Korea Gas Accident Liability Mandatory Limit & Coverage Gap Calculator

Compare an authority-confirmed high-pressure gas, LPG, or city-gas profile with the current policy’s death and property limits, then stress-test its deductible and remaining aggregate.

Statutory profile and confirmation

Each preset summarizes a statutory table. Selecting it does not establish a legal duty, permit status, or compliance.

LPG specified user / standard business — KRW 300M property

The KRW 300M Annex 23 group covering specified users, installers, sellers, storage operators, general group suppliers, delegated carriers, and listed chargers.

LPG specified-user screening boundary

Rule Article 75 includes listed food businesses of at least 100 m² in protected facilities or basements, meal facilities for at least 50 people, traditional-market storage over 100 kg, and other non-residential storage at 250 kg or, for listed systems, 500 kg.

Current policy limits

Copy the named insured, premises, operations, bodily and property limits, aggregate, and deductible from the certificate and schedule.

Severe-accident stress scenario

This is a simplified death-limit stress test. It does not classify injury or disability, liability, fault, exclusions, or claim payment.

Mandatory-limit and scenario-gap results

Current review status

Confirm duty and classification

Confirm the legal profile for the facility, business, and gas use before relying on the limit comparison.

Death-limit gap per person

KRW 50,000,000

Property-limit gap per accident

KRW 100,000,000

Modeled policy payout

KRW 300,000,000

Modeled business retention

KRW 350,000,000

Confirmed minimum versus current schedule

Confirmed minimum versus current schedule
ItemConfirmed minimumCurrent policyGapArithmetic result
Death per personKRW 150,000,000KRW 100,000,000KRW 50,000,000Review increase/correction
Property per accidentKRW 300,000,000KRW 200,000,000KRW 100,000,000Review increase/correction

Modeled accident limit sequence

Modeled accident limit sequence
StageAmountInterpretation
Total modeled lossKRW 650,000,000Bodily plus third-party property loss
Bodily amount after per-person capKRW 200,000,000People × min(loss per person, current per-person limit)
Property amount after accident capKRW 200,000,000min(property loss, current per-accident limit)
Deductible appliedKRW 1,000,000Applied once and capped at the limit-eligible amount
Remaining policy aggregateKRW 300,000,000Aggregate minus prior erosion, floored at zero
Aggregate gapKRW 99,000,000Post-deductible claim candidate above the remaining aggregate
Modeled protection ratio46.2%

Documents to check before requesting cover or an increase

  • Permit or report showing business type, gas type, supply method, and storage capacity by facility
  • For LPG use, protected-facility or basement status and the 100 m², 50-person, 100 kg, 250 kg, and 500 kg boundaries
  • For specified city-gas facilities, planned monthly use of 3,000 m³ and residential or statutory exclusions
  • Named insured, premises, operations, facility changes, and branch coverage shown in the policy
  • Injury and disability schedules, bodily and property limits, aggregate, prior use, deductible, and exclusions

This is an arithmetic comparison of a user-confirmed profile and entered policy values. It does not establish a legal duty, compliance, liability, or claim payment.

Related calculators

What does this Korea gas-accident liability calculator do?

Korea’s gas-accident liability insurance rules cover third-party death, bodily injury, and property loss arising from regulated high-pressure gas, liquefied petroleum gas, or city-gas operations and use.
The duty and property minimum are not identical for every restaurant, lodging business, gas user, installer, storage operator, or supplier.
This calculator starts with a profile that the user has separately checked with the competent local authority, Korea Gas Safety Corporation, or the insurer, then compares that profile with the current policy schedule.

The first comparison isolates the confirmed statutory death limit per person and property limit per accident.
A second stress test applies a modeled number of severely affected people, bodily loss per person, property loss, one entered deductible, the policy-period aggregate, and prior aggregate erosion.
It is an arithmetic review tool, not a legal classification engine, permit check, liability opinion, loss adjustment, premium quote, or claim decision.

