我国环境污染强制责任保险的法律困境及应对

The Legal Dilemma of Compulsory Liability Insurance for Environmental Pollution in China and Its Response

“环强险”需要在预防原则的指引下发挥事前救济功能,确定其适用范围并有效应对道德风险。在“环强险”保险合同成立之前,保险机构的定价应建立在对投保企业进行专业风险评估的基础之上。投保企业的环境管理水平、环境风险水平甚至经营状况都会影响保费定价。实施“环强险”实质上促进生产企业选择较为清洁的能源技术,提高资源利用率,从而达到降低环境污染事故发生的效果。

The“compulsory liability insurance for environmental pollution”needs to function as an ex ante remedy under the precautionary principle,to determine its scope of application and to effectively deal with moral hazard.Before the establishment of the insurance contract,the insurance agency’s pricing is based on a professional risk assessment of the insured company.The level of environmental management,the level of environmental risk and even the operating conditions of the insured company will affect the premium.The implementation of“compulsory liability insurance for environmental pollution”essentially promotes the choice of cleaner energy technologies and improves resource utilization by the production enterprises,thus reducing the incidence of environmental pollution accidents.