Facilities that could cause human casualties or property damage to others through fire, explosion, or collapse accidents must verify their enrollment in 'disaster liability insurance.' A total of 20 types of facilities are subject to mandatory enrollment, including restaurants and lodging establishments above a certain size, apartment buildings, and gas stations. Failure to enroll results in fines of up to 3 million won depending on the period of non-enrollment, and the compensation limit for property damage is 1 billion won per accident.

■ Mandatory Insurance Under Article 76-5 of the Framework Act on the Management of Disasters and Safety

Disaster liability insurance is a mandatory insurance program operated under Article 76-5 of the Framework Act on the Management of Disasters and Safety. It is a system designed to compensate for damage to the lives, bodies, or property of others caused by fire, explosion, or collapse. However, damage caused by natural disasters, including earthquakes, is not covered.

■ 20 Types of Facilities Required to Enroll, Including Apartments, Gas Stations, and Cultural Facilities

Facilities subject to enrollment include general restaurants and rest restaurants located on the first floor with an area of 100 square meters or more. Lodging establishments and apartment buildings of 15 floors or below that are subject to mandatory management are also covered. Gas stations, logistics warehouses, funeral halls, and passenger bus terminals are also subject to enrollment.

Cultural facilities such as libraries, science museums, museums, and art galleries are included, as are cycle racing tracks, motorboat racing tracks, off-track betting shops, horse racing tracks, and off-course betting offices. In addition, underground shopping arcades, international conference facilities, exhibition facilities, and rural homestays are among the total of 20 types of facilities subject to mandatory enrollment.

■ Compensation Limits by Type of Damage... 150 Million Won per Death

Insurance compensation limits are divided by type of damage. In the event of death, compensation is provided up to 150 million won per person. If the amount of loss is less than 20 million won, 20 million won is set to be compensated.

For aftereffects (disability), the compensation amount varies by disability grade. Grade 1 is capped at 150 million won and Grade 12 at 10 million won. Injuries are also subject to grade-based compensation limits: Grade 1 is 30 million won and Grade 14 is 500,000 won. For property damage, up to 1 billion won is compensated per accident.

■ Fines by Non-Enrollment Period... 300,000 Won for 30 Days, 1.2 Million Won for 60 Days

Facilities that fail to comply with the insurance enrollment obligation are subject to fines. Fines are calculated based on the period of non-enrollment, and these penalty standards are stipulated in Article 89 of the Enforcement Decree of the Framework Act on the Management of Disasters and Safety.

If the non-enrollment period is 10 days or less, the fine is 100,000 won. From day 11 to day 30, 10,000 won per day is added starting from day 11, bringing the fine to 300,000 won at 30 days. From day 31 to day 60, 30,000 won per day is added starting from day 31 on top of 300,000 won, resulting in a fine of 1.2 million won for 60 days of non-enrollment. If the period exceeds 60 days, the fine is calculated by adding 60,000 won per day starting from day 61 on top of 1.2 million won. The maximum fine is 3 million won.

■ Facility Operators Need to Verify Enrollment Status and Insurance Period

Disaster liability insurance is a system designed to prepare for facility operators' liability and protect accident victims. Facilities that fall under the statutory enrollment categories need to verify whether they are enrolled and the insurance period. In particular, since the types and sizes of facilities subject to enrollment are specifically defined, facility operators must confirm whether they meet the requirements.

[The enrollment obligation and coverage of disaster liability insurance may vary depending on the statutory requirements of each facility, the type of accident, and the insurance contract. Actual applicable standards must be confirmed through the relevant authorities and insurance companies. This article was written with some assistance from AI.]