环境污染责任保险可以分散环境损失,减轻企业负担,缓解社会矛盾,更充分的体现了分配正义。但是,我国的环境污染责任保险供需均存在不足。故应当结合我国的国情创新现有的环境污染责任模式,如以财政支持型的强制责任险为主、设置弹性保险费率、适当扩大承保范围、延长索赔时效等。 Environmental pollution liability insurance can disperse environmental losses, reduce the burden on enterprises, ease social conflicts, and more fully reflect the distribution of justice. However, there is not enough supply and demand of our country’s environmental pollution liability insurance. Therefore, it is necessary to innovate the existing modes of environmental pollution liability in light of China’s national conditions. For example, we should set up a flexible insurance rate based on the financially supported compulsory liability insurance, appropriately extend the scope of coverage, and extend the limitation of claims.