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火灾损失的赔偿,特别是一些重特大火灾的损失赔偿如果不能妥善解决往往成为引发群体性事件的导火索,甚至影响社会稳定。实行火灾公众责任保险制度,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问题,对于切实保护公民合法权益,促进社会和谐稳定具有重要意义。本文阐述了火灾公众责任险的内涵和推行的意义,深入分析了开展火灾公众责任险存在的问题,最后提出了自己的解决思路。
The compensation for fire losses, especially the damages for some major fires, which if not properly solved, often become the trigger of mass incidents and even affect social stability. The implementation of public liability fire insurance system through market-based risk transfer mechanism, the use of commercial means to resolve liability and other issues, for the effective protection of citizens legitimate rights and interests, promote social harmony and stability is of great significance. This article elaborates the connotation and significance of public liability insurance for fire disaster, analyzes in depth the problems existing in public liability insurance for fire and finally puts forward its own solutions.