cciia.org.cn 2021-2-7 12:49:09 人(ren)民法院報(bao)
原標題：南陽中院終審宣判一起勞動者損害責任糾紛案
員(yuan)工在(zai)無(wu)任何安全(quan)保障的(de)(de)情況(kuang)下，被(bei)公(gong)司現場負責人指派為(wei)顧客示范表演空翻(fan)動作，在(zai)落(luo)地(di)時不慎摔(shuai)傷，導致高(gao)位截癱，構成一級(ji)傷殘。投保的(de)(de)兩家保險公(gong)司及員(yuan)工所在(zai)的(de)(de)公(gong)司均拒(ju)絕賠償(chang)(chang)，究竟誰該為(wei)員(yuan)工負責賠償(chang)(chang)呢？2月2日，河南(nan)省南(nan)陽市中(zhong)級(ji)人民法院對此案(an)公(gong)開(kai)審理后作出了撤銷一審判(pan)決，改(gai)判(pan)由員(yuan)工所在(zai)公(gong)司賠償(chang)(chang)員(yuan)工各項損(sun)失1317714.16元，并承擔(dan)一、二審訴(su)訟(song)費20516元的(de)(de)終審判(pan)決。
現年20歲的(de)(de)韓(han)某恒經(jing)人(ren)(ren)(ren)介紹于2019年1月(yue)22日(ri)進(jin)入傲翔(xiang)(xiang)體(ti)育文化(hua)傳播有限(xian)公司(si)(si)(si)（以(yi)(yi)(yi)下簡(jian)稱(cheng)傲翔(xiang)(xiang)公司(si)(si)(si)）所(suo)經(jing)營的(de)(de)袋鼠(shu)蹦吧運(yun)動公園工(gong)作，從事(shi)安(an)全員一職。2019年3月(yue)1日(ri)下午(wu)14時30分(fen)許(xu)，韓(han)某恒在(zai)工(gong)作時間應公司(si)(si)(si)現場負(fu)責(ze)人(ren)(ren)(ren)的(de)(de)要求為顧客示(shi)范表演空翻動作，在(zai)落地時不慎摔(shuai)傷(shang)，后被送至(zhi)南(nan)(nan)陽市中(zhong)(zhong)心醫院治療(liao)(liao)，診斷(duan)為C5椎體(ti)骨折伴滑脫(tuo)；C3-7水平脊髓重度(du)挫傷(shang)伴高位截癱；右下肢動脈缺血(xue)。2019年7月(yue)18日(ri)，韓(han)某恒從南(nan)(nan)陽市中(zhong)(zhong)心醫院出院，轉入鄧州市中(zhong)(zhong)心醫院繼續(xu)治療(liao)(liao)。經(jing)鑒定(ding)(ding)，韓(han)某恒因本(ben)(ben)次(ci)外傷(shang)致殘，高位截癱構成一級傷(shang)殘。傲翔(xiang)(xiang)公司(si)(si)(si)在(zai)韓(han)某恒傷(shang)后主動為其墊付治療(liao)(liao)費用196100元(yuan)(yuan)(yuan)。另外，傲翔(xiang)(xiang)公司(si)(si)(si)在(zai)中(zhong)(zhong)國人(ren)(ren)(ren)壽(shou)保(bao)(bao)險股(gu)份有限(xian)公司(si)(si)(si)南(nan)(nan)陽中(zhong)(zhong)心支公司(si)(si)(si)（以(yi)(yi)(yi)下簡(jian)稱(cheng)人(ren)(ren)(ren)壽(shou)財(cai)(cai)險）和富德財(cai)(cai)產保(bao)(bao)險股(gu)份有限(xian)公司(si)(si)(si)南(nan)(nan)陽支公司(si)(si)(si)（以(yi)(yi)(yi)下簡(jian)稱(cheng)富德財(cai)(cai)險）分(fen)別投有公眾責(ze)任保(bao)(bao)險，本(ben)(ben)次(ci)事(shi)故均在(zai)保(bao)(bao)險期內。人(ren)(ren)(ren)壽(shou)財(cai)(cai)險提供的(de)(de)保(bao)(bao)單(dan)中(zhong)(zhong)約定(ding)(ding)每(mei)人(ren)(ren)(ren)每(mei)次(ci)事(shi)故賠(pei)(pei)償(chang)限(xian)額(e)為18萬元(yuan)(yuan)(yuan)，醫療(liao)(liao)費用2萬元(yuan)(yuan)(yuan)，免賠(pei)(pei)額(e)為1000元(yuan)(yuan)(yuan)或(huo)損(sun)失金額(e)的(de)(de)15%，以(yi)(yi)(yi)高者為準(zhun)；富德財(cai)(cai)險送達的(de)(de)保(bao)(bao)單(dan)中(zhong)(zhong)約定(ding)(ding)每(mei)次(ci)事(shi)故每(mei)人(ren)(ren)(ren)人(ren)(ren)(ren)身傷(shang)亡(wang)賠(pei)(pei)償(chang)限(xian)額(e)為26萬元(yuan)(yuan)(yuan)，每(mei)人(ren)(ren)(ren)受傷(shang)醫療(liao)(liao)費用賠(pei)(pei)償(chang)限(xian)額(e)為4萬元(yuan)(yuan)(yuan)，醫療(liao)(liao)費用每(mei)次(ci)事(shi)故絕對免賠(pei)(pei)1000元(yuan)(yuan)(yuan)或(huo)者核定(ding)(ding)損(sun)失的(de)(de)10%，以(yi)(yi)(yi)高者為準(zhun)。
