食品安全责任保险二元结构论

关于食品安全责任保险，应当结合食品科学的研究以及食品安全事故发生的概率、危险程度等因素，将转基因食品、儿童食品等纳入强制责任保险，不能笼统地将所有食品安全责任纳入强制责任保险。对食品安全责任保险实行强制保险和自愿保险二元结构。就食品安全责任强制保险而言，强制投保的对象应仅限于生产者，在认定保险人的除外责任时，应正确认定被保险人的“故意”。在食品安全责任自愿保险领域，针对投保率低的现状，应当在税收、食品营销等方面采取相应措施，来推动食品安全责任保险的发展。保险人的保险金给付义务仅限于损害补偿部分，惩罚性赔偿金的目的在于惩罚生产者、销售者，因此不能通过责任保险来分散风险。

Dual Structure Theory of Food Safety Liability Insurance

The compulsory liability insurance does not apply to all food safety liability.We may take genetically modified foods,children’s foods and other similar foods into the coverage of compulsory liability insurance according to food scientific research,probability of food safety incident,degree of risk and other factors.Food safety liability insurance is made up of compulsory insurance and voluntary insurance.On the terms of food safety compulsory insurance,producer is the only subject to insure.When we identified the exception responsibility,the insured’s "intention" should be properly defined.Based on the fact that insurance rate is low in the field of voluntary insurance,tax,food marketing and other measures should be taken to promote the development of food safety liability insurance.The basic function of liability insurance is to remedy the damage,punitive damages is to punish producer and seller,so the insurer should be not liable for punitive damages.