體育課是學生在校學習期間最喜愛的課程之一，因為體育課程對生理、心理和社會健康皆有所助益。然而，體育課程相較於其他課程有較高的風險疑慮，因為體育課程通常為身體活動課程。雖然體育風險管理策略可分為保留、降低、轉移、及規避，但是多數體育教師甚少使用保險制度來轉移體育課之風險，當意外發生面對法律訴訟與龐大賠償金額時才後悔莫及。本文利用與保險業者訪談以及體育教師的角度來解析「教職員責任保險」制度推行不盛的原因，其原因可歸因為資訊缺乏、保險觀念不足與心存僥倖等。希望透過此文幫助體育教師們能對「風險管理」有進一步的瞭解與重視，更加完善體育課程之風險管理。

Physical education (PE), one of the students' favorite courses, is beneficial for students' health in physiology, mentality and society. However, physical education is usually considered as higher risk activities compared to other courses since this program is all about body actions. The strategies of physical risk management were divided into reservation, reduction, transference and avoidance, but most PE instructors seldom use insurance system to lower the risks brought through the classes. It is too late to feel regret when the real accident is happened and the consequent lawsuits with huge amount of compensation. Through interviewing with insurance companies and PE teachers, this research was aimed to analyze and reason why the Teacher Liability Insurance was unpopular in campus. The possibilities were due to lack of information, inadequate knowledge of insurance and lucky thoughts. This research was expected to help PE teachers have further understanding and attention on the importance of "risk management." Moreover, the risk management of physical education courses can be improved better.