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利润损失险是在物质财产遭受保险责任范围内的损毁后,保险人对被保险人由于营业中断而导致的预期利润损失及必要支出的损失提供补偿的保险。它承保的是企业的间接损失,在国外的发展已日臻成熟,而在我国发展严重滞后,不能满足企业在自然灾害或意外事故发生后尽快恢复生产的保障需求。本文分析了利润损失保险在我国的发展现状及存在问题,在此基础上提出了我国利润损失保险的发展思路。
The loss of profit insurance is the insurance of the loss of the expected profits and the necessary expenses incurred by the insurer due to business interruption after the material property is damaged within the scope of the insurance liability. It covers the indirect loss of the enterprise and its development abroad has matured. However, the development in our country lags behind seriously and it can not meet the needs of enterprises to resume production as soon as possible after a natural disaster or an accident occurs. This paper analyzes the current situation and existing problems of the profit loss insurance in our country, and on this basis puts forward the development of the profit loss insurance in our country.