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责任保险是指以被保险人依法应当对第三人承担的损害赔偿责任或经特别约定的合同责任作为标的的一类保险。因责任保险以被保险人对第三人的赔偿责任为标的,又被称为第三人保险或第三者责任险。一般来讲,责任保险主要包括产品责任险、职业责任险、公众责任险、第三者责任险和雇主责任保险六大类。 责任保险是保险业发展到高级阶段的必然产物,它的产生与发展与国家的法律制度、国民的法律意识息息相关。责任保险的开展为顺利解决各类民事赔偿责任事故提供了一个有力的保障和支持渠道。
Liability insurance refers to a category of insurance subject to the insured person’s liability for damages or third-party contractual liability assumed by a third party according to law. Because of liability insurance to the insured person as the third party liability for compensation as the standard, also known as third party insurance or third party liability insurance. In general, liability insurance includes product liability insurance, occupational liability insurance, public liability insurance, third party liability insurance and employer liability insurance six categories. Liability insurance is the inevitable product of the insurance industry to an advanced stage. Its emergence and development are closely linked with the legal system of the country and the legal awareness of the people. The development of liability insurance provides a powerful guarantee and support channel for successfully solving various types of civil liability incidents.