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近年来,我国居高不下的煤矿事故和不断攀升的伤亡人数引起了社会各界的重视。发生煤矿事故后,遇难工人及其亲属的生活陷入困境,保障煤矿工人的利益,让他们获得应有的赔偿,成为亟待解决的问题。目前我国通过强制实施工伤保险来保障遇难矿工的利益,但是工伤保险有着自身的不足之处。在煤矿业开展强制的雇主责任保险后,可以弥补这些不足,使得工伤工人的利益得到更全面的保护,同时也能更好地分散企业所面临的风险。笔者在本文中还就煤矿业开展强制雇主责任保险的运行模式提出了建议。
In recent years, the high coal mine accidents and rising casualties in our country have drawn great attention from all walks of life. After the coal mine accident, the lives of the workers in distress and their relatives are in a dilemma, safeguarding the interests of the coal miners and getting them the due compensation becomes a problem to be solved. At present, China protects the interests of those who have died by enforcing work injury insurance, but the work injury insurance has its own shortcomings. After the compulsory employer liability insurance in the coal mining industry can remedy these deficiencies, the benefits of workers’ injuries can be more fully protected, and the risk to the enterprises can be better dispersed. In this paper, the author also puts forward suggestions on the operation mode of compulsory employer liability insurance in coal mining industry.