雇主责任险是以被保险人的雇员在受雇过程中遭受意外而致受伤、死亡或患职业性疾病,被保险人根据法律或雇用合同所应承担的经济赔偿责任为保险标的责任保险。论文从煤矿业入手,力图通过对这些问题的研究为开发煤矿雇主责任险找到突破口,使得这一险种能在最需要它的地方发挥应有的作用。 Employee liability insurance is based on the insured person’s employee suffered accidental injury, death or occupational disease in the employment process, the insured person under the law or contract of employment should bear the financial liability insurance coverage liability insurance. Starting from the coal mining industry, the paper attempts to find a breakthrough in the development of liability insurance for coal mine employers through the research on these problems so that this insurance can play its due role where it is needed most.