The Comparative Study Of The Domestic And International Environmental Liability Insurance

While the evils of pollution have long been recognized, it is only within the last 25 to 30 years that state and federal governments have taken a comprehensive role in repairing and preventing environmental damage. The environment liability insurance is the outcome of the market economy development. It has the characteristic of commerciality and publicity. Insurance has the function of transferring and dispersing dangerous. This kind of function makes environment liability insurance which has the tendency of being public welfare not only the put a layer* bulletproof garment" on pollution, become the economy development of* steady press the machine", but also become a kind of * escort the warship* for the sustainable development of the society. Europe and America are the nation which at the earliest stage to stand as guarantor the environmental indemnity by insurance, and proceeded the thorough investigative nation to the environment liability insurance. The abroad study of environment liability insurance coverage, the design of insurance kind, the mode of underwriting and the factors just like the adverse selection and the moral hazard which affects environment liability insurance, deserving insurance commerce and the government of china to draw lessons from. Through the comparative research, it can be seen that the Chinese environment liability insurance market still is in a condition of development now, needing from enhance the theories research, perfect system design, establish the liability system, certain insurance mode etc. and considering the country state of the nation, drawing lessons from the foreign experience to further perfect the environment liability insurance system. Through the nowadays situation of the international community insurance industry and the developments of the present condition with the economy, we can see that the environment liability insurance starts presenting the tendency of insurance industry being combined with banking and stock certificate industry, the insurance means combined with tax means, the insurer combined with insured benefits, the insurer combined with insurer, the insurance liability insurance compensation combined with environmental indemnification fund and the insurance being commercial combined with the insurance acculturates increasingly.