职业责任保险是指以专业人员因职业过失而造成他人人身伤害和财产损失的赔偿责任为保险标的的保险。其历史已有100余年,但在60年代以前却并不引人注目。此后由于城市化、法制制度的臻于完善以及因为职业过失而引起的诉讼案在经济发达国家的逐渐增多,职业责任保险才获得了迅速的发展。 在众多的职业责任保险中,医疗失职责任保险所占的比重最大。在美国其保费收入在1989年即有 Occupational liability insurance refers to the insurance covered by the liability of a professional staff member for causing personal injury and property damage due to professional negligence. Its history has been more than 100 years, but it did not attract much attention until the 1960s. Since then, due to urbanization, the perfection of the legal system and the increase of lawsuits arising from professional negligence in economically developed countries, the rapid development of professional liability insurance has been achieved. Among the many occupational liability insurance, medical malpractice liability insurance accounts for the largest proportion. In the United States, its premium income was in 1989