责任保险不存在《保险法》意义上的“施救费用”保障。责任保险可以通过承保其他费用满足相关市场需求。责任保险作为以保险客户的法律赔偿风险为承保对象的一类保险,尽管属于广义财产保险范畴,适用于广义财产保险的一般经营理论,但又具有自己的独特内容和经营特点,可以独成体系,在承保、理赔等实务操作中表现出与财产保险明显的不同。本文从《保险法》相关规定以及责任保险的性质特点等方面探讨所谓责任 Liability insurance does not exist “insurance law” in the sense of “rescue costs ” protection. Liability insurance can cover the relevant market needs by underwriting other expenses. Liability insurance, as a kind of insurance under the risk of legal indemnity of insurance clients, belongs to the category of general property insurance and applies to the general management theory of generalized property insurance. However, it has its own unique content and operating characteristics, , In underwriting, claims and other substantive operations showed obvious differences with the property insurance. This article from the “Insurance Law” and the relevant provisions of the nature of the characteristics of liability insurance discussed the so-called responsibility