Questions it can organize

  • Which property minimum belongs to the separately confirmed statutory profile
  • How far the current per-person death and per-accident property limits fall short
  • How a deductible and remaining aggregate change a severe-loss scenario
  • Which schedule fields should be corrected or discussed at renewal

Questions it cannot decide

  • Whether a facility is legally subject to the insurance duty
  • Liability, fault, causation, actual damages, or policy coverage
  • An injury or disability grade or a final insurance payment
  • An appropriate premium, insurer, product, or purchased limit

The 2026 Korean framework has three statutory branches

The current statutes, decrees, rules, and annexes were checked through Korea’s official National Law Information OPEN API on August 17, 2026.
The common death reference is KRW 150 million per person, while the property minimum can be KRW 100 million, KRW 300 million, KRW 1 billion, KRW 5 billion, or KRW 10 billion depending on the statutory class.
The following table is only a map of the source structure; a permit, report, facility specification, and official confirmation still control the selected profile.

Comparison of Korea’s three gas-liability statutory branches and property minimum groups
FrameworkInsurance authorityIllustrative covered classesProperty minimum groups
High-Pressure Gas Safety Control ActAct Article 25, Decree Article 18, Rule Article 53Manufacturing, charging, storage, sales, and specified-use reportingKRW 100M · 300M · 5B
LPG Safety Control and Business ActAct Article 57, Decree Article 30, Rule Article 75LPG businesses, specified users, importers, and installersKRW 100M · 300M · 1B
City Gas Business ActAct Article 43, Decree Article 24, Rule Article 64City-gas businesses, specified facilities, and installersKRW 300M · 1B · 5B · 10B

Death, injury, and disability are not one flat number

High-Pressure Gas Rule Article 53 sets death at KRW 150 million per person, with a KRW 20 million payment rule when actual death loss is below that amount.
Rule Annex 33 sets injury grades 1 through 14 at KRW 30 million down to KRW 500,000 and disability grades 1 through 14 at KRW 150 million down to KRW 10 million.
The LPG and city-gas rules link bodily amounts to that schedule, so the calculator’s death-limit check must not be treated as proof that every injury or disability term is correct.

When should an LPG restaurant or meal facility seek confirmation?

LPG Rule Article 75 does not place every LPG user into the same compulsory-insurance class.
Location, business use, capacity, traditional-market status, storage capacity, automatic cylinder changeover or small-tank configuration, and residential use can all matter.
Use the thresholds below as a document checklist, not as an automated eligibility answer.

LPG specified-user conditions requiring a compulsory-insurance classification review
Use caseLocation or use conditionNumeric boundaryDocument to recheck
Food-service businessFirst-class protected facility or basementAt least 100 m²Reported business floor area and occupied section
Institutional meal facilityFirst-class protected facility or basementAt least 50 people at one timeReported accommodation capacity
Traditional-market facilityStorage equipment in a traditional marketOver 100 kgAllocated capacity for shared storage
Other non-residential userOrdinary cylinder storageAt least 250 kgResidential-use exclusion and total capacity
Automatic changeover or small tankOther non-residential useAt least 500 kgEquipment method and installed capacity

Do not decide from floor area or kilograms alone

A 100 m² figure can have a different result when the protected-facility, basement, or business-use condition differs.
Shared storage, multiple branches, facility alterations, cylinder supply, small-tank supply, and supplier consumer-protection cover can add another layer.
Bring the permit or report, gas-supply agreement, completion-inspection material, and equipment specification to the authority before selecting the calculator’s LPG KRW 300 million profile.

What each input means

Confirmed statutory profile

Match the business and facility class shown in the permit, report, completion inspection, gas-supply agreement, and equipment specification.
The presets summarize the official KRW 100 million, KRW 300 million, KRW 1 billion, KRW 5 billion, and KRW 10 billion property groups.

Death limit per person

Copy the policy’s death or corresponding severe-bodily limit per person and recheck the statutory schedule wording.
If the certificate says unlimited bodily cover or uses a combined structure, ask the insurer how it maps to this field instead of making an unsupported conversion.

Property limit per accident

Use the liability limit for third-party buildings, fixtures, inventory, and other property loss arising from the gas accident.
Do not substitute first-party property insurance, tenant fire liability, or business interruption cover for this field.

