問(wen) 企業(ye)為每(mei)一個員工購買工傷(shang)保險(xian)是必須應(ying)盡的義(yi)務，那么工傷(shang)保險(xian)主要特點有哪些呢？

答 首先工(gong)(gong)傷保(bao)(bao)險(xian)(xian)的(de)(de)責任(ren)具有(you)賠償性，工(gong)(gong)傷保(bao)(bao)險(xian)(xian)不同于養老保(bao)(bao)險(xian)(xian)等險(xian)(xian)種，勞動(dong)者不繳納保(bao)(bao)險(xian)(xian)費(fei)，全部費(fei)用(yong)由(you)用(yong)人單位負擔。其(qi)次(ci)工(gong)(gong)傷保(bao)(bao)險(xian)(xian)對象的(de)(de)范圍是在(zai)生(sheng)產勞動(dong)過程中(zhong)的(de)(de)勞動(dong)者，工(gong)(gong)傷保(bao)(bao)險(xian)(xian)待遇(yu)相(xiang)對優(you)厚，標準較(jiao)高，但因工(gong)(gong)傷事故的(de)(de)不同而(er)有(you)所差別(bie)。最(zui)后(hou)工(gong)(gong)傷保(bao)(bao)險(xian)(xian)實行無過錯責任(ren)原則。無論(lun)工(gong)(gong)傷事故的(de)(de)責任(ren)歸于用(yong)人單位還是職工(gong)(gong)個人或第三者，用(yong)人單位均應承擔保(bao)(bao)險(xian)(xian)責任(ren)，工(gong)(gong)傷保(bao)(bao)險(xian)(xian)作為社會福利，其(qi)保(bao)(bao)障內容比商業意外保(bao)(bao)險(xian)(xian)要豐富。