雇主责任保险的发展困境及对策

我国雇主责任保险自开办以来一直发展比较缓慢。造成这种发展困境的原因是多方面的，其中主要的原因是：法律制度不完善；保险公司在人才储备、数据积累、风险管控等方面准备不足；雇主惟利是图，保险意识和法律意识薄弱；政府职能缺失。雇主责任保险摆脱发展困境，实现快速健康发展的主要对策有：加强立法，完善法制环境；加强保险公司自身建设；提升雇主的保险、风险、法制意识，激活雇主责任保险的市场需求；积极发挥政府作用，推动雇主责任保险发展。

The Development Difficulties and Countermeasures of the Employer's Liability Insurance

The development of the employer's liability insurance in China has been slowed down since it was started.Many reasons account for this problem,but the mains are followings: law and principle are not perfect;the insurance company is short of competent person,statistic dates,management and control of risks;employer consider the benefit as the only goal and are short of law and risk consciousnesses;government function is not efficient.In order to get rid of the development difficulties of the employer's liability insurance and realize the health development,there are lots of countermeasures.First is to enhance legislation and perfect the environment of law.Second is to reinforce the build of insurance company.Third is to upgrade the consciousness of insurance,risk and law of the employer,and to activate the demand of market.Last is to make good use of the government function and promote the development of the employer's liability insurance.