我国的环境侵权责任保险由于立法和制度的不完善,在实践中一直难以推行。本文旨在论证以建立强制与自愿相结合的投保方式解决供求问题、以索赔基础制解决长尾问题和以企业自律解决道德风险问题。 Due to the imperfect legislation and system, China’s liability insurance of environmental tort has been hard to implement in practice. The purpose of this paper is to demonstrate the establishment of a mandatory and voluntary combination of insurance to solve the supply and demand problems in order to claim the basic system to solve the long tail problem and to solve the problem of moral hazard by the self-regulation of enterprises.