Research On The Developmental Pattern Of China’s Domestic Liability Insurance

Domestic liability insurance originated at the beginning of this century.It is a liability insurance for the domestic service industry.It protects domestic workers from accidental injury,disability,death during employment,or personal injury and property damage to the employer or a third party due to negligence.Domestic liability insurance can not only help domestic workers to disperse occupational risks,but also share the financial compensation pressure of domestic service agencies and family employers,providing a new solution to the difficulty of lack of social security for domestic workers in our country.While safeguarding the rights and interests of all subjects in the domestic service industry,domestic liability insurance has also explored new growth points for the development of liability insurance in china and escorted the implementation of poverty alleviation policies.This paper analyzes the development and evolution of domestic liability insurance in the past two decades.First,the concept and status quo of the domestic service industry and domestic liability insurance are expounded.In recent years,the domestic service industry has prospered and developed,but the domestic liability insurance relying on the domestic service industry has not been widely popularized,and its potential has not been fully tapped.Secondly,by constructing a game model,it discusses the choice of the main body of domestic service in the commercialization pattern and government subsidy pattern,and explores the reasons why the domestic liability insurance "good evaluation,bad box office".The advantages and disadvantages of the existing commercialization pattern,government subsidy pattern and poverty alleviation pattern are analyzed through the specific policies of each region and insurance schemes under different pattern.Although the three pattern have differences in terms of commercial competition,flexibility and insurance combination.However,the beneficiaries are both family employers and domestic service workers.Compared with individuals,the government and insurance companies pay more attention to the choice of domestic service enterprises.Thirdly,follow the static game model to discuss the compulsory insurance pattern of Hong Kong,by analyzing the domestic insurance pattern and systems in Chinese Hong Kong,Australia and Japan,we have summarized the experience and enlightenment that we can learn from.The development of domestic liability insurance is inseparable from industry norms,clarification of legal responsibilities and government supervision.Finally,make recommendations for domestic liability insurance pattern selection and follow-up operations.It is suggested to adopt a parallel pattern of commercialization and government subsidies at this stage,control the scope of implementation of the poverty alleviation pattern,ensure the continuity of policies,and take the compulsory insurance pattern as the ultimate goal.The operation of domestic liability insurance is further guaranteed by improving the legal system construction,improving the standardization of the domestic service industry and raising the subject’s risk awareness.