Study On The Development Of School Liability Insurance In China

In recent years,campus safety accidents have occurred frequently in our country,and the characteristics of diversity,complexity and suddenness have emerged,which seriously threaten the safety of students in school and the normal teaching work in school.Among them,campus facility injury accident,school bus safety accident and campus injury accident account for a large proportion of campus safety accidents,and the number of accidents still continues to increase.The occurrence of these accidents not only brings huge compensation pressure and public opinion pressure to the school,but also brings endless pain to the injured students' families.Many disputes between the family and the school arise from this,and even cause "school trouble" in serious cases.Therefore,both from the school perspective and from the perspective of student safety,we need to adopt a mechanism to solve this problem.If the school is insured by the school's liability insurance,it can not only reduce the compensation pressure of the school,but also give some financial compensation to the injured students,so as to solve the disputes.Since the implementation of the school liability insurance in our country,in the treatment of campus safety accidents have achieved good results,but also exposed many problems in the process of development,such as the school liability insurance system of relevant laws and regulations is not perfect,is difficult to define,product homogeneity serious accident responsibility,and narrow the scope of insurance liability,claims,the school liability insurance development around regional differentiation,unable to realize fair safeguard,premium source is not unified and slow development of liability insurance,etc.These problems seriously hinder the healthy development of the school's liability insurance,so that the school and the injured students do not benefit much from it,and do not fully reflect its function and role.Therefore,it is urgent to improve the school's liability insurance to meet the higher requirements of the current society.Taking someone uses sodium hydroxide to attack students and teachers in Kaiyuan county kindergarten as a case,discussing the function and role of the school liability insurance,analyzing the feasibility and necessity of the development of the school liability insurance in our country,and combining with the school liability insurance in our country development present situation and problems,in Canada,Japan and the United States the experience of practice and making a profound study on the basis of predecessors' relevant theory,put forward the feasible development Suggestions,in order to help to the development of the school liability insurance in our country.