选择“责任险方案”投保工伤保险更符合企业利益

Better to Choose"Liability in Surance scheme"to Ensure(Supplementary)Industrial Injury Insurance for Enterprise's Interests

(补充)工伤保险是近年来我国商业保险市场的新生事物。在我国产、寿险分业经营的制度下,财产险公司和寿险公司分别从自己的角度推出了适应这个需求的产品。并由此形成了"责任险方案"和"人身险方案"并存的市场供给局面。本文从法定责任转移、纳税优惠以及前瞻性三方面对两种方案进行了分析对比,得出结论:选用"责任险方案"更符合投保企业的利益。

(Supplementary)industrial injury insurance is the new things of the business insurance market of our country in recent years.Under the system that the property and life insurance are operated separately in our country,the property insurance and life insurance company have put out different products to meet the demand from their own sides respectively.The'liability insurance scheme'and 'personal insurance scheme'are coexisting to provide the service to the market.This article aims to analysis and contrast the two schemes from three aspects:shifting the legal risk responsibility,favorable taxes and advancing predict Draw the conclusion:it is more favorable to choose'Liability insurance scheme'for enterprise's interests.