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我国大众性体育赛事公众责任保险的制度优化

         

摘要

伴随着我国大众性体育赛事的蓬勃发展,"猝死"等多种安全事故频发.此类赛事风险无论是在程度上抑或是在范围上都已经具有了明显的高危性,并导致其损害救济具有了强烈的分配正义之需求.因此,应当以不考虑主观过错的危险责任来重塑大众性体育赛事组织者的侵权责任.这一背景决定了有必要借助公众责任保险的公众性以及宽泛性等独特优势来化解赛事组织者趋于严格化的责任风险.为此,应当对大众性体育公众责任保险进行制度优化,确立此类保险的强制性,拓宽保险责任的类型,完善保险赔付制度,以促进公众责任保险与危险责任在制度功能上的协同配合,有效化解大众性体育赛事的责任风险.%With the rapid development of mass sports events in China, the accidents, such as "sudden death", occur frequently. The risk of such games has been obviously high in both the degree and the scope, as a result of which the damage relief has a strong demand for distributive justice. Therefore, it is necessary to reshape the tort liability of the organizers of mass sports events with dangerous liability which does not consider the subjective fault. Due to this background, it is necessary to make use of the unique advantages of public liability insurance, such as publicity and broadness, to solve the strict liability risk of the game organizers. In order to promote the coordination of public liability insurance and dangerous liability in the institutional function and effectively resolve the high risk of mass sports events, it is imperative that institutional optimization should be carried out which includes establishing the mandatory nature of such insurance, broadening the types of insurance liability, improving insurance payment system and so on. These measures will promote the coordination of public liability insurance and risk responsibility in the institutional function, and effectively resolve the risk of the dangerous responsibility of the mass sports events.

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