在多次協商賠償事宜未果后，韓(han)某(mou)恒于2020年6月28日將傲(ao)翔公司(si)及兩(liang)家保險(xian)公司(si)訴至鄧州市人(ren)民法(fa)院，請(qing)求判令三被告賠償醫(yi)藥費(fei)、營(ying)養費(fei)、住院伙食補助費(fei)、精神損害撫(fu)慰金、殘(can)疾(ji)輔助器具費(fei)等共計150萬(wan)元。
2020年9月20日，法(fa)(fa)院(yuan)一(yi)審(shen)審(shen)理(li)(li)后(hou)認為，韓(han)某恒(heng)在(zai)雇(gu)(gu)傭勞動中受到傷害(hai)，雇(gu)(gu)主傲(ao)翔(xiang)公(gong)(gong)司(si)未盡(jin)到安(an)(an)全(quan)保(bao)障義務，理(li)(li)應(ying)(ying)(ying)在(zai)其(qi)過錯責(ze)(ze)任范圍內承(cheng)擔(dan)賠(pei)(pei)償責(ze)(ze)任。人(ren)壽財(cai)險(xian)(xian)(xian)、富(fu)德財(cai)險(xian)(xian)(xian)均辯稱其(qi)格式條款(kuan)中約定，公(gong)(gong)眾責(ze)(ze)任險(xian)(xian)(xian)不(bu)適用(yong)(yong)于雇(gu)(gu)員且向投(tou)保(bao)人(ren)作(zuo)了(le)特(te)別(bie)提(ti)(ti)(ti)示和明(ming)(ming)確說(shuo)明(ming)(ming)。由(you)(you)于本案受害(hai)人(ren)是(shi)因(yin)其(qi)在(zai)參與游(you)玩蹦(beng)床(chuang)空翻時(shi)受到傷害(hai)，此時(shi)的雇(gu)(gu)員身(shen)份已(yi)轉化為“公(gong)(gong)眾”。而且兩保(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)均不(bu)能(neng)證(zheng)明(ming)(ming)其(qi)將(jiang)格式條款(kuan)向投(tou)保(bao)人(ren)傲(ao)翔(xiang)公(gong)(gong)司(si)送達并作(zuo)特(te)別(bie)提(ti)(ti)(ti)示和明(ming)(ming)確說(shuo)明(ming)(ming)，兩保(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)均應(ying)(ying)(ying)承(cheng)擔(dan)理(li)(li)賠(pei)(pei)責(ze)(ze)任。兩保(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)也未能(neng)舉(ju)證(zheng)證(zheng)明(ming)(ming)其(qi)就免(mian)(mian)賠(pei)(pei)率（額）條款(kuan)向投(tou)保(bao)人(ren)作(zuo)特(te)別(bie)提(ti)(ti)(ti)示與說(shuo)明(ming)(ming)，故免(mian)(mian)賠(pei)(pei)及(ji)用(yong)(yong)藥清單等免(mian)(mian)責(ze)(ze)條款(kuan)不(bu)發生法(fa)(fa)律效力(li)。關于保(bao)險(xian)(xian)(xian)合同中的仲裁條款(kuan)，本案系受害(hai)人(ren)韓(han)某恒(heng)依據侵權責(ze)(ze)任法(fa)(fa)提(ti)(ti)(ti)起的訴訟，傲(ao)翔(xiang)公(gong)(gong)司(si)與人(ren)壽財(cai)險(xian)(xian)(xian)的仲裁條款(kuan)無法(fa)(fa)對(dui)(dui)韓(han)某恒(heng)產生拘束力(li)。所(suo)以，人(ren)壽財(cai)險(xian)(xian)(xian)與富(fu)德財(cai)險(xian)(xian)(xian)均應(ying)(ying)(ying)承(cheng)擔(dan)保(bao)險(xian)(xian)(xian)責(ze)(ze)任。由(you)(you)于韓(han)某恒(heng)屬完全(quan)民事行(xing)為能(neng)力(li)人(ren)，且其(qi)職(zhi)責(ze)(ze)為安(an)(an)全(quan)管(guan)理(li)(li)員，在(zai)其(qi)工作(zuo)期間未充分盡(jin)到保(bao)護自(zi)身(shen)安(an)(an)全(quan)的責(ze)(ze)任，做(zuo)了(le)不(bu)屬于自(zi)己職(zhi)責(ze)(ze)的工作(zuo)，且對(dui)(dui)其(qi)行(xing)為的危險(xian)(xian)(xian)性作(zuo)出了(le)錯誤判斷，故其(qi)也有過失責(ze)(ze)任，應(ying)(ying)(ying)承(cheng)擔(dan)20%為宜。
一(yi)審判決后，傲翔公司與兩保險公司不服，均提起上訴。
