Research On The Development Of Pet Liability Insurance In China

Under the influence of various factors such as increased disposable income,population aging and increased work pressure,the number of pets in China has increased rapidly.At present,pets in China are still dominated by pet dogs and pet cats.Keeping pets can delight people's moods and reduce their loneliness,but a large number of pets will inevitably bring many social problems.The pet's temperament is sometimes difficult to control artificially,and once the pet is stimulated,it will hurt or damage the object.According to China's Tort Liability Law,if the animals raised cause damage to others,the animal breeder or manager shall bear the tort liability.Therefore,the pet breeder not only has to bear the cost of the pet diet or medical treatment,but also may be compensated for the medical expenses or property damage of the third party,and the breeder can transfer the insurance to transfer the risk.At present,this kind of insurance in China is pet liability insurance,which guarantees the personal and property damage of the third party caused by the behavior of the insured pet,and the resulting legal fees,arbitration fees and so on.This paper adopts the basic research method based on qualitative analysis and quantitative analysis.It analyzes the necessity of the existence of pet liability insurance in China by analyzing the online wisdom pet insurance.Although the number of pets in China has grown rapidly,the breeders are also looking forward to the research and development of related products in the insurance industry.However,after more than a decade of development,the insurance for third-party pets on the market has not met expectations.Therefore,this paper analyzes the development of pet liability insurance and provides a theoretical basis for the subsequent development of pet liability insurance in China.Through the case analysis method,this paper mainly studies the related issues in four parts.Firstly,by analyzing the causes and significance of the pilot of "pet wisdom management + insurance" in Ningbo,the necessity of pet liability insurance in the context of a large increase in pets in China is explained.Secondly,it discusses the development status of pet liability insurance in China,and analyzes several typical pet liability insurances on the market to find out the main problems in the development of petliability insurance in China,and discusses the impact of pet liability insurance in China Factors of development.Thirdly,pet liability insurance is quite developed abroad.The UK pet insurance premium is the world's number one.Sweden is the first country to insure pets.The pet insurance in the US and Japan is also mature.Therefore,by analyzing the successful experiences of these developed countries in pet liability insurance,it provides a reference for the development of pet liability insurance in China.Finally,combining the above materials,the development of China's pet liability insurance is proposed from the perspective of the government and the insurer: the government accelerates the construction of relevant laws and regulations for the pet industry and provides supportive policies for the development of pet liability insurance;Kinds of pet insurance,increase the scope of insurance coverage,and expand publicity to raise awareness of national insurance.