상법 제720조가 일반조항인 상법 제680조의 책임보험 분야에서의 특별조항이라는 입장이어서 특별규정설이라고도 한다.
Since Article 720 of the Commercial Act is a special provision in the field of liability insurance under Article 680 of the Commercial Act, which is a general provision, it is also called a special provision.