School liability insurance is a traditional type of liability insurance in China. Although it is insurance that transfers the economic compensation responsibility that the school should bear according to law to the insurance company, its indirect protection object is the students at school. School liability insurance is the insurance subject of civil damages that schools should bear according to law. In June 2002, the Measures for Handling Student Injury Accidents issued by the Ministry of Education introduced the insurance mechanism into the compensation procedure for student injury accidents in the form of departmental regulations for the first time, requiring qualified schools to handle school liability insurance. The "Opinions of the Central Committee of the Communist Party of China and the State Council on Strengthening Youth Sports and Strengthening Youth Physical Fitness" released this time clearly stated for the first time that school liability insurance should be purchased by the government. After the government has insured the school liability insurance for the school, the insurance company will compensate the injured students at the first time in the event of an insurance liability accident on campus or during activities organized by the school (including physical education class, extracurricular activities, spring outing, summer camp and various social practice activities, etc.). Accident insurance includes many different types of insurance to meet the different needs of the insured. Some of these products can be purchased separately, and some can be added to the main insurance after buying the main insurance. Some accident insurance types can not only compensate for the death and disability of the insured, but also compensate for the cost of treating disability. The insured needs to know the coverage of the selected product. If the insured has already enjoyed the basic medical insurance, there is no need to buy accident insurance covering medical expenses. If the insured has already purchased personal accident insurance, there is no need to purchase vehicle accident insurance. Liability insurance refers to the insurance that the insured shall be liable for compensation according to law after causing damage to a third party due to negligence or tort.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.