Case Analysis Of Domestic Comprehensive Liability Insurance In China

Under the background of aging population and two-child policy,the increasingly fierce social competition and the greater pressure of work,people's consumption demand for domestic service is increasing day by day.At present,China's domestic service industry has great market potential and broad development prospects and plays an important role in promoting consumption,improving people's livelihood and expanding employment.However,the risk of responsibility in the process of domestic service will not only cause personal injury and property loss of domestic bodies,but also affect the reputation and development speed of the industry because of domestic disputes.In this context,domestic comprehensive liability insurance came into being.As an insurance product specially designed for domestic service industry,domestic comprehensive liability insurance not only protects the domestic service industry,but also enriches the insurance products and plays an important role in helping the government to solve the problems of employment and poverty alleviation.Therefore,it is of great theoretical and practical significance to study domestic comprehensive liability insurance.In 2018,the domestic agency platform Guan Jia Bang and China Pacific Property Insurance Co.,Ltd cooperated to launch domestic comprehensive liability insurance,which is a portrayal of the cooperation model of "property insurance company plus domestic agency ".By analyzing the positive influence and deficiency of this model,then study the development countermeasures of domestic comprehensive liability insurance in China.The main research contents are as follows.On the basis of case introduction and case analysis,this paper first analyzes the necessity and feasibility of developing domestic comprehensive responsibility insurance in China.Secondly,studies its development status,existing problems and causes from three angles of product,purchase and policy.It is concluded that there are many domestic liability insurance products on record,strong purchasing consciousness and policy call,but there are product defects,low insurance rate and insufficient government subsidy.These problems are mainly related to the current situation of the domestic service industry,the risk control of insurance companies,and the differences of opinions among the bodies of domestic service and so on.Thirdly,compares and analyzes the domestic related insurance systemof the United States,Japan and Australia,and sums up the experience and enlightenment that our country is worthy to use for reference.Finally,in view of the problems existing in the development of China's domestic comprehensive liability insurance at the present stage and drawing lessons from foreign experience,the following countermeasures and suggestions are put forward: giving full play to the role of legal authority and government guidance,including improving the law and strengthening supervision,increasing support and subsidies,awareness-raising and employment guidance;standardizing domestic bodies' behavior and increasing social propaganda,including strengthening training of domestic service institutions,raising awareness of risk prevention,increasing publicity from all walks of life;enhancing the ability of product innovation and channel development of insurance companies,including the introduction of more reasonable constraints,the design of targeted products at different levels,and strengthen cooperation with domestic service institutions.