我国环境责任保险承保范围之思考:兼论渐进性污染的可保性问题

A Research on the Scope of Coverage for Environmental Liability Insurance in China and Insurability of Progressive Pollution

环境责任保险承保范围法律概念的明确与否,将直接决定可能产生的环境责任保险理赔和相关诉讼能否得到明确的规则指引。但环境责任保险承保范围的界定过程本身是一种政策选择,诸多客观局限的存在也使得环境责任保险承保范围的界定呈现出动态变化和不确定性的特征。结合现阶段治理环境的社会需求和保险行业的供给能力,保险政策和法律应当对渐进性污染和突发性污染不加区分、一体承保,但可在不断促进环境污染损害法律责任规则明确化和司法裁判规则稳定化的同时,考虑引入新型保险措施提升保险公司的承保能力以控制渐进性污染风险对保险公司带来的不利风险,如保险共营和再保险、风险区分和不同保险费率设计、责任限额和免配额等。

Whether the legal concept of the environmental rectly determine whether environmental liability insurance liability insurance coverage scope claims and related lawsuits can is clear or not will di- be clearly regulated However,the process of defining the coverage scope of environmental liability insurance is a kind of policy choice. The existence of many objective limitations also makes the coverage scope determination dynamic and uncertain. Taking into consideration the social needs of the current governance environment and the supply capacity of the in- surance industry, insurance policies and laws should not differentiate between progressive pollution and abrupt pollu- tion, but may consider introducing new insurance solutio on insurance companies, for example co-insurance and rates, and liability cap and deductibles, etc. ns to control reinsurance negative impacts of progressive pollution risks risk segmentation and differentiated premium