Research On Public Liability Insurance Limit Mode Setting

With the increasing of large public entertainment places such as composite department stores and stadium,public liability risk is gradually revealed due to the complexity of the structure and using property and large flow of people.Since the improvement of people's legal consciousness,managers prefer to insure the public liability insurance to transfer their liability of compensation.However,the development of public liability insurance is restricted by the problem that the establishment of the compensation limit is not based on the degree of risk,so the liability risk can not be transferred effectively.Firstly,the public liability risk evaluation index system was established on the base of the system theory and the disaster theory,which was combined with the statistical analysis of the public liability accident.The analytic hierarchy process was used to get the weight of hazard factor and vulnerability of the bearing object.Secondly,the coupling degree of public liability risk was determined by the index weight and utilization of efficacy function and coupling function model.The coupling value of the highest risk was used as the basis of distinguishing underwriting place,and then the risk classification was analyzed by MES.Finally,the setting mode of compensation limit was combined with the quantitative model of accident consequence.The research was verified by an example of comprehensive entertainment mall.