我国家政保险市场发展现状、问题及对策研究

Research on the Present Situation, Problems and Countermeasures of China’s Household Insurance Market

家政责任保险是在不断的发展中出现的为了保障家政人员、家政企业和雇主的权益而出现的新险种。随着我国家政服务业的蓬勃发展,家政服务人员在提供服务过程中可能导致的意外伤害或财产损失,使得家政责任保险的重要性日益凸显。家政保险作为一种特殊类型的保险产品,旨在为家政服务人员提供风险保障,同时也为雇主家庭提供一定的风险规避措施。本研究旨在分析我国家政保险市场的发展现状,并针对存在的问题提出相应的对策建议。

Domestic liability insurance is a new type of insurance which appears in continuous development in order to protect the rights and interests of domestic workers, domestic enterprises and employers. With the vigorous development of the domestic service industry in China, the accidental injury or property loss that may be caused by the domestic service staff in the process of providing services makes the importance of domestic liability insurance increasingly prominent. As a special type of insurance product, domestic insurance aims not only to provide risk protection for domestic service staff, but also to provide some risk aversion measures for employers and families. The purpose of this study is to analyze the current situation of the development of China’s domestic insurance market, and put forward corresponding countermeasures and suggestions in view of the existing problems.