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責任保險                           咨詢電話:0551-65220168

        1、責任保險的內容
  責任保險,是指以保險客戶的法律賠償風險為承保對象的一類保險,它屬于廣義財產保險范疇,適用于廣義財產保險的一般經營理論,但又具有自己的獨特內容和經營特點,從而是一類可以獨成體系的保險業務。   
       首先,責任保險與一般財產保險具有共同的性質,即都屬于賠償性保險。   
       其次,責任保險承保的風險是被保險人的法律風險。        
       再次,責任保險以被保險人在保險期內可能造成他人的利益損失為承保基礎。根據業務內容的不同,責任保險可以分為公眾責任保險、產品責任保險、雇主責任保險、職業責任保險和第三者責任保險五類業務,其中每一類業務又由若干具體的險種構成。
        2、責任保險的基本特征
    責任保險與一般財產保險相比較,其共同點是均以大數法則為數理基礎,經營原則一致,經營方式相近(除部分法定險種外),均是對被保險人經濟利益損失進行補償。              
      (一)責任保險產生與發展基礎的特征,責任保險產生與發展的基礎不僅是各種民事法律風險的客觀存在和社會生產力達到了一定的階段,而且是由于人類社會的進步帶來了法律制度的不斷完善,其中法制的健全與完善是責任保險產生與發展的最為直接的基礎。   
   (二)責任保險補償對象的特征,盡管責任保險中承保人的賠款是支付給被保險人,但這種賠款實質上是對被保險人之外的受害方即第三者的補償,從而是直接保障被保險人利益、間接保障受害人利益的一種雙重保障機制。   
    (三)責任保險承保標的的特征,責任保險承保的卻是各種民事法律風險,是沒有實體的標的。保險人在承保責任保險時,通常對每一種責任保險業務要規定若干等級的賠償限額,由被保險人自己選擇,被保險人選定的賠償限額便是保險人承擔賠償責任的最高限額,超過限額的經濟賠償責任只能由被保險人自行承擔。    
       (四)責任保險承保方式的特征,責任保險的承保方式具有多樣化的特征。在獨立承保方式下,保險人簽發專門的責任保險單,它與特定的物沒有保險意義上的直接聯系,而是完全獨立操作的保險業務。在附加承保方式下,保險人簽發責任保險單的前提是被保險人必須參加了一般的財產保險,即一般財產保險是主險,責任保險則是沒有獨立地位的附加險。在組合承保方式下,責任保險的內容既不必簽訂單獨的責任保險合同,也無需簽發附加或特約條款,只需要參加該財產保險便使相應的責任風險得到了保險保障。   
    (五)責任保險賠償處理中的特征1.責任保險的賠案,均以被保險人對第三方的損害并依法應承擔經濟賠償責任為前提條件,必然要涉及到受害的第三者,而一般財產保險或人身保險賠案只是保險雙方的事情;2.責任保險賠案的處理也以法院的判決或執法部門的裁決為依據,從而需要更全面地運用法律制度;3.責任保險中因是保險人代替致害人承擔對受害人的賠償責任,被保險人對各種責任事故處理的態度往往關系到保險人的利益,從而使保險人具有參與處理責任事故的權力;   4.責任保險賠款最后并非歸被保險人所有,而是實質上付給了受害方。


 

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