임차목적물 불가분일체론 폐기가 화재배상책임보험 책임범위에 미치는 영향

Recently, the Supreme Court changed the precedent to limit the lessee’s liability for damages on the property of the tenancy, and to transfer the lessee's responsibility to the owner. There was a significant change in the jurisprudence to reach this conclusion. In relation to this case, much discussions on the legal nature of the lessee’s liability and the change of the jurisdiction are proceeding on the basis of the breach of promise to pay and the theory of tort. From the legal perspective, insurance, a change in the scope of the lessee's liability for damages implies that there may be a change in the criteria for calculating insurance benefits in fire insurance and fire insurance liability insurance. The problem is how to discuss the liability of the tenant and the non-tenant, respectively, if the lessee is not liable for the occurrence of the fire. In modern society, not only building owners sign fire insurance contracts, but also lessees are actively using fire insurance and fire insurance liability insurance. Therefore, in this paper, i would like to discuss the possibility that the scope of liability changed in this case actually affects the calculation of the insurable profit.