近来,公共场所火灾、爆炸事件频发,根据以往经验,基本上由政府直接花费巨资为事故买单。而本该在公共场所发生火灾、爆炸等事故后的经济补偿中发挥重要作用的“公共场所火灾公众责任保险”却未能充分发挥其应有的作用。究其原因,我国“公共场所火灾公共责任保险”系自愿购买的商业保险, Recently, fires and explosions in public places have been frequent. Based on past experience, government directly spent a large sum of money on accident pay. However, public liability fires in public places which play an important role in economic compensation after accidents such as fires and explosions in public places have failed to give full play to their due functions. The reason, China “public places fire public liability insurance ” is a voluntary purchase of commercial insurance,