如果“火”有失,消防就有逃不掉的责任。古往今来,消防与保险都有着密不可分的联系,它们都是预防和减少危险损害最主要的社会化防灾机制,其存在的前提都是危险,目的是为了提高人们的防范意识,认识到风险存在的重要性,并分别通过国家赋予的行政手段和经济手段来消除隐患以保障人民的生命财产安全,因此具有很强的相通性。火灾公众责任险具有转嫁经营业主风险、维护社会稳定、降低火灾事故发生概率的社会管理功能,与消防不谋而合。 If the “fire” is lost, there is fire escape responsibility. Since ancient times, both fire protection and insurance have an inextricably linked relationship. They are all the most important social disaster prevention mechanisms for preventing and reducing danger damage. Their preconditions are all dangerous. The purpose is to raise people’s awareness of prevention and recognize the existence of risk It also has strong interlinkability through the elimination of hidden dangers by the administrative means and economic means granted by the state respectively in order to protect people’s life and property. Fire public liability insurance has the social management function of passing on the risk of operating the proprietor, maintaining social stability and reducing the probability of a fire accident, which coincides with fire control.