傲翔公司(si)稱，韓某恒作為(wei)公司(si)的安全員，對空翻動(dong)作的危險性有(you)明確的認知，其(qi)未盡到安全注意義(yi)務，擅離崗位，違反規定玩(wan)耍造成(cheng)事故，應對此(ci)次(ci)事故承擔全部(bu)責任(ren)或較大責任(ren)。
人(ren)壽財險(xian)(xian)(xian)(xian)稱，韓某恒作為傲翔公司(si)的職員，不(bu)屬(shu)于公眾責(ze)任(ren)險(xian)(xian)(xian)(xian)的承保范圍(wei)，人(ren)壽財險(xian)(xian)(xian)(xian)不(bu)應(ying)當承擔保險(xian)(xian)(xian)(xian)責(ze)任(ren)；傲翔公司(si)在投(tou)保人(ren)聲明處簽(qian)章確(que)認(ren)(ren)并繳納保險(xian)(xian)(xian)(xian)費用，且一審中投(tou)保單已被各方認(ren)(ren)可(ke)，人(ren)壽財險(xian)(xian)(xian)(xian)已盡到提示說明義(yi)務；保單中針對保險(xian)(xian)(xian)(xian)限額(e)、絕對免賠額(e)作出明確(que)約(yue)定,一審未予確(que)認(ren)(ren)沒有(you)事(shi)實(shi)和(he)法律(lv)(lv)依據，請求撤銷原判(pan)，改判(pan)人(ren)壽財險(xian)(xian)(xian)(xian)不(bu)承擔責(ze)任(ren)。富德財險(xian)(xian)(xian)(xian)則(ze)認(ren)(ren)為一審認(ren)(ren)定事(shi)實(shi)和(he)適用法律(lv)(lv)存在錯誤。
南陽中(zhong)院經公(gong)(gong)開(kai)審(shen)理后(hou)認為，一審(shen)認定韓某恒在(zai)事發(fa)時身份已(yi)轉化為第(di)三(san)者，而判(pan)令兩保(bao)險(xian)公(gong)(gong)司在(zai)保(bao)險(xian)范圍內承擔賠償責任錯誤，應予以糾正。
縱(zong)觀事(shi)故的發生(sheng)，韓某(mou)(mou)恒并(bing)無重大過(guo)錯，一審(shen)認定由傲翔公(gong)(gong)司(si)承擔80%的責任，韓某(mou)(mou)恒自擔20%的責任適當(dang)，應當(dang)予以維(wei)持。傲翔公(gong)(gong)司(si)關于韓某(mou)(mou)恒應承擔事(shi)故全部責任或較大責任的上訴缺乏事(shi)實依據，法院不予支持。
關于(yu)韓(han)(han)某(mou)恒(heng)(heng)主張的損(sun)失(shi)費用，符合韓(han)(han)某(mou)恒(heng)(heng)的傷情實際，應(ying)當予以維持。在一審判(pan)決認(ren)定韓(han)(han)某(mou)恒(heng)(heng)各(ge)項(xiang)損(sun)失(shi)數額的基(ji)礎上(shang)，南陽中院確認(ren)其損(sun)失(shi)合計為1390767.7元，扣除(chu)已支付(fu)的196100元，傲翔公司(si)還應(ying)賠償(chang)韓(han)(han)某(mou)恒(heng)(heng)970514.16元，總計賠償(chang)1317714.16元。
綜上所述，富德財險、人(ren)壽財險的(de)上訴請求成立，應予(yu)(yu)支持(chi)；傲翔(xiang)公(gong)司的(de)上訴請求不(bu)能(neng)成立，不(bu)予(yu)(yu)支持(chi)；一審(shen)(shen)判(pan)決(jue)認定事實清楚，但(dan)對(dui)保險責任承(cheng)擔的(de)認定不(bu)當，應予(yu)(yu)糾(jiu)正(zheng)。南陽中(zhong)院依法作出(chu)判(pan)決(jue)，撤銷一審(shen)(shen)判(pan)決(jue)，由傲翔(xiang)公(gong)司賠償(chang)韓某恒各項(xiang)損(sun)失1317714.16元。
（曾慶朝）
■法官說法■
關于(yu)兩個保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)是否應(ying)在(zai)(zai)公(gong)(gong)(gong)眾責(ze)(ze)(ze)(ze)任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)內(nei)(nei)(nei)承擔(dan)賠(pei)(pei)(pei)(pei)償(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)問題(ti)，中國人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)壽財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)股份(fen)有(you)限公(gong)(gong)(gong)司(si)公(gong)(gong)(gong)眾責(ze)(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)（A）條(tiao)(tiao)款(kuan)第(di)(di)三(san)(san)(san)(san)條(tiao)(tiao)約定(ding)，“保