Aggregate, prior erosion, and deductible

Find the policy-period aggregate and subtract payments already charged to it during the same period.
The model applies one entered deductible to the combined scenario; confirm whether the actual wording applies it by coverage, victim, occurrence, or another unit.

Formulas used by the calculator

Confirmed-minimum gaps

Death gap per person = max(confirmed death minimum − current per-person limit, 0)

Property gap per accident = max(confirmed property minimum − current per-accident limit, 0)

These are separate coverage axes and are deliberately not added into a single statutory-gap amount.
Ask for a correction or increase to each relevant schedule field separately.

Modeled payment sequence

  1. For each person, apply the smaller of modeled bodily loss and the current per-person limit
  2. Apply the smaller of modeled property loss and the current per-accident property limit
  3. Add those candidates and subtract one entered deductible
  4. Subtract prior aggregate erosion and cap the candidate at the remaining aggregate
  5. Subtract the modeled payout from total bodily and property loss to show retained loss

Worked example: LPG specified-user KRW 300 million group

Assume the authority has identified the facility as belonging to the LPG KRW 300 million property group, while the calculator’s initial confirmation checkbox remains clear.
The confirmed comparison is KRW 150 million for death per person and KRW 300 million for property per accident.
The current schedule has KRW 100 million per person, KRW 200 million property per accident, a KRW 300 million policy aggregate, no prior erosion, and a KRW 1 million deductible.
The fictional accident models two people at KRW 200 million each plus KRW 250 million of third-party property loss.

Worked LPG example showing mandatory-limit gaps and modeled payment
Calculation itemAmountInterpretation
Death-limit gap per personKRW 50,000,000KRW 150M minus KRW 100M
Property-limit gap per accidentKRW 100,000,000KRW 300M minus KRW 200M
Total modeled lossKRW 650,000,000Two × KRW 200M plus KRW 250M property
Bodily and property limit candidateKRW 400,000,000KRW 200M bodily plus KRW 200M property
Candidate after deductibleKRW 399,000,000KRW 400M minus KRW 1M
Modeled payout after aggregateKRW 300,000,000Capped at the remaining KRW 300M aggregate
Modeled business retentionKRW 350,000,000KRW 650M minus KRW 300M, a 46.2% protection ratio

How to read the example

The per-person death and per-accident property fields are both below the entered statutory comparison, so they need separate review.
The modeled loss also exceeds the schedule limits, and the post-deductible candidate exceeds the aggregate by KRW 99 million.
The KRW 300 million modeled payout is not a claim promise because legal liability, covered cause, injury grades, exclusions, other insurance, actual loss, and adjustment are outside the formula.

Step-by-step workflow

  1. Confirm the controlling branch and facility class.
    Bring permits, reports, completion-inspection records, supply terms, and storage specifications to the local authority, Korea Gas Safety Corporation, or the insurer.
  2. Select only the profile that was confirmed.
    Use manual mode for an exception, mixed operation, or separately confirmed limit instead of forcing the facility into a preset.
  3. Copy the actual schedule.
    Enter the per-person bodily field, property per accident, policy aggregate, prior erosion, and deductible, then recheck named insureds, premises, and covered operations.
  4. Build a severe but documented scenario.
    Replace every fictional default with safety-review evidence, a maximum-loss review, or another explicitly documented management assumption.
  5. Keep statutory gaps and scenario gaps separate.
    Use the first table for limit correction and the second for liquidity and risk-transfer discussion, not as one legal conclusion.

Practical review scenarios

Restaurant expansion or basement relocation

Crossing the 100 m² boundary or moving into a basement can change the documents that must be reviewed.
Recheck the reported floor area, protected-facility condition, LPG equipment, supply terms, premises address, and effective date before the move.

Changing cylinders to a small storage tank

Automatic changeover and small-tank systems require the correct storage-capacity boundary and supplier-cover structure to be checked.
Send the updated completion-inspection and equipment records to the insurer instead of leaving the old cylinder-based premises description unchanged.

