Research On The System Of Environmental Liability Insurance In China

Environmental liability insurance is the responsibility of risk through socialization address the problem of environmental pollution damages, its one of the effective ways to protect victims of environmental pollution timely because of their huge compensation and bankruptcy of enterprises have played an important role. Environmental liability insurance system theory and practice in our country are inadequate and should be based on national conditions and the level of economic development of our country, drawing on the advanced experience of Western developed countries in the development of good measures of our environmental liability insurance system.This article is divided into four parts:Part I describes the profiles of the system of environmental liability insurance system in our country.Environmental liability insurance refers to the insured person environmental violations resulting in third party's property rights, personal rights, the environment caused damage to the insured person to the environment should bear liability, governance and the responsibility for costs arising from the insurance subject to the promotion of economic development for the purpose of absolute liability insurance. Its characteristics are: The first, the main alternative compensation. The second, environmental liability insurance is the third person to fill the insured person has suffered loss liability, but in essence it is not a third party liability insurance absolutely. The third, environmental violations include personal rights, property rights and environmental rights. The fourth, environmental liability insurance to cover damages is a civil responsibility. The fifth, because of the injury that is uncertain and complicated, the contract of environmental liability insurance must follow the principle of presumption of causality. The sixth, the responsibility is restricted. It leads to a dependence of environmental liability insurance. The government needs to provide some support. Part II describes the necessity for establishing the system of environmental liability insurance.Firstly, the system of environmental liability insurance can compensate timely to the victims of environmental pollution, and it can protect the public environmental interests.Secondly, the system of environmental liability insurance can reduce business uncertainty, lower business operating costs, to prevent enterprises...