Requirement of Third-Party Liability Insurance for Specific Buildings in Thailand Update
泰國針對特定建築第三責任險規定的新訊
Ministry of Interior in Thailand issues new regulations which require owners and occupants of certain types of buildings to have third-party liability insurance. The new regulations prescribing the types of buildings which should apply for Legal Liability Insurance B.E. 2564 (2021) announced on September 6, 2021. This Ministerial Regulation shall come into force upon the expiration of the sixty days from the date of publication in the Government Gazette, which means the effective date will be on November 5, 2021.
泰國內政部頒布新的法規，規定特定建築的持有人或居住者須投保第三責任險，新的法規說明受佛曆2564年(西元2021年) 「法律責任保險」規定的特定建築。「法律責任保險」於2021年9月6日公布。內政部的新規定將於公布在政府公報上60天後、也就是於2021年11月5日生效。
The new regulations contain details of rules, condition, and insurance amount of third-party liability insurance for specific types of buildings. Furthermore, owners and occupants of large buildings should apply for third-party liability insurance during the construction, modification, relocation, and demolition phases.
新的法規包含對特定建築第三責任險的規定、條件以及保費。此外，大型建築的持有人或居住者在建築物的興建、改建、搬遷、拆遷期間投保第三責任險。
Following is details of third-party liability insurance:
以下為第三責任險的詳細資訊:
Ø Types of building: high-rise, large, or extra-large building
建築物的種類：高樓層、大型或特大型建築
Ø Usage of building: public assembly buildings, entertainment areas with more than 200 square meters with a sign or something created for attaching or installing a sign that is 15 meters tall or more or has an area of 50 square meters or more, signs attached to or placed on the roof or deck of a building or any part of the building with an area of 25 square meters or more. Hotel with more than 80 rooms, and large freestanding or building-attached signboard. Owners or occupants have 30 days from the completion of construction, modification, relocation, and demolition to apply the insurance
建築物的使用：公共集會建築、200多平方米的娛樂場所及標誌或為附加或安裝15米以上或50平方米或以上的標誌而創建的東西、附著或放置在屋頂上的標誌或建築物的甲板或建築物的任何部分，面積25平方米以上。80多間房間的飯店、大型獨立或建築物附屬招牌。持有人或居住者自興建、改建、搬遷、拆遷完成之日起30天內投保
Ø Minimums insurance fee
最低保險費
Body injury or death: 100,000 THB/person;
身體受傷或死亡: 100,000泰銖/人;
Medical expenses: 500,000 THB/person;
醫療花費:500,000泰銖/人;
Property damage: 500,000 THB/person;
財產損失:500,000泰銖/人;
Total for Body injury/death and medical expense should be at least 5 million THB/incident.
身體受傷/死亡以及醫療花費總計應至少500萬泰銖/事件。
The policyholder should keep the proof of insurance and to provide it to the authority when necessary. Failure of the requirement will be punished for up to three months in prison or be fined up to 60,000 THB, or both. In addition, there is a penalty up to 10,000 THB/day until the case is in compliant.
持單人應保存承保證名並在需要時提交給機關。未符合規定將處以最高3個月有期徒刑或最高60,000泰銖的罰金、或兩者併罰。此外，在未遵循規定之前最高有每日10,000泰銖的罰款。
If a juristic person’s violation is caused by the action or neglect of a managing person of the juristic person, such person may also be liable for the punishment mentioned above.
如果法人違法係基於公司管理階層人員的行為或是疏忽，此管理人員也須受前述處罰。
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