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期(qi)間內(nei)(nei)(nei)，被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)在(zai)(zai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)單(dan)載明的(de)(de)(de)(de)(de)(de)(de)地(di)(di)點范圍內(nei)(nei)(nei)，合(he)法從(cong)事(shi)(shi)(shi)生(sheng)產(chan)(chan)(chan)、經(jing)(jing)(jing)營(ying)等活動時發(fa)生(sheng)意(yi)外事(shi)(shi)(shi)故造成(cheng)第(di)(di)三(san)(san)(san)(san)者(zhe)(zhe)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身傷亡或(huo)財(cai)產(chan)(chan)(chan)損(sun)失(shi)(shi)，依照中華人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)民共和國法律(lv)（不(bu)(bu)包括港澳(ao)臺地(di)(di)區法律(lv)）應(ying)由被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)承擔(dan)的(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)濟(ji)賠(pei)(pei)(pei)(pei)償(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)(ren)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)按照本保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同(tong)的(de)(de)(de)(de)(de)(de)(de)約定(ding)負(fu)(fu)(fu)責(ze)(ze)(ze)(ze)賠(pei)(pei)(pei)(pei)償(chang)(chang)。”第(di)(di)七(qi)(qi)條(tiao)(tiao)約定(ding)，“被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)下列(lie)損(sun)失(shi)(shi)、費用(yong)和責(ze)(ze)(ze)(ze)任(ren)(ren)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)不(bu)(bu)負(fu)(fu)(fu)責(ze)(ze)(ze)(ze)任(ren)(ren)賠(pei)(pei)(pei)(pei)償(chang)(chang)：（一(yi)）被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)或(huo)其(qi)(qi)代表(biao)(biao)、雇傭(yong)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身傷亡的(de)(de)(de)(de)(de)(de)(de)賠(pei)(pei)(pei)(pei)償(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)(ren)，以及上述(shu)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)所有(you)的(de)(de)(de)(de)(de)(de)(de)或(huo)由其(qi)(qi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)管(guan)或(huo)控制的(de)(de)(de)(de)(de)(de)(de)財(cai)產(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)損(sun)失(shi)(shi)；……”富(fu)德財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)股份(fen)有(you)限公(gong)(gong)(gong)司(si)公(gong)(gong)(gong)眾責(ze)(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)款(kuan)第(di)(di)三(san)(san)(san)(san)條(tiao)(tiao)約定(ding)，“在(zai)(zai)本保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期(qi)間內(nei)(nei)(nei)，被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)在(zai)(zai)本保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)單(dan)明細(xi)表(biao)(biao)列(lie)明的(de)(de)(de)(de)(de)(de)(de