Judicial Recognition Of Employer Liability Insurance Liability In Dangerous Work

Employer's liability insurance,as an innovation and supplement of social security mechanism,plays an important role in the field of workers' compensation for damages.With the vigorous development of market economy and China's commercial insurance industry,more and more enterprises,institutions,self-employed businesses and other operators engaged in high-risk occupations will choose the employer's liability insurance as their insurance in order to disperse risks and improve management.A basic means of loss control.In the case of a business department v.B insurance company's employer's liability insurance liability dispute,the two parties mainly focus on the facts of the case to debate: first,whether the insurance company should bear the insurance liability for the death of Wang,an employee of the insured;second,the actual amount of insurance benefits that the insurance company should pay to the insured.Based on the analysis of the two controversial focuses,especially the first one,which involves the relevant issues,this paper concludes whether the insurance company should bear the insurance liability or not,and extends the liability of the individual industrial and commercial employees due to work-related injury insurance and employer liability insurance under the circumstances of competition.At the same time,it prompts the insurance company to explain the performance of obligations in practice.The bank standard puts forward its own views and suggestions.