加强高危行业雇主责任保险风险管控的思考

鉴于高危行业安全生产事故频发,商业保险公司开展此类雇主责任保险时,有必要采取适度风险管控措施,以保证公司的正常经营。本文介绍了高危行业安全生产事故发生情况,分析了影响高危行业雇主责任保险承保风险的因素、经营中比较突出的问题,并就开展高危行业雇主责任保险承保风险管控提出了具体对策。

Enhancement on Employer's Liability Insurance in High-risk Industries

Due to the frequent occurrences of operative accidents in high-risk industries, insurance companies which promote such type of Employer＇ s Liability Insurance should take certain risk control measures to ensure the smooth running of the company. This thesis introduces the situation of operative accident occurrences in high-risk industries, analyzes the elements that influence the underwriting of Employer＇ s Liability Insurance in high-risk industries, and the sharp questions arising from operational procedures as well. Meanwhile, the writer also brings forward the countermeasures to control the acceptance risks of Employer＇ s Liability Insurance in high-risk industries.