家政责任保险, 作为一种新兴的保险种类, 应运而生于我国家政服务业的迅猛发展之中, 旨在为家政人员、家政企业以及雇主提供全面的权益保障。随着家政服务行业日益壮大, 服务人员在提供服务时可能遭遇的意外伤害和财产损失风险日益增加, 使得家政责任保险的必要性愈发显著。本文立足于法经济学视角, 对我国家政责任保险的发展进行了系统的初步探究。文章首先梳理了家政责任保险的发展脉络及其独特的发展特点, 以上海市家政行业的发展为案例, 深入剖析了家政责任保险作为一种特殊类型的责任保险, 在风险管理和赔偿责任方面的重要价值。详细分析了我国家政责任保险的市场现状、投保情况以及保险产品种类和承保范围等关键要素, 文章也客观揭示了市场上存在的供需失衡、保险产品单一等突出问题。本文运用法经济学的理论框架, 对家政责任保险发展的经济动因和影响因素进行了深度挖掘和分析, 旨在为我国家政责任保险的持续发展提供有益的参考和指导, 推动我国家政服务业向着更加成熟、完善的方向迈进。

Domestic liability insurance, as an emerging type of insurance, has emerged alongside the rapid growth of China’s domestic service industry. It aims to provide comprehensive protection for the rights and interests for domestic workers, domestic service enterprises and employers. As the domestic service industry continues to expand, the risk of accidental injury and property damage faced by service personnel are increasing, highlighting the growth necessity of domestic liability insurance. From a law and economics perspective, this paper conducts a preliminary and systematic exploration of the development of domestic liability insurance in China. it begins by reviewing its development path and unique features, using Shanghai’ s domestic service industry as a case study to illustrate its vital role in risk management and liability compensation. This paper provides a detailed analysis of key elements such as the current market landscape, insurance participation, product diversity, and coverage scope. While recognizing favorable conditions for the growth of this insurance sector, the study also identifies significant issues, including supply-demand imbalances and the lack of diversified insurance products. Using the theoretical framework of law and economics, the paper delves into the economic motivations and influencing factors behind the development of domestic liability insurance. Drawing on international experience, it proposes practical countermeasures to address these challenges. The goal of this paper is to provide useful reference and guidance for the sustainable development of China􀆳s domestic liability insurance and to support the domestic service industry in evolving towards greater maturity and effectiveness.