国外营业中断保险制度及其启示

Business interruption insurance in foreign countries and its indication

我国营业中断保险发展严重滞后,不能满足企业在重大自然灾害或意外事故发生后及时恢复生产的保障需求。本文从承保方式、保险责任、保险金额和赔偿期限等方面对国外部分国家营业中断保险制度进行了比较研究,并重点分析了这些制度运行的成功经验,进而基于我国营业中断保险发展的现实情况及企业对于因营业中断导致的利润损失保障的客观需求,提出了促进我国营业中断保险发展的设想。

The development of China＇s Business Interruption Insurance lags behind many other countries, which can＇t meet the need of immediate production restoration of the suffered firms after severe nature disasters or accidents. This paper comparatively studies the Business Interruption Insurance in respect of underwriting, coverage, amount insured, term of indemnity, etc. of some counties, in particular, the successful experiences in some developed countries. Furthermore, the design of establishing and improving China＇s Business Interruption Insurance system is proposed based on the current situation and objective needs of profit loss coverage due to business interruption.