中国高危行业实施强制雇主责任保险的研究——以山西煤炭行业为例

Research on Compulsory Employer’s Liability Insurance in High-risk Industries of Our Country

当前,我国高危行业的安全生产形势极为严峻,各种潜在或实际的风险严重危害着相关工作人员的生命和健康。以煤炭行业为例,矿难事故频发,不但给国家和企业带来了损失,也使遇难矿工及其家属的生活陷入了困境。在敲响安全生产警钟之时,政府应探索一条以商业保险公司运作法定保险为模式,发展煤炭行业强制雇主责任保险的道路,将保险与安全生产融为一体,实现市场各方利益的结合。

At present,safe production situation is extremely serious in high-risk industries of our country.A variety of potential or actual risks endangered the live and health of related workers.Taking coal as an example,mining accidents not only cause losses to country and enterprises,but also bring difficult situations to dead miners and their families.While sounding the alarm of safe production,our government should explore a correct way to solve this problem through encouraging commercial insurance companies to operate statutory insurance businesses and develop compulsory employer’s liability insurance in coal industry,so mat it can combine insurance and safety production together and achieve a combination of the interests of all parties.