)范圍內(nei)(nei)(nei)，因經(jing)(jing)(jing)營(ying)業務(wu)發(fa)生(sheng)意(yi)外事(shi)(shi)(shi)故，造成(cheng)第(di)(di)三(san)(san)(san)(san)者(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身傷亡和財(cai)產(chan)(chan)(chan)損(sun)失(shi)(shi)，依法應(ying)由被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)承擔(dan)的(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)濟(ji)賠(pei)(pei)(pei)(pei)償(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)(ren)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)按下列(lie)條(tiao)(tiao)款(kuan)的(de)(de)(de)(de)(de)(de)(de)規(gui)定(ding)負(fu)(fu)(fu)責(ze)(ze)(ze)(ze)賠(pei)(pei)(pei)(pei)償(chang)(chang)。”第(di)(di)七(qi)(qi)條(tiao)(tiao)約定(ding)，“下列(lie)損(sun)失(shi)(shi)、費用(yong)和責(ze)(ze)(ze)(ze)任(ren)(ren)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)不(bu)(bu)負(fu)(fu)(fu)責(ze)(ze)(ze)(ze)賠(pei)(pei)(pei)(pei)償(chang)(chang)：（一(yi)）投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)、被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)或(huo)其(qi)(qi)代表(biao)(biao)或(huo)其(qi)(qi)雇傭(yong)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)的(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身傷亡及其(qi)(qi)所有(you)、管(guan)理(li)或(huo)控制的(de)(de)(de)(de)(de)(de)(de)財(cai)產(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)損(sun)失(shi)(shi)，包括因經(jing)(jing)(jing)營(ying)業務(wu)一(yi)直使用(yong)和占用(yong)的(de)(de)(de)(de)(de)(de)(de)任(ren)(ren)何(he)物品、土地(di)(di)、房屋及建(jian)筑等財(cai)產(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)損(sun)失(shi)(shi)；……”根據保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同(tong)的(de)(de)(de)(de)(de)(de)(de)約定(ding)，公(gong)(gong)(gong)眾責(ze)(ze)(ze)(ze)任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)所賠(pei)(pei)(pei)(pei)償(chang)(chang)的(de)(de)(de)(de)(de)(de)(de)是被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)在(zai)(zai)經(jing)(jing)(jing)營(ying)中發(fa)生(sheng)意(yi)外事(shi)(shi)(shi)故造成(cheng)第(di)(di)三(san)(san)(san)(san)者(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身傷亡或(huo)財(cai)產(chan)(chan)(chan)損(sun)失(shi)(shi)，這(zhe)里的(de)(de)(de)(de)(de)(de)(de)第(di)(di)三(san)(san)(san)(san)者(zhe)(zhe)應(ying)當是指(zhi)參(can)與和接(jie)受被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)經(jing)(jing)(jing)營(ying)活動服務(wu)的(de)(de)(de)(de)(de)(de)(de)社會公(gong)(gong)(gong)眾，而(er)不(bu)(bu)應(ying)包括被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)工(gong)作(zuo)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)。