A Study On The Coordinated Development Of Employer Liability Insurance And Industrial Injury Insurance

China's occupational injury compensation system started late in recent years,gradually formed a work injury insurance,employer liability insurance supplemented by the compensation system,the system in a clear employer responsibility to resolve compensation in terms of timely made no small achievements.However,China's existing occupational injury insurance system is still inadequate.For example,the different legal,regulatory and judicial interpretations at the legislative level are ambiguous and even contradictory to the positioning and relationship of industrial injury insurance and employer liability insurance,which leads to the embarrassment and lagging development of employer liability insurance and can not fully play its role.Coupled with the recent years,the employer liability insurance claims rate has been high,there is a huge loss,which is contrary to the profitability of commercial insurance companies,resulting in some insurance companies to give up the business,which the development of employer liability insurance has been extremely unfavorable influences.To solve these problems and further improve the system of occupational injury compensation for our employees is the purpose of this study,which is both the need of legal construction,it is the need of social and economic stability,but also as the starting point of this paper to study the coordinated development of employer liability insurance and industrial injury insuranceEmployer liability insurance,as the basis of liability insurance,developed in China for more than 20 years.The new "Industrial Injury Insurance Regulations" introduced in 2011,further consolidating the status of industrial injury insurance,but the work injury insurance in the scope of protection,payment items,security standards are still inadequate,and the employer risk transfer needs and employees growing Security requirements do not match the actual needs.Over the years the industrial injury insurance fund surplus too much,it is exposed in the pay injury when the short board.Employer liability insurance in the scope of protection,the degree of protection compared to the work injury insurance has certain advantages,the protection of the two overlapping,which laid the foundation for the coordinated development of the two,so the two can live in harmony.This paper is based on the field investigation,the Taiping Property Insurance Jiangxi Branch of the development of employer liability insurance as a perspective,and analysis of two kinds of work injury insurance in the operation of the Nankang furniture factory,and then spread to the current injury insurance,especially the employer Responsibility insurance in the development of ecology in the market.In this paper,through the field research,found that the employer liability insurance in the operation of the market problems exist in the insurance company's lack of operational capacity,business,insurance companies are not standardized,unreasonable injury compensation,the market is not sound and so on a series of reasons.There are some problems such as the lack of legal system,the lack of standard of work injury and the lack of self-service ability of the insurance company,the lack of insurance awareness and legal consciousness of the insurance company,and the noncompliance operation of the insurance company for the employer liability insurance and the work injury insurance And other issues.Based on the analysis and demonstration,this paper puts forward some suggestions on how to improve the work injury and the laws and regulations,as well as the supplementary countermeasure of the employer liability insurance in the workers' injury system and strengthen the supplementary function of the employer liability insurance in the employee injury system.Such as the innovation of employer liability insurance products,standardize the internal management of insurance companies,to promote the coordinated development of employer liability insurance and work injury insurance,to build a more scientific and reasonable employee insurance system to better protect the interests of employees.After investigation and study,refer to the relevant literature,read the information on employers' liability insurance and ask the insurance company senior staff found that Jiangxi Province,the employer liability insurance market and even the country's employer liability insurance market have encountered similar development bottlenecks.Since the existence of employer liability insurance is required by the market,it should not abandon the employer liability insurance.Therefore,the ultimate goal of this paper is to improve the existing industrial injury system,so that the process of research and conclusions can be consistent with the current development environment for the employer liability insurance and work injury insurance to better coordinate the development of the corresponding contribution to the power The Employer liability insurance is bound to demand for the market,in the current social environment,should actively promote the employer liability insurance and work injury insurance coordinated development.This paper argues that under the current coexistence model of industrial injury insurance and employer liability insurance,we should actively promote the coordinated and complementary development of the two,especially in the context of the promotion and continuous improvement of the current work injury insurance,we should strive to improve the employer's responsibility The development trend of insurance.And actively promote the establishment of a comprehensive with our characteristics of workers injury prevention and relief system in order to achieve the long-term development of employer liability insurance,and fully protect the interests of our employees.