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环境污染责任保险,是加强环境污染治理的一项制度举措。运用保险机制处理环境污染损害,能够提高企业环境风险管理意识,有效减少环境污染事故发生。如企业环境污染事故不幸发生,也能够迅速应对污染事故,更为重要的是,能够及时补偿污染受害者权益,减轻企业对污染事故的赔付压力。现阶段,我国环境污染责任保险仍处于试点阶段,而且实践运行不容乐观。当然,环境污染责任保险推行难的原因是多方面的,最为重要的是我国环境污染责任保险缺乏法律制度上的保障。因此,借鉴国外关于环境污染责任保险的成功经验,以期构建与完善我国环境污染责任保险法律制度体系。
Environmental pollution liability insurance is an institutional measure to strengthen environmental pollution control. The use of insurance mechanisms to deal with environmental pollution damage can raise awareness of enterprise environmental risk management and effectively reduce the occurrence of environmental pollution accidents. Such as the unfortunate occurrence of environmental pollution accidents, but also to quickly respond to pollution incidents, more importantly, timely compensation for the rights and interests of victims of pollution, reduce business pressure on pollution accident compensation. At this stage, China’s environmental pollution liability insurance is still in the pilot phase, and the practice is not optimistic. Of course, there are many reasons for the implementation of environmental pollution liability insurance. The most important reason is that our country’s environmental pollution liability insurance lacks legal protection. Therefore, drawing on the successful experience of foreign countries in respect of environmental pollution liability insurance, with a view to building and perfecting China’s legal system of environmental pollution liability insurance.