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企业参加保险,其目的是将自然灾害和意外事故这部分风险转嫁给保险公司,以求得在万一遭到灾害事故危害时能获得保险公司的经济补偿。虽然社会和政府所要求企业承担的安全责任仍然存在,但由于企业领导人安全意识的强弱和企业安全管理水平的高低不一,因而企业的安全状况存在较大的差异,并直接影响到保险公司的赔付率。 保险公司出于自身经济效益的考虑,除了履行经济补偿的职能以外,还需要通过风险管理的手段来减少保险责任范围内灾害事故的危害,采取开展防灾防损活动和为保户提供防灾技术服务的形式来控制
Enterprises participate in insurance with the aim of transferring the part of the risks of natural disasters and accidents to insurance companies so as to obtain the financial compensation of insurance companies in case of disasters. Although the safety responsibilities assumed by enterprises and governments still exist, the safety status of enterprises is greatly different due to the strength of safety awareness of enterprise leaders and the level of enterprise safety management, which has a direct impact on the insurance The company’s payout rate. For the sake of their own economic benefits, insurance companies should not only perform the functions of economic compensation, but also reduce the harms of disasters and accidents within the scope of insurance coverage by means of risk management. They should also take preventive and anti-disaster activities and disaster prevention measures Technical services in the form of control