The Optimization Study Of Inductrial Injury Insurance And Employer Liability Insurance

The social insurance system of injury in our country is the combination of injury insurance and employer liability. Rational injury insurance rate plays a positive role in the stabilization of fund of injury insurance and the improvement of the sound production of the enterprises. At present, the differentiation of injury insurance industry is not detailed enough, and the relationship between the rates and industry risk is not relevant enough. There is a considerable difference between industries of the same insurance rate. Employer liability insurance as injury insurance complement, both employers accept insurance of injury insurance after risks, however, employers with injury insurance liability and no effective combination of its role has not been fully utilized. At present, the employer liability rate division is according to the insured types of work of division, its rate of dividing the risk rank no industry combination, did not fulfill the difference of the employer liability insurance premium.The premise of redefinition injury insurance rate is reasonable industry risk classification, taking thousand mortality rate as the industry risk classification index with clustering method, puts forward a new industry risk classification level, divided 19 professions into 13 risk levels, then according to the new industry risk grade with 0.5% for injury insurance difference basic rate of injury insurance, adjust the difference of injury insurance rate. Comprehensive consideration of injury insurance income and expenses rate and enterprise casualties indexes, guarantee the balance of the fund of injury insurance , meanwhile, not aggravating enterprise of industrial injury insurance burden, floating each industry distinction rate, get injury insurance payment rate.Also, according to the new industry risk classification level and insurant types of work divided difference levels of rates come up with the basic rate of employer liability insurance. According to industrial injury accident loss workday and industrial injury accident data calculate each industry average serious rate of dead hurt and disable serious average rate, so as to determine the death rates of employers liability insurance and anew ensure disable rate of employers liability insurance. Though correction factor to determine the proportion of deaths and injuries rate, and finally definite employers liability insurance rate, in order to achieve the purpose of optimized industrial injury insurance and employers liability insurance rates, offer reference opinion to the employer when they want to insure injury insurance and employers liability insurance. Finally, this paper uses the coal industry verification analysis injury insurance and employers liability insurance.