在打专利战之前,你可知道专利保险有啥用?

//在打专利战之前,你可知道专利保险有啥用?

在打专利战之前,你可知道专利保险有啥用?

在各种涉及专利的交易中,专利保险扮演了重要的地位。 专利不像一般的实体资产有清楚的外观,权利的界限得透过解读说明书来确定,有效性也很可能受到挑战,甚至因此完全消灭。 因此,对交易双方来说,专利权是否有瑕疵成为必须了解与控制的风险。

专利保险有何价值?

专利保险的功能就是弥补此类风险所造成的损失。 因为,保险公司在承保以前,专利内容一般会由专家审核;一旦发生财务损失,就由保险公司根据保单理赔。 根据一份经济合作发展组织(OECD)的研究指出,实行专利保险后,专利权在某些交易中的价值可以提高约10%。

在中国大陆,专利保险的价值显著。 由于中国正在发展专利法制建设,从业人员的素质仍在提升,获证专利的范围和有效性并不如欧盟、美国专利来得稳定,市场对于中国专利效力的信心也就相对较低,不利市场发展。 因此,专利保险提供的理赔补偿,将是推动专利运营的重要助力。

西方专利保险制度,在中国有无适用空间?

在已开发国家中,专利保险已经相当成熟。 许多大型保险公司如AIG都提供多样化的专利保险险种,如侵权排除险(abatement insurance)、智财权综合险(multi-peril intellectual property)、诉讼辩护险(defense insurance)…… 等。

这些险种是否能覆盖涉及中国大陆的专利交易,尚不得而知,但理论上有可行性。 专利权是一种属地的权利:一家中国企业可以在中国境内申请专利来保护创新发明,但它若想将保护范围延伸到美国,就得向美国的专利商标局(USPTO)提出专利申请。 即使这项专利是由一家中国公司拥有并且实施,但仍然得由USPTO依据美国专利法进行核发。

因此,即使交易发生在中国,或是由中国企业参与,只要交易的标的是美国专利,美国的保险公司应该愿意承保。 只不过,理赔范围也可能受限,因为涉及中国市场的某些交易,或者专利实施样态,未必被纳入这些大型保险公司的承保范围中。

中国现在有哪些专利保险险种?

从2014年开始,中国开始推行专利保险的试点计划,第一阶段试点涵盖了20个城市,如今已增加到超过50个城市,省级政府对于试行的具体内容也有自主权。 试行到目前为止,IP相关的保险只限于专利;可以预期的是试点的范围将会继续扩大,而专利保险的种类也会更加多元。

省级政府因为握有一定主导权,在实际执行上也都根据各自情况有所调整。 例如江苏省就把重心放在诉讼辩护险上。 江苏省境内的高科技企业经常面临专利蟑螂骚扰,对此需耗用常态运营之外的财务、管理资源来因应。 因此,江苏省的试行计划目标,就是减低企业因应此类骚扰时的成本负担。

By | 2017-04-20T11:55:48+00:00 二月 15th, 2017|Categories: 专利通说|Tags: |在打专利战之前,你可知道专利保险有啥用?已关闭评论

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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.