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一、建筑行业的特点决定其应实行意外伤害保险建筑业是个高危行业,而建筑用工大都是农民工,文化素质不高,安全意识薄弱,工伤事故的发生难以预料。为保护建筑业从业人员合法权益,转移企业事故风险,增强企业预防和控制事故能力,实行意外伤害保险势在必行。意外伤害保险属于商业保险的范畴,商
First, the characteristics of the construction industry decided that it should implement accidental injury insurance construction industry is a high-risk industries, and construction workers are mostly migrant workers, cultural quality is not high, safety awareness is weak, the occurrence of accidents is unpredictable. In order to protect the lawful rights and interests of practitioners in construction industry, transfer the risk of accident of enterprises and enhance the ability of enterprises to prevent and control accidents, it is imperative to implement accidental injury insurance. Accidental injury insurance is a category of commercial insurance