The US Environmental Liability Insurance System And Its Implications For China

China has carried out the research work that it is lack of experience in a small area about environmental liability insurance from the 1990 s. So far, 28 provinces in China have been began to carry out the work. But there are lots of problems for China's current environmental liability insurance system: lack of mandatory authorities behind it?environment violation cost is low?technical merit is not high?insurance products has little kind?insured enthusiasm is very low.On the premise of constantly enhance the standard of industrialization, environmental tort which aggression to upon environmental victims' right and insurance the cost of enterprise. So it is very urgent task that establish a perfect system of environmental liability insurance has the considerable role of shared loss. The America that has experienced four stages of innovation practice is one of the earliest countries to carry out the environmental liability insurance system. Consequently, it's useful drawing on the successful practice of American environmental liability insurance system for our country.This paper includes five parts:The first part is the prolegomena, introduces the current situation and trend of the development of environmental liability insurance. The second part is discusses the creation and development of environmental liability insurance of America. The third part is introduces system design and insurance products(CCC?PLL?STPI?SEAL?GCPL?OCEIP?CPL?E&O)about the environmental liability insurance of America. The fourth part is introduces the present situation and existing problems of the environmental liability insurance in China. The last part is about the optimization of suggestion that carry out the environmental liability insurance work in China.