問(wen) 企業為每(mei)一個員工購(gou)買工傷保險是必須應盡的義務，那么工傷保險主要特點有哪些呢？

答 首先工(gong)傷(shang)保(bao)險(xian)(xian)(xian)的(de)(de)責任具有(you)賠償性，工(gong)傷(shang)保(bao)險(xian)(xian)(xian)不同于養(yang)老保(bao)險(xian)(xian)(xian)等險(xian)(xian)(xian)種，勞動者不繳納保(bao)險(xian)(xian)(xian)費(fei)，全部費(fei)用由(you)用人(ren)單位(wei)負擔(dan)。其次工(gong)傷(shang)保(bao)險(xian)(xian)(xian)對(dui)(dui)象的(de)(de)范(fan)圍(wei)是(shi)在生產勞動過程(cheng)中的(de)(de)勞動者，工(gong)傷(shang)保(bao)險(xian)(xian)(xian)待(dai)遇(yu)相對(dui)(dui)優厚，標準較高，但因(yin)工(gong)傷(shang)事(shi)故的(de)(de)不同而有(you)所(suo)差別。最后工(gong)傷(shang)保(bao)險(xian)(xian)(xian)實(shi)行無過錯責任原則。無論工(gong)傷(shang)事(shi)故的(de)(de)責任歸于用人(ren)單位(wei)還是(shi)職工(gong)個人(ren)或第三者，用人(ren)單位(wei)均應承擔(dan)保(bao)險(xian)(xian)(xian)責任，工(gong)傷(shang)保(bao)險(xian)(xian)(xian)作(zuo)為社會福(fu)利，其保(bao)障內容比(bi)商業意(yi)外保(bao)險(xian)(xian)(xian)要豐富(fu)。