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职业病是雇主责任保险的一项保险责任,是一个国家从农业社会转向工业社会而出现的新的风险。职业病危害在我国已成为一个重大的公共卫生问题和社会问题,从商业性保险的角度看,职业病的风险与普通的责任风险有本质的区别,保险公司在经营雇主责任保险业务时需要根据职业病的风险特性,合理厘定费率,完善保险条款,对雇主责任保险实施科学的风险管控。
Occupational disease is an insurance liability of employer’s liability insurance, a new risk that a country emerges from agricultural society to industrial society. Occupational hazards have become a major public health and social problem in our country. From the perspective of commercial insurance, the risks of occupational diseases are essentially different from the ordinary ones. Insurance companies need to be responsible for occupational diseases Risk characteristics, reasonably determine the rates, improve insurance terms, and implement a scientific risk control over employer liability insurance.