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本文通过分析比较发达国家或地区环境污染责任保险的模式并分析其近年来在我国推行步履维艰的原因,建议我国的环境污染责任保险应借鉴美国的强制保险与任意保险相结合的责任保险模式,即对某些高度危险性的行业及易于发生环境侵权的行业和突发性的环境污染事故频发企业采取强制责任保险;而对于非高度危险的行业和一般性、反复性或持续性事故所引起的环境污染损害的企业采取任意性保险的原则。
This paper analyzes and compares the mode of liability insurance of environmental pollution in developed countries or regions and analyzes the reasons why it is difficult to implement in our country in recent years. It is suggested that our country’s environmental liability liability insurance should draw lessons from the compulsory insurance in the United States For some highly hazardous industries and industries prone to environmental infringement and sudden environmental pollution accident-prone enterprises to take compulsory liability insurance; and for non-highly hazardous industries and general, repetitive or continuous accidents caused Environmental pollution damage to the business to take the principle of arbitrary insurance.