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开发农民工雇主责任保险的必要性和可行性分析
引用本文:刘珺.开发农民工雇主责任保险的必要性和可行性分析[J].商业研究,2006(8):110-112.
作者姓名:刘珺
作者单位:西北农林科技大学,陕西,杨凌,712100
摘    要:农民工雇主责任保险有利于保护农民工的生存权和健康权,有利于农民工家庭经济稳定;有利于企业再生产的顺利进行;有利于保险业的成长;有利于社会的稳定和减轻国家财政的负担。政府应该通过税收优惠、强制保险和完善法律、法规扶持雇主责任保险的开发,保险业应通过限制保险金额、规定绝对免赔额和利用再保险降低和转移经营风险,厂家应积极购买雇主责任保险来转移雇主责任风险。

关 键 词:农民工  雇主责任保险  民事赔偿责任
文章编号:1001-148X(2006)08-0110-03
收稿时间:04 4 2005 12:00AM
修稿时间:2005年4月4日

The Research on the Importance and Possibility of Developing Employer's Liability Insurance for Farmet Empoyees in China
LIU Jun.The Research on the Importance and Possibility of Developing Employer''''s Liability Insurance for Farmet Empoyees in China[J].Commercial Research,2006(8):110-112.
Authors:LIU Jun
Institution:Northwest University of Agricultural and Forestry reclmolgies, Yangling, Shared 712100, China
Abstract:Employer's liability insurance for farmer employees cand protect farmer employees' living right and health right thereby maintaining the economic safety of their families.By insuring enterprise reproduction it may improve insurance firms,which can ensure of social stability and reliering of governmantal budget burden.Supporteal by favorable taxation complete law system insurance firms should decrease and transfer risks by restricting sum insured and deductible and reinsurance,with the active participation of enterprises.
Keywords:farmer employee  employer's liability insurance  civil indemnity liability
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