责任保险是随着社会经济发展、法律法规体系的完善和公民维权意识的提高而逐步发展起来的。我国责任保险发展起步较晚,但是目前已经逐步发展成具有一定规模和影响力的保险业务。世界各国政府通过立法强制开展的保险中,责任保险种类最多。汽车第三者责任保险、雇主责任保险,公众责任保险、产品责任保险等责任保险都被各个国家的政府作为重要的保护公民权益和消费者利益的手段加以运用。我国政府正在努力试点、推广责任保险制度,促进责任保险的发展。去年实施的《中华人民共和国道路交通安全法》,确立了我国开展机动车辆第三者责任保险强制保险的法律地位,这将有利于发挥我国保险业的社会管理功能。 Liability insurance is gradually developed with the development of society and economy, the improvement of laws and regulations and the improvement of citizens’ rights protection. The development of liability insurance in our country started relatively lately, but has gradually developed into an insurance business with a certain scale and influence. Among the insurance mandated by the world’s governments through legislation, there is the most variety of liability insurance. Third party liability insurance, employer liability insurance, public liability insurance, product liability insurance and other liability insurance are used by governments in all countries as an important means of protecting civil rights and interests of consumers. Our government is trying hard to promote the liability insurance system and promote the development of liability insurance. The Law of the People’s Republic of China on Road Traffic Safety, which was implemented last year, established the legal status of compulsory insurance for third-party liability insurance of motor vehicles in our country, which will be conducive to giving full play to the social management functions of China’s insurance industry.