近年来,我国煤矿业安全隐患严重,矿难事故频发,不但给国家和企业带 来了损失,也使遇难矿工及其家属的生活陷入了困境如果不能在经济和物质 上为遇难矿工提供相应的保障,不仅会影响工人的生产积极性,降低煤矿企业 的经济效益,长期下去,还会影响社会的安定因此,煤矿工人的工伤损害赔 偿问题至关重要 作者在文章中简要的介绍了雇主责任保险的概念及作用,概括了我国雇主 责任保险的发展现状,并分析了煤矿业雇主责任保险发展缓慢的原因由于雇 主责任保险与工伤保险有许多相似之处,作者在经营主体!保障程度!适用法 律等方面对二者进行了比较 本文提到的/工伤保险0和/民事赔偿0是工伤损害填补机制中最为重要 的两种补偿方式由于雇主责任保险的保险标的是雇主的民事损害赔偿责任, 因此,矿工在得到工伤保险赔偿金后是否还能追究企业的民事赔偿责任,关系 到强制雇主责任保险实施的必要性鉴于这一点,作者在文章中讨论了工伤保 险和民事赔偿的关系,简单地介绍了目前国际上广泛存在的四种模式,即替代 模式!选择模式!补充模式及兼得模式笔者倾向于选择补充模式,而我国也 有相应的立法及法规支持这一模式在补充模式下,工伤工人在得到工伤保险 赔偿金后,仍然可以就实际损失与工伤保险金之间的差额向企业提出民事损害 赔偿因此,仅仅投保工伤保险不能完全分散企业的风险,也不能全面的保障 煤矿工人的利益,企业还需要投保雇主责任保险此外,本文还通过对目前煤 矿业的安全形势,雇主责任保险对工伤工人的重要性及雇主责任保险可以弥补 工伤保险的不足等三个方面的分析,论证了开展煤矿业强制雇主责任保险的必 要性 笔者认为,随着煤矿工人的自我保护意识及法律意识逐步增强,煤矿主所 面临的民事赔偿风险会越来越大,煤矿业强制雇主责任保险(下文中简称为/煤 强险0)的需求量也会逐步上升在开展煤强险的过程中,我国可以借鉴其他 国家开展强制雇主责任保险的经验,也可以借鉴我国目前正在实施的交强险的摘要 .鱼皿.旦早...旦鱼旦巨鱼旦. 成功经验我国政府也已经为煤强险的实施提供了初步的立法及政策性支持 因此,.实施煤矿业强制雇主责任保险具有可行性最后,笔者在借鉴交强险成 功经验的基础上,就煤强险的运行模式提出了建议 关键词:雇主责任保险,工伤保险,煤强险ABSTRACT ABSTR.ACT Inreeentyears,there15alotofhiddendangerinsee硕tyinChineseeoal miningindus勺,andaeeidentsintheeoalindustryhaPPenfrequently.These aceidentsnotoulybringthecountryandtheenierprises1055,butaisoPutthe workersandtheirfamlliesintoaPredieameni.Iftheinjuredminerseannotget adeql坦teeomPensationineeonomyandmaterial,theywillloseen让lusiasmin Production,50thattheProfitoftheenterprise15deereased.Mostofall,itwillaffeet soeialstability.Therefore,howtocomPensatetheinjuredminers15acrueialissue. The别LthorintrodueedtheeoneePtofemPloyers,liabilityinsu9aneeandtherole ofitbriefly.Thentheauthors切旧刀QarizedthedeveloPmentofliabilityinsuLrance,and analyZedthereasonfortheslowdeveloPmentofemPloyers.liabilityinsU9ancein 比em1ningindustry.Sineetherearelotsofs碗laritiesbe加veene卿100rs.liability instiranceandindustrialinjuryinsu丁ance,theauthoreomParedthe七刀0inmany 韶peCtS. TheindustrialinjuryinsuraneeandtheeivileomPensationareboththemost 加portantmeanstoc哪ensatetheinjuredworkers.Afterg呱ngtheindustrial inj卿InSUranee,dotheworkersstillhavetherightstogettheeivileompensationThlsProblemrelatestotheneeessityofeomPulsoryemPloyers,liabilityinsuranee. Therefore,theauthorhasdiseussedtherelationbe勺刀eenindustrialinjuryinsu浇Lnce andeivileomPensationin面5thesis.Cu汀ently,therearefourwaystodealwiththe relationbe勺刀eenindUStriaiinjuryinsu丁anceandeivileomPensation,曲dtheyare substitutionmodel,altemativemodel,suPPlementatlonmodelanddoublemodel.I PrefersuPPlementationmodel,andtherearelegislationandregulationstosuPPort 而smodelinoureoUntry.hi而smodel,峨ertheygettheindustriaiinj明insuranee, injuredworkerscanstiUgetthebalance.Therefore,industrialinjuryinsu9ancecan notdisPerseaeomPany,5riskeomPletely,即diteannotfullyProteettheinterestsof injuredworkers.50emPloyerswhohaveindustrialinjuryinsuTanceneedliability insULraneetoo.Inaddition,如5thesishasalsoanalyZedthecu汀enisee诫tysituatlon iABSTRACT intheeoaiind邺try,也ein1Po比坦ceoftheliabilityinsuraneetotheemPloyeesand theshortcomingsofthe劝Ldustrialinj切叹inSULranoe.Thoughtheseanalysestheauthor 叮四edthattheeomPulsorye找IPIOyers,liabilityinsuranceintheminingindus甸15 