Renewal after an earlier loss

A prior payment may reduce the aggregate available for the next accident even when the printed per-accident limit appears unchanged.
Enter prior erosion and ask whether the aggregate reinstates, whether additional limits are available, and how related occurrences are treated.

Specified city-gas facility

City Gas Rule Article 64 uses planned monthly consumption of at least 3,000 m³ for the covered specified-user screen, subject to residential and listed statutory exclusions.
Check the reported planned quantity and exclusions rather than relying only on one month’s invoice before selecting the KRW 300 million city-gas profile.

Limits and cautions

  • A statutory minimum is not the same as an appropriate purchased limit or a maximum credible loss
  • A certificate can still be mismatched to the insured name, premises, operation, gas type, branch, or altered facility
  • Injury and disability follow grade schedules and cannot be replaced by the calculator’s death-limit field
  • The issued wording controls how deductibles, occurrences, related losses, and aggregates apply
  • Fines, penalties, intentional acts, first-party property, employee injury, interruption, and defense costs may be excluded or separately insured
  • Non-insurance consequences differ by statute and person, including administrative action or maximum administrative fines of KRW 3 million, KRW 20 million, or KRW 30 million in the cited provisions; this calculator does not price a penalty
  • Actual payment depends on legal liability, fault, actual loss, adjustment, exclusions, and other insurance

Frequently asked questions

Must every restaurant using gas buy this insurance?

No. The LPG branch can depend on protected-facility or basement status, the 100 m² food-service boundary, 50-person meal capacity, storage capacity, and equipment method. City gas has a separate framework. Confirm the facility instead of deciding from the business name alone.

Is the property minimum always KRW 300 million?

No. The official tables contain KRW 100 million, KRW 300 million, KRW 1 billion, KRW 5 billion, and KRW 10 billion groups. An LPG specified user may fall within a KRW 300 million group, but only after the class is confirmed.

Does KRW 150 million per person make all bodily cover adequate?

No. KRW 150 million is the death reference per person. Injury and disability use grade schedules, and multiple people can make aggregate and occurrence wording important.

Should modeled retained loss be zero when the statutory minimum is met?

Not necessarily. Actual modeled loss can exceed per-person or property caps, a deductible can apply, and the aggregate can be partly or fully eroded. Statutory-minimum arithmetic and risk-transfer adequacy are different questions.

What should I enter if the aggregate is unclear?

Find the policy-period aggregate or maximum total payment in the schedule and ask the insurer whether it reinstates after a loss. Do not automatically copy the occurrence limit into the aggregate field.

Can this result be submitted as proof of compliance?

No. It is an arithmetic worksheet, not a permit, report confirmation, insurance certificate, legal opinion, or loss-adjustment report.

Official sources and maintenance boundary

The official sources were checked on August 17, 2026 through the current-law response of the National Law Information OPEN API.
High-Pressure Gas Safety Control Act ID 001850, MST 283919, Articles 9, 25, and 43 were read with Decree MST 286839 Article 18 and Rule MST 286887 Article 53, Annex keys 003300E and 003302E.
LPG Safety Control and Business Act ID 001849, MST 276549, Articles 57 and 73 were read with Decree MST 278387 Article 30 and Rule MST 282369 Article 75, Annex key 002300E.
City Gas Business Act ID 001851, MST 276497, Articles 43 and 54 were read with Decree MST 284727 Article 24 and Rule MST 285295 Article 64, Annex key 001702E.

Recheck the current-history flag, effective dates, Article 53, Annexes 33 and 33-2, LPG Article 75 and Annex 23, and City Gas Article 64 and Annex 17-2 whenever the law or facility changes.
Update the requirements, constants, tests, Korean content, and English content together if KRW 150 million or any KRW 100 million, KRW 300 million, KRW 1 billion, KRW 5 billion, or KRW 10 billion group changes.

Recalculate with the permit, facility record, and policy beside you

Replace the fictional defaults with the confirmed statutory profile, actual per-person and property limits, aggregate, prior erosion, and deductible.
Use the separated gap table to ask the authority and insurer about classification, premises, operations, endorsements, and item-specific limit corrections.

The result is a planning worksheet under Korean rules, not legal or insurance advice and not proof of coverage.