本案中，韓某恒為(wei)傲(ao)(ao)翔(xiang)公(gong)(gong)(gong)司(si)的(de)(de)(de)(de)(de)(de)(de)員(yuan)工(gong)，其(qi)(qi)在(zai)(zai)受公(gong)(gong)(gong)司(si)指(zhi)派(pai)為(wei)顧客示范表(biao)(biao)演空(kong)翻動作(zuo)中受到意(yi)外傷害，其(qi)(qi)身份(fen)自始至(zhi)終都是該公(gong)(gong)(gong)司(si)的(de)(de)(de)(de)(de)(de)(de)員(yuan)工(gong)，其(qi)(qi)行為(wei)屬(shu)于(yu)傲(ao)(ao)翔(xiang)公(gong)(gong)(gong)司(si)的(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)營(ying)活動，并不(bu)(bu)存(cun)在(zai)(zai)脫離于(yu)員(yuan)工(gong)身份(fen)成(cheng)為(wei)傲(ao)(ao)翔(xiang)公(gong)(gong)(gong)司(si)經(jing)(jing)(jing)營(ying)業務(wu)受眾的(de)(de)(de)(de)(de)(de)(de)情形，不(bu)(bu)能(neng)認(ren)定(ding)其(qi)(qi)屬(shu)于(yu)公(gong)(gong)(gong)眾責(ze)(ze)(ze)(ze)任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)約定(ding)的(de)(de)(de)(de)(de)(de)(de)第(di)(di)三(san)(san)(san)(san)者(zhe)(zhe)，故不(bu)(bu)屬(shu)于(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)理(li)賠(pei)(pei)(pei)(pei)的(de)(de)(de)(de)(de)(de)(de)范圍，而(er)且保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)款(kuan)在(zai)(zai)責(ze)(ze)(ze)(ze)任(ren)(ren)免除部分也(ye)明確保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)不(bu)(bu)負(fu)(fu)(fu)責(ze)(ze)(ze)(ze)賠(pei)(pei)(pei)(pei)償(chang)(chang)被(bei)(bei)(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)雇傭(yong)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)員(yuan)的(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身傷亡，故人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)壽財(cai)險(xian)(xian)(xian)(xian)(xian)和富(fu)德財(cai)險(xian)(xian)(xian)(xian)(xian)不(bu)(bu)應(ying)在(zai)(zai)公(gong)(gong)(gong)眾責(ze)(ze)(ze)(ze)任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)內(nei)(nei)(nei)承擔(dan)賠(pei)(pei)(pei)(pei)償(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)(ren)。
關于本案的責任(ren)承(cheng)擔問題，韓某(mou)恒(heng)受(shou)(shou)傲(ao)(ao)(ao)翔(xiang)(xiang)公(gong)司現(xian)場管理人(ren)員(yuan)指派(pai)為(wei)顧客(ke)進行示范(fan)性表(biao)(biao)演，傲(ao)(ao)(ao)翔(xiang)(xiang)公(gong)司稱韓某(mou)恒(heng)是擅離職(zhi)守、違反公(gong)司規定(ding)玩(wan)耍缺乏依(yi)據，法院不予認定(ding)。韓某(mou)恒(heng)為(wei)傲(ao)(ao)(ao)翔(xiang)(xiang)公(gong)司的工作(zuo)人(ren)員(yuan)，其在受(shou)(shou)公(gong)司指派(pai)為(wei)顧客(ke)進行空翻表(biao)(biao)演中，因公(gong)司未盡(jin)到(dao)安全(quan)保(bao)障義務，發生(sheng)本案安全(quan)事故，造成(cheng)韓某(mou)恒(heng)受(shou)(shou)到(dao)意外傷害，傲(ao)(ao)(ao)翔(xiang)(xiang)公(gong)司作(zuo)為(wei)雇主應對韓某(mou)恒(heng)的損傷承(cheng)擔賠償責任(ren)。
日期：2021-2-7 12:49:09 | 關閉 |
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