111lleed. Theau1Lhorbelievedthatthemineworkers,self-Proteetionawarenesswould increase,50thatthedemandofemPloyers,liabilityinsuraneewouldbegradually mcreasedtoo.Weeanleamfromothereountries,eXPeriencetoearryoutthe comPulsoryemPloyers.liabilityinsuranee,andweeanalsorefertothemodelofthe ongoingeomPulsoryliabilityinsu9aneeofmotorvehieles.TheChinesegovern们以ent hasalreadyProvidedSuPPortoflegislationandPoliey.Soitisfeasibleto吻lement thecomPulsoryemPloyers,liabilityU以sULranceineoalindustry.Ailast,the洲Lthor Putfon胡ardsomeProPosalsofthe叩eratlonmodelonthebasisoftheexperienceof thecompuls呷liabilitymsuraneeofmotorvehicles二 K盯Word:emPloyers,liabilityinsuranee,访dustriaiinj卿insurance, comPulsorye攻IPloyers,liabilityinsuranceintheminingindustry目录 碑典攀口单叫..鱼鱼鱼.鱼鱼鱼口 目录 1.绪论.............................................................................................1 1.1本文的研究背景......................................,............................................1 1.2本文的研究目的和意义.............................................................................2 2.雇主责任保险概述.......................................................................4 2.1雇主责任保险的概念与作用.....................................................................4 2.2我国雇主责任保险的发展状况.................................................................6 2.2.1我国雇主责任保险的发展现状......................................................6 2.2.2煤矿业雇主责任保险发展缓慢的原因.......................................:二6 2.3我国雇主责任保险与工伤险的比较..........................,........................8 2.3.1雇主责任保险与工伤保险的联系..................................................9 2.3.2雇主责任保险与工伤保险的不同点..............................................9 3.开展煤强险的必要性分析.........................................................13 3.1我国煤矿业安全隐患严重.......,.........................................................13 3.2工伤保险不能完全免除企业的民事赔偿责任.......................................14 3.2.1工伤补偿制度的四种模式............................................................15 #3.2.2我国对工伤补偿制度的选择....................................................16 3.3煤强险倾向于保护处于弱势的煤矿工人的利益...................................17 3.4开展强制雇主责任保险可弥补工伤保险的不足之处...........................18 4.开展煤强险的可行性分析.........................................................25 4.1煤强险在我国有巨大的发展空间...........................,.............,.25 4.2世界各国的成功经验可供借鉴...............................................................26 4.2.1典型国家和地区实施强制雇主责任保险的模式及特点............26 !倪目录 卫里旦鱼旦旦旦旦里旦坦里旦旦旦旦里旦旦旦旦旦里旦鱼里里旦旦旦里旦旦旦旦里旦旦旦旦里旦旦旦里旦旦目巨旦旦,旦里旦里旦旦旦坦里旦巨旦旦旦旦里旦旦旦里旦里旦旦旦旦旦里里里旦旦旦旦里里旦旦里旦口旦旦里里里旦口国里旦旦口..国口 4.22世界各国开展强制雇主责任险的法律依据................................27 4.3我国已初步具备发展煤强险的法律和政策性基础..............................28 5.煤强险的运行模式.....................................................................30 5.1煤强险的经营主体.........................................,...................................30 5.2煤强险的条款和费率....................,....................................................31 5.3开展煤强险的外部环境............................................#..32 结论..............................................................................................35