责任保险,作为一种财产保险,指保险人承保被保险人的民事损害赔偿责任的险种,主要有公众责任保险、第三者责任险、产品责任保险、雇主责任保险、职业责任保险等险种。责任保险适用于一切可能造成他人财产损失与人身伤亡的各种单 Liability insurance, as a kind of property insurance, means that the insurer insures the insured person’s civil liability for damages, mainly including the public liability insurance, the third party liability insurance, the product liability insurance, the employer liability insurance and the occupational liability insurance. Liability insurance applies to all kinds of orders that may cause loss of property and personal injury to others