A Study On Employer’s Liability Compulsory Insurance Of China

The employer’s liability insurance, which as main one of the liability insurance, was born in Britain in the 19th century. The reason of the creation for the employer’s liability insurance at first was to solve the compensation for accident resulted in damage to the staff for the widespread use of the machine at the industrial revolution. The employer’s liability insurance not only has a better solution to the accident caused damage, maintain social stability, but also promots the economic development. At the same time, the economic development has led to the development of the employer’s liability insurance.. At present, the employer’s liability insurance has grown very mature in developed country.In the 1980s, China’s resumption of the insurance industry. To meet the need of the foreign-funded enterprises in china, the people’s property insurance companies started the cross-cultural employer’s liability insurance. After 30 years development, the insurance industry has made eye-catching development and the employers liability insurance has also achieved greater progress. But compared with the developed countries and regions, the development of the employer’s liability insurance was rather delay. In 2008, the premium income of liability insurance was 8.18 billion yuan, accounting for the proportion of property insurance was 3.5%; the employer’s liability insurance premium was 1.89 billion yuan, accounting for the proportion of liability insurance was 23%, the premium of the employer’s liability insurance accounting for the proportion of liability insurance was less than 1%.January 1,2004, "insurance regulations of the industrial Injury" formally implemented. Injury insurance can provide just the basic livelihood protection, but workers tend to want companies to pay more damages. Therefore,there can not be considered injury insurance, employer’s liability insurance is not necessary. Employer’s Liability Insurance as an insurance with a strong social management function, play an important role in participation in social management and safeguarding social stability, promotion social stability and development, etc.Therefore, the development of employer’s liability compulsory insurance is essential and urgent task.In addition to the introduction, the paper is divided into four chapters:Chapter one outlines the employer’s liability insurance and employer’s liability compulsory insurance. In the first,several key concepts:"employer", "employee", "employment period", "employer responsibility" and "employment relationship" was defined,which lay the foundation for later discussion. Then introduced the concept、features and legal basis of employer’s liability insurance.Chapter two elaborate the history of employers liability insurance, current situation, and summed up the problems of employer’s liability insurance with development.Chapter three, based on the principles of economics, respectively, from the public intervention, game theory, supply and demand point of view, explain the reasons of implementation for compulsory employer’s liability insurance.Chapter four sets out the employer’s liability compulsory insurance measures.