浅谈火灾公众责任保险的现状及可行性分析.docVIP

浅谈火灾公众责任保险的现状及可行性分析 　　内容摘要：据不完全统计近10年来，全国共发生火灾191万起，造成2.5万人死亡，直接财产损失高达145亿元。商场、市场、宾馆、饭店、歌舞娱乐场所等公众聚集场所以及易燃易爆危险物品的生产、储存单位重大恶性火灾更是时有发生，造成的公众伤害及巨大经济损失的问题非常突出，经营单位和企业往往无力承担或者有意逃避对火灾受害人的赔偿责任，给事故善后处理工作尤其是对遇难者家属的安抚工作带来极大困难，大大加重了地方政府的灾害救济负担，有的甚至升格为诱发社会不稳定的因素。本文致力于从我国当前火灾公众责任保险的开展现状和今后的发展走向两方面进行研究，以期在进一步全社会增强抗御火灾风险的能力的基础上,有效保护各类单位和人民群众的合法权益,达到促进社会和谐稳定的重要意义。 　　关键词：火灾；保险；可行性 　　Abstract: According to incomplete statistics for the past 10 years, a total fire from 1.91 million, resulting in 25,000 deaths, and direct property loss of $ 14.5 billion. Very prominent shopping malls, markets, hotels, restaurants, dance, entertainment and other public gathering places, and the production of inflammable and explosive dangerous goods, the major storage unit vicious fire occur, the public due to damage and huge economic losses, operating units and enterprises often can not afford or intention to evade liability for fire victims, especially for the families of the victims to appease the tremendous difficulties to dealing with the aftermath of accidents, greatly increased the burden of local government disaster relief, and some even upgrading of the factors that lead to social instability. This paper aims to study from our current fire public liability insurance to carry out the present and future development to two, in order to further enhance the ability to resist fire risk of the whole society on the basis of the effective protection of the legitimate rights and interests of the various types of units and the masses, achieve the promotion of the importance of social harmony and stability. 　　Keywords: fire; insurance; feasibility 　　中图分类号:P426.1+6献标识码A 文章编号： 　　 　　火灾公众责任保险是以被保险人因火灾造成的对第三者的伤害所依法应付的赔偿责任为保险标的的保险产品。实践证明，推行火灾公众责任险可以通过市场化的风险转移机制，用商业手段解决责任赔偿等方面的法律纠纷，使受灾企业和群众尽快恢复生产和生活秩序，对于切实维护公民合法权益，促进社会和谐稳定功效显著。 　　火灾公众责任险的定义及特征。 　　火灾公众责任险是指在保险有效期限内，被保险人在经营场所内依法从事生产、经营等活动时，一旦发生火灾事故造成第三者人身伤亡所引起的医疗费用和抚恤费用以及依法应由被保险人承担的民事赔偿责任，由保险公司在责任范围内作为赔偿资金的提供者向受害人提供赔偿的险种。 　　剖析火灾公众责任险本身可以看出它具有三个明显特征：一是赔