Research On The Scope Of Environmental Liability Insurance In China

Environmental liability insurance is the system that contains the rights and obligations between the insured and the insurer who due to shifting environmental tort compensation liability. It is a product which highly integrated of the economic system and the environmental civil tort law system, insurance theory and environmental tort theory.Environmental liability insurance insures the environmental tort liability of the insured polluting the environmental.Environmental liability insurance whether to be successfully established, developed and spread, the key also lies in the proper definition of its coverage. If the range is too small, and with low payment rate, the insured doesn’t have the power to be insured. If the range is too large, the insurer will face higher risk for compensation and even refuse to cover. China’s environmental liability insurance coverage depends directly on the range of the insured in accordance with the civil liability of environmental tort in our current law. The theory of environmental civil responsibility system directly affects the content of environmental liability insurance. To determine the environmental liability insurance coverage. On one hand,needs the help of professional means in insurance, on the other hand must also be studied from the perspective of civil responsibility. This thesis wants to studies environmental liability insurance’s coverage from the perspective of civil liability of scope of cover.Based on the review of foreign research results and domestic existing research results. To combine the situation of our country,the presently legislation about the environmental liability insurance and the pilot situation. Integrate the content of environmental tort liability and insurance law. To analyse and demonstrate all kinds of risk in environmental tort liability and its insurability. Through discussing the meaning and method of the scientific identification of risk, according to the market demand point to point to set the corresponding insurance and establishing the environmental liability insurance liability limit. The paper give some suggestions about how to define the environmental liability insurance coverage. In order to achieve the objective about equity the relationship between the insurer, the insured and the victims, and to promote economic development and environmental protection coordination development.