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责任保险目前只有机动车辆第三者责任险作为责任保险的第一大险种,承保率较高。其次是承运人责任险、雇主责任。其他如产品责任保险、公众责任保险、职业责任保险以及建筑工程保险等则处于未开发的处女地。为此,笔者建议加速开发责任保险的处女地。 1.雇主责任保险:由于经济体制改革的深化,对外开放的扩大,非公有制经济成份的增加,以及《劳动法》的完善,雇主责任保险已开始受到外资企业、合资企业以及私营企业业主的重视。这类企业出现的因工致伤、死亡或职业病所引起的民事赔偿
Liability insurance currently only motor vehicle third party liability insurance liability insurance as the largest insurance, underwriting rate higher. Followed by carrier liability insurance, employer responsibility. Others such as product liability insurance, public liability insurance, occupational liability insurance and construction insurance are in virgin land. To this end, I propose to accelerate the development of liability insurance virgin land. 1. Employer liability insurance: Due to the deepening of the reform of the economic system, the opening up to the outside world, the increase in the non-public sector of the economy, and the improvement of the Labor Law, employer liability insurance has begun to attract the attention of foreign-funded enterprises, joint ventures and owners of private-owned enterprises . Civil compensation for such enterprises resulting from work-related injury, death or occupational disease