A. The Plaintiff, as a party, operated food sales business in the name of “F” in the first floor G147 of Changwon-si E commercial building (hereinafter “instant commercial building”).

Defendant B is the owner of the first floor G130 of the instant commercial building, and Defendant C operated the toy automobile sales store in the trade name of “G” under G130.

Defendant Samsung Fire and Marine Insurance Co., Ltd. (hereinafter “Defendant Samsung Fire”) is the manager of the instant commercial building, and Defendant Samsung Fire and Marine Co., Ltd. (hereinafter “Defendant Samsung Fire”) is the insurer who entered into an insurance contract for fire and business compensation of the instant commercial building between Defendant Seocho City on May 29, 2014.

B. On May 29, 2014, Defendant 1 and Defendant Samsung Fire Insurance Agreement entered into an insurance contract with Defendant Samsung Fire with respect to the instant commercial buildings, the insurance period of which was from June 1, 2014 to June 1, 2015, and the property damage insurance for the instant commercial buildings and facilities (hereinafter “Section 1 insurance”).

) Liability insurance covering liability for damages between the insured and the insured (hereinafter referred to as “Section 4 insurance”).

The purpose of Section 1 is to compensate the insured for direct and physical damages arising from the insured’s immediate and incidental event in the context of the insurance. Section 1 sets the insurance coverage amount of KRW 127.3 billion in buildings and facilities (the interior, etc.), KRW 1.7 billion in variable power generation facilities, KRW 1.7 billion in office fixtures, and KRW 1.0 billion in office fixtures, respectively, with the subject matter of the insurance as “building and facilities (the interior, etc.), variable power generation facilities, and household fixtures.”

The purpose of Section 4 insurance is to compensate for any loss sustained by the insured as a result of physical disability of the victim or damage to property of the victim due to an insured event within the coverage period, within the coverage period of the insured.