责任保险是保险业发展到高级阶段的必然产物 ,它的出现与国家法律制度、国民的法制意识息息相关。责任保险的开展为顺利地解决各类民事赔偿责任事故提供了一个有力的保障和支持渠道。从目前国情看 ,国内责任保险市场才刚开始起步 ,不久的将来将成为我国保险业的重要支柱。在此背景下 ,本文首先介绍了责任保险的发展阶段及分类 ,然后对责任事故的认定原则、市场需求心理及目前责任险中责任认定的操作模式等进行了初步的探讨 ,最后对未来我国责任保险的市场开发策略提出了几点建议 Liability insurance is the inevitable product of the development of the insurance industry to an advanced stage. Its emergence is closely related to the state legal system and the awareness of the legal system of the people. The development of liability insurance provides a powerful guarantee and support channel for successfully solving various types of civil liability incidents. Judging from the current national conditions, the domestic liability insurance market has just begun to start and will soon become an important pillar of China’s insurance industry. In this context, this article first introduces the development stages and classification of liability insurance, and then the principles of liability identification, market demand psychology and current liability insurance in the operation mode of liability identified the initial discussion of the future responsibility of our country Insurance market development strategy made a few suggestions