海上貨物運送是人類所使用最普遍且便利的運送方式，近年 /海來全世界海盜攻擊事件日益增加，索馬利亞海盜攻擊劫持 船舶、貨物或船員，要求船東支付巨額贖金，才釋放所劫持的財 貨及人員。本研究探討海盜攻擊與保險問題，研究發現海盜攻擊 的毀損於1983協會船體保險中將海盜列為承保範圍，但是貨物 保險中僅ICC, 1982 (A)條款有承保；而船東依海盜要求所支付的 贖金，可透過投保劫持與贖金保險補償。

Shipping transport is the most popular and convenient way to transport cargo. The piracy activities around the world substantially increase in recent years. Somalia Pirates attack ships and hijack the ship, cargo and crew. These properties can be returned only after ship owner pay for huge ransom. This study discusses the behavior of pirate attack and the coverage of marine insurance. It is found that the damage of pirate attack is covered within the 1983 Institute Hull Clauses and marine cargo is insured by 1982 (A) Institute Cargo Clauses. The ransom paid by ship owners to the pirate can be compensated by insuring the marine kidnap ransom insurance