CAJ | 학술논문

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。
관우식품안전책임보험，응당결합식품과학적연구이급식품안전사고발생적개솔、위험정도등인소，장전기인식품、인동식품등납입강제책임보험，불능롱통지장소유식품안전책임납입강제책임보험。대식품안전책임보험실행강제보험화자원보험이원결구。취식품안전책임강제보험이언，강제투보적대상응부한우생산자，재인정보험인적제외책임시，응정학인정피보험인적“고의”。재식품안전책임자원보험영역，침대투보솔저적현상，응당재세수、식품영소등방면채취상응조시，래추동식품안전책임보험적발전。보험인적보험금급부의무부한우손해보상부분，징벌성배상금적목적재우징벌생산자、소수자，인차불능통과책임보험래분산풍험。
The compulsory liability insurance does not apply to all toocl satety llalamty, we may take geneucaixy 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.