問 企業(ye)為每(mei)一(yi)個員工購買工傷保險是必須應盡的義(yi)務，那(nei)么工傷保險主要特點(dian)有哪(na)些呢(ni)？

答(da) 首先工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)的責(ze)任(ren)具有賠償性，工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)不同于(yu)養老保(bao)(bao)險(xian)(xian)(xian)等險(xian)(xian)(xian)種，勞動(dong)者(zhe)(zhe)不繳(jiao)納保(bao)(bao)險(xian)(xian)(xian)費(fei)，全部費(fei)用(yong)由(you)用(yong)人(ren)(ren)單位負擔(dan)。其次工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)對象的范圍是在生產勞動(dong)過程中的勞動(dong)者(zhe)(zhe)，工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)待遇相對優厚，標準較高，但因(yin)工(gong)傷(shang)(shang)事故的不同而有所差別。最后工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)實行無(wu)過錯(cuo)責(ze)任(ren)原則。無(wu)論工(gong)傷(shang)(shang)事故的責(ze)任(ren)歸(gui)于(yu)用(yong)人(ren)(ren)單位還(huan)是職工(gong)個人(ren)(ren)或(huo)第三者(zhe)(zhe)，用(yong)人(ren)(ren)單位均應承擔(dan)保(bao)(bao)險(xian)(xian)(xian)責(ze)任(ren)，工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)作(zuo)為社會福利，其保(bao)(bao)障內(nei)容比商業意外保(bao)(bao)險(xian)(xian)(xian)要豐富。