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火灾公众责任保险是公众责任保险的一种。发展火灾公众责任保险,通过市场化的风险转移机制,用商业手段解决责任赔偿等方面的法律纠纷,可以使受害单位和群众尽快恢复正常生产生活秩序,切实保护公民合法权益。本文结合笔者实际工作,总结当前推广火灾公众责任保险的经验和面临困境,探讨强制性推行火灾公众责任保险的必要性和可行性。
Public liability fire insurance is a kind of public liability insurance. The development of fire public liability insurance through market-based risk transfer mechanism and the settlement of liability disputes by commercial means and other legal disputes will enable the victims units and the masses to resume normal production and life order as soon as possible and effectively protect the legitimate rights and interests of citizens. Based on the author’s actual work, this article summarizes the current experience of popularizing public liability insurance of fire and facing difficulties, and discusses the necessity and feasibility of enforcing the public liability insurance of fire.