, various E-Commerce related accidents are occurring frequently due to the increase of E-Commerce in Korea. Consumer’s damage caused by these has become a serious problem. Laws relating to E-Commerce has been revised to the strengthen responsibility of E-Commerce merchants for consumer protection. In these situations, the E-Commerce merchants need to be aware of their legal status and their liability. They should seek to take advantage of the insurance as the Institutional mechanisms. In this study, the following are presented as a way to demonstrate the original features of the E-Commerce Insurance system. First, there is a need to actively induced for e-commerce operators to join the e-commerce insurance. If E-Commerce merchants could take up a E-Commerce Insurance, it is expected to have a positive impact like to improve the company's image and promotional effects ect. Second, there are the need to develop E-Commerce Insurance blanket policy, because the E-Commerce merchants are held different responsibilities in accordance with the several law. In my opinion, there is a need to general policy of E-Commerce insurance to standardization, and the institute replacement clause to diversify the coverage and indemnity and so on. Third, the growth potential of E-Commerce Insurance is likely to sufficient due to the increase of E-Commerce-related accidents. Nevertheless, only some E-Commerce merchants has E-Commerce Policy due to the high premiums and stable insurance loss ratio. There is a need to come up with ways that they can benefit from affordable premiums such as group insurance. Accordingly, the active use of insurance E-Commerce could be possible, we can protect E-Commerce’ consumer and E-Commerce merchants from the litigation and liability resulting from the accidents associated with the E-Commerce, will ultimately be able to build a sound credit society.