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随着我国产险市场竞争的加剧,以及保险市场逐步呈现出保险需求多元化,国内产险公司纷纷开办了一些适销对路的非寿险产品,这主要集中在责任保险上,如产品责任保险、医疗责任保险、旅行社责任保险、注册会计师职业责任保险、建设工程设计责任保险、场所责任保险等等。这些配置险种将财产损失险与人身保险有机组合起来,为产品创新提供了新思路。
With the aggravating competition in the property and casualty insurance market in our country and the diversified insurance demand in the insurance market, domestic property and casualty insurance companies have started a number of non-life insurance products that are marketable. These are mainly concentrated on liability insurance such as product liability insurance, Medical liability insurance, liability insurance for travel agencies, professional liability insurance for certified public accountants, construction project liability insurance, venue liability insurance and so on. These configuration insurances combine the property loss insurance with life insurance and provide new ideas for product innovation.