Zavarovanje odgovornosti članov organov vodenja in nadzora ter uvedba obvezne franšize

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Povzetek: Prispevek obravnava uvedbo obvezne odbitne franšize po drugem odstavku 263. člena ZGD-1 pri zavarovanju odgovornosti članov organov vodenja in nadzora (tako imenovanem zavarovanju D & O) ter z njo povezana vprašanja. Z novelo ZGD-1I je po zgledu nemškega AktG v slovenski pravni red prenesena obvezna odbitna franšiza. Zakonodajalec jo uvaja z namenom dodatnega nadzora nad ravnanji članov organov vodenja in nadzora, da bi skrbneje izvajali svoje dolžnosti, kar bi vodilo v višjo kakovost korporativnega upravljanja. Glede izvajanja in uveljavitve te kogentne določbe o franšizi v praksi se postavljajo številna teoretična in praktična vprašanja. Problem pri razlagi določbe je tudi nejasno oziroma pomanjkljivo zakonsko besedilo, ki je iz nemške zakonodaje v ZGD-1 preneseno v nepopolni obliki in z neenako sistematično umestitvijo v slovenski pravni red. Ker sodne prakse še ni, pomoč pri interpretaciji spornih vprašanj lahko ponudita nemška teorija in zavarovalna praksa. Ključne besede: zavarovanje odgovornosti članov organov vodenja in nadzora, zavarovanje D & O, odbitna franšiza, solidarna odškodninska odgovornost članov vodenja in nadzora Title: Management and Supervisory Board Members' Liability Insurance and Implementation of Mandatory Deductible Abstract: The author discusses the implementation of the compulsory deductible under Article 263 of the Companies Act, liability insurance of members of management and supervisory bodies, or so called D&O insurance, and related issues. The amendment of the Companies Act, following the example of the German AktG, the mandatory deductible is implemented in the Slovenian legislation by the legislature with an intention of introducing additional control over the conduct of members of management and supervisory bodies, and more diligent performance of their duties and, consequently, a higher quality of corporate governance. Numerous theoretical and practical issues arise in regards to the implementation and enforcement of this peremptory provision on the mandatory deductible in practice. The problem in interpreting a deductible is also the unclear or insufficient legal text, which is transposed in incomplete form and with an unequal systematic placement into Slovenian legislation, into the Companies Act. As there is no case law as of yet, German insurance theory and practice could aid in the interpretation of contentious issues. Key words: insurance of liability of management and supervisory members, D&O insurance, deductible, directors'' and supervisory members'' several liability


 

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