1. The plaintiff's appeal and the defendant's appeal are all dismissed.

2. The costs of appeal shall be borne by each party.

purport, purport, and.

1. Facts of recognition;

A. (1) On July 18, 2013, the Plaintiff entered into an indemnity insurance policy with C, which operates the “BE” as a small sales business entity (hereinafter “BE”) by setting the insurance period from July 18, 2013 to July 18, 2016; and the Defendant is an individual business entity operating a cooling system repair business.

(2) As far as the temperature of the coolant installed within the instant marina (hereinafter “instant coolant”) increases, the relevant parties requested repair to the Defendant.

From October 21, 2014, F, an employee of the Defendant, accepted the instant coolant from the morning to the morning, and determined that the reverse strawer connected to the instant coolant (where electricity flows in a reverse direction, an apparatus blocking electricity in order to protect the compressionr) and algoti (a heat prevention device blocking electricity in order to protect the compressionr if the compressionr is overhetor is overheat), and that electricity connects electric wires to the compressionr for supply to the compressionr without going through the above reverse strawer and algoti, and completed repair by re-operationing the compressionr.

(3) On October 21, 2014, at around 23:50, a fire (hereinafter “instant fire”) occurred in the warehouse of the instant marina, and the Plaintiff paid the policyholder C a total of KRW 169,653,559 as insurance money for the instant fire damage.

B. On-site inspection results of a fire incident conducted by the Seoul Metropolitan Police Agency shall be recorded as follows:

(1) In the case of the air conditioners 1, 2, and 3 (this case’s air conditioners have a total of three compresseds; the compresseds on the left-hand side 1; the compresseds on the left-hand side 2; the compresseds on the middle-hand side 2; the compresseds on the right-hand side 3; and the compresseds on the right-hand side 3) the motor vehicle safety devices (referring to the air conditioners and Arabics on the right-hand side 3) of the air conditioners.