Research On Security Liability Insurance Of Primary School And High School

Recently the accidents occurred frequently in school has severely disturbed the normal education behave in school, which also brought deep hurt to the students and the parents and harmful affection to the whole society, in order to protect the legal right and the normal education behave of school, the school accidents must been disposed by some valid approaches, and the School Liability Insurance is a new attempt. It is an insurance for the students hurts and accidents which the school owner the law liability.Although the way disposed accident through the liability insurance has started in several provinces, there are difference between different areas. How to summarize these practices and analyze the existed problems is precondition for building the system of School Liability Insurance, so there is necessary that investigating the current situation, summarize these practices and analyze the existed problems, discovery the long and valid regime of school accident disposition that protecting the legal of students and improving the teaching quality.First there is necessary to build suitable school security liability insurance system, because the amount of school accidents increased more year by year, furthermore the ability of school about assuming the responsibility of security accident is very limited.Secondly from three aspects which consist of nation, local and insurance company about prescript of school security liability insurance, analyze the situation of building school security liability insurance and policy. Through investigating the recognition and attitude about school liability insurance from nation education institute, school, insurance company, students and their parents, also analyze several typical cases.Then according to some thesis about sharing mechanism of school security liability insurance and current experience from the principal parts of sharing liability insurance expenditure, based on three aspects including compulsory education stage, non-compulsory education stage in public school and non-compulsory education stage in private school, propose some suggestions about building the sharing mechanism of school security liability insurance.Last explain some basic questions about school liability insurance, for example, consumption liability insurance, the contents of insurance contract, the relation of insurance, the liability and limits of insurance, the situation of avoiding liability, the consisting of insurance premium, and the disposing procedure of conflict.