The Thinking Of Improving The Liability Insurance Of Primary And Secondary Schools In China

Campus incidents involving injuries have been the problem of social security so that parents and schools talking crazy. Which, the school bus safety issues of primary and secondary schools is becoming a focus of the society recently. From a national perspective, the number of bus-related traffic is in the increasing trend in recent years. In addition, primary and secondary school campus incidents involving injuries, food poisoning incidents, drowning events and houses collapsed accidents, these incidents also account for a large proportion. These accidents not only bring pain to the affected families, but also to the school with a huge pressure, and also the beginning of huge lawsuit claims. If schools purchase the school liability insurance, the school of the debts will be greatly reduced. On the other hand, because of our citizens have comprehensively improved the overall quality these years; the public awareness of the rights has improved. After students suffering campus incidents in the school authorities, parents have the right to pursue claims; schools are also aware of the need to actively bear liability due to their own mismanagement or negligence. So we need put forward higher requirements on improving our school liability insurance.Currently, our primary and secondary school liability insurance had achieved certain development, but also found many problems in the actual operation, such as legal guarantees at the macro terms and underwriting and claims process at micro terms. Specific problems:the legal system is not perfect, premium source is not enough, the defects of terms, the insurance quantity can not meet the market demand, and the liabilities do not covered a wide range, the compensation is too low and so on. These problems are summed up on the practical experience of promoting primary and secondary school liability insurance in China. Because of the defects, primary and secondary schools did not benefit much from the school liability insurance. The school liability insurance does not fully reflect the functions it should be.Therefore, in order to fully protect the rights of the student victims, reduce the school Payout pressure, and Guarantee the healthy development of China’s educational, we must constantly improve our school liability insurance. On the basis of in-depth study of previous theoretical and Guangxi Zhuang Autonomous Region school liability insurance status, and learn from the mature experience of the developed countries, I put some countermeasures to constantly adapt to the actual needs of our school, and I hope to be able to provide a reference for future generations in this field, for expanding the scope of the popularity of the school liability insurance, and thus make a contribution to the healthy development of China’s education.