中小学校和中小学教师往往要承担很重的看护责任。学生在校(甚至包括上学和放学期间)发生意外事件,人身受到伤害,学校和教师是首先被指责的对象,甚至还会面对高额的赔偿要求。2008年秋季,湖北省教育厅在全省推行校方责任保险。实施两年多来,该保险投保率超过95%。2010年9月15日,中国关心下一代工作委员会宣布,将为全国中小学生引入交通安全保险的公益性保障机制,计划在10年内覆盖全国中小学生。在学生安全日益成为公众关注焦点的今天,越来越多的险种被引入校园,可不少学校都还是宁愿采用“圈养”的方式管理孩子。中小学生自我防范能力差、缺乏安全意识是这一现象出现的重要原因。我们该如何看待校园保险?校园保险能在多大程度上为学校规避风险?如何发挥校园保险应有的作用来保障校园安全?这是每一所学校要面对的,也是每一位教师身边的大事。 Primary and secondary school teachers and primary and secondary school teachers often have to bear a heavy responsibility for care. Students are injured at school (even during school and even after school), schools and teachers are the first to be accused, and even face high compensation claims. Fall 2008, Hubei Provincial Department of Education in the province to implement school liability insurance. After more than two years of implementation, the insurance coverage rate exceeded 95%. On September 15, 2010, China is concerned about the next generation work committee announced that it will introduce a public welfare guarantee mechanism for traffic safety insurance for primary and secondary students throughout the country. It plans to cover primary and secondary school students across the country within 10 years. Today, as student safety is increasingly becoming a public concern, more and more kinds of insurance are being introduced to schools. However, many schools still prefer to use “captives” to manage their children. Primary and secondary students poor self-defense, lack of safety awareness is an important reason for this phenomenon. How do we think about campus insurance? To what extent can campus insurance evade risks for schools? How to play the due role of campus insurance to protect campus safety? This is what every school should face and every teacher event.