METHOD FOR EVALUATING ENVIRONMENTAL IMPARIMENT LIABILITY OF TOXIC CHEMICALS AND SYSTEM FOR PLANNING ENVIRONMENT ACCOUNTABILITY INSURANCE USING THE SAME

The present invention provides a method for evaluating an environmental pollution indemnity risk of toxic chemicals and a system for calculating environment liability insurance using the same which efficiently manage environment liability insurance target businesses. According to an embodiment of the present invention, the system for calculating environment liability insurance using a method for evaluating an environmental pollution indemnity risk of toxic chemicals comprises: an environmental pollution indemnity risk calculation unit to calculate an environmental pollution indemnity risk of a company wanting to buy environment liability insurance based on the following equation 1 employing a material risk and a material action to be applied to a nearby indemnity source based on types and quantities of toxic chemicals used for a preset period by the company; and an environment liability insurance design unit to design environment liability insurance of the company based on the environmental pollution indemnity risk. [Equation 1] environmental pollution indemnity risk (Y) = correction body health influence factor (HIF) * latent risk factor (LaRF) * property influence factor (PIF) * liability risk factor (LiRF). The correction body health influence factor (HIF) is a factor calculated by body health influence factor (HIF) * NFPA health hazard risk (NFPA HHR). The property influence factor (PIF) is a corrosion influence factor (CIF). The liability risk factor (LiRF) is vapor density (VDR) * correction emergency plan establishing factor (ERPG*) * physical phase influence factor (PIF). The correction emergency plan establishing factor (ERPG*) is 83116 * Exp(-0.007*ERPG)+1. 본 발명의 일 실시예에 따른 유해화학물질의 환경오염배상위험도 평가 방법을 이용한 환경책임보험 산출 시스템은 환경책임보험을 가입하고자 하는 업체에서 기 설정된 기간동안 사용한 유해화학물질의 종류, 양을 기초로, 인근의 배상원에 가해질 물질 위해도 및 물질 작용성이 적용된 하기의 식 1에 근거하여 상기 업체의 환경오염배상위험도를 산출하는 환경오염배상위험도 산출부; 및 상기 환경오염배상위험도를 기초로 상기 업체의 환경책임보험을 설계하는 환경책임보험 설계부를 포함한다. [식 1] 환경오염배상위험도(Y)= 수정인체건강영향도(HIF) * 잠재위험도(LaRF) * 재물영향도(PIF) * 배상위험도(LiRF)이고, 여기서, 수정인체건강영향도(HIF)는 인체건강영향도(HIF) * NFPA 건강위험도(NFPA HHR)로 산출된 인자이고, 재물영향도(PIF)는 부식위험도(CIF)이고, 배상위험도(LiRF)는 증기밀도(VDR) * 수정비상계획수립인자(ERPG*)* 물리적 성상 위험도(PIF)이고, 수정비상계획수립인자(ERPG*)는 4.83116 * Exp(-0.007*ERPG)+1이다.