工伤保险对于美国企业是一项很大的负担,专业自保公司是美国企业风险管理的创新性工具,为企业节省了巨额保费,并增加企业的价值。我国的工伤保险体制是社会保险与雇主责任保险相结合的保险体制,随着人们生活水平的提高、法律意识的增强、物价水平的上升,责任保险的经济赔偿金额将越来越高。我国企业建立专业自保公司承保超额的工伤保险,会增强大型企业的风险管理水平,并从真正意义上使工伤保险做到预防、补偿和康复相结合。 Work injury insurance is a big burden on U.S. companies, and professional self-insurers are innovative tools for managing corporate risk in the United States, saving companies huge premiums and increasing their value. China’s industrial injury insurance system is a combination of social insurance and employer’s liability insurance system. With the improvement of people’s living standards, legal awareness and price level, the amount of financial liability insurance liability insurance will be higher and higher. The establishment of a professional self-insurance company in our country to cover an excessive amount of work-related injury insurance will enhance the risk management of large-scale enterprises, and in the true sense, make work injury insurance a combination of prevention, compensation and rehabilitation.