The Development Research Of Our Country’s Safety Production Of High-Risk Industry Liability Insurance

In recent years, The State Administration of Work Safety issued "on the guidance advice of high-risk industry to promote safety production liability insurance", marking our country takes more and more attention to the social management features of insurance. It is possible to introduce the insurance mechanism into the field of work safety. However, just looking at our country’s current situation, it is difficult to promote the safety production liability insurance in the field of work safety, Therefore it is the first pilot to promote work safety liability insurance in high-risk industries, in order to summarize the development experience of safe production liability insurance, find out its insufficient, to promote safety production liability insurance better in the field of work safety, take the insurance in full effect of prevention and post-compensation, improve national security production system, ensure the national production safety work that carry out healthily and orderly, and provide an extra layer of security for the safety production workers to maintain social stability.First of all, this paper defines high-risk industries by introducing the safety production liability insurance background, and analysis the development of safety production liability insurance in-depth; Then briefly analysis the current development of high-risk industries one by one, and analysis the incidence of accident in the high-risk industry further, on the basis of the brief analysis, it leads to the development situation of safety production liability insurance, and proposes the main problems existing across the development, then analysis the reason of existing problems, the reason contains both the interference of external factors, and the insurance company’s own internal reasons, for example, the intention of the insurance company to supply safety production liability insurance is not strong, the lack of professionals and other; following by that, it introduces the successful experience of transferring safety production liability risks effectively of developed insurance market such as Germany, USA and Japan, Summarizes the viable place where our insurance companies can learn from, such as implementing the compulsory insurance in the field of safety work, making the related legislation of liability insurance perfect and giving the tax support,etc.; Finally, it proposes some strategies at the points of enhancing the insurance awareness, recruiting talent, improving the legal system of insurance-related and other to promote business development of safe production of high-risk industry liability insurance.