我国营业中断保险发展严重滞后,不能满足企业在重大自然灾害或意外事故发生后及时恢复生产的保障需求。本文从承保方式、保险责任、保险金额和赔偿期限等方面对国外部分国家营业中断保险制度进行了比较研究,并重点分析了这些制度运行的成功经验,进而基于我国营业中断保险发展的现实情况及企业对于因营业中断导致的利润损失保障的客观需求,提出了促进我国营业中断保险发展的设想。 The development of business interruption insurance in our country lags behind seriously and can not meet the needs of enterprises for timely recovery of production after the occurrence of major natural disasters or accidents. This paper compares the business interruption insurance system of some foreign countries from the aspects such as underwriting method, insurance liability, insurance amount and compensation period, and emphatically analyzes the successful experience of the operation of these systems. Based on the actual situation of the development of business interruption insurance in our country, For the objective demand of the enterprise to protect the loss of profits caused by the interruption of business, the proposition of promoting the development of the business interruption insurance in our country is put forward.