問 企業為每一(yi)個員工(gong)購(gou)買工(gong)傷(shang)保(bao)險(xian)是必須應盡的義務，那么工(gong)傷(shang)保(bao)險(xian)主要特點(dian)有(you)哪些呢？

答 首先工(gong)(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)的(de)(de)責(ze)(ze)任具有賠償性，工(gong)(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)不(bu)同于(yu)養老保(bao)(bao)(bao)險(xian)(xian)等(deng)險(xian)(xian)種，勞(lao)動(dong)者(zhe)不(bu)繳納(na)保(bao)(bao)(bao)險(xian)(xian)費(fei)，全部費(fei)用由用人單位負(fu)擔(dan)。其(qi)次工(gong)(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)對象(xiang)的(de)(de)范圍是在生產勞(lao)動(dong)過(guo)程(cheng)中的(de)(de)勞(lao)動(dong)者(zhe)，工(gong)(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)待遇相對優(you)厚，標準較高，但因工(gong)(gong)(gong)(gong)傷(shang)(shang)事故的(de)(de)不(bu)同而有所差別。最后工(gong)(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)實行無(wu)過(guo)錯責(ze)(ze)任原則。無(wu)論工(gong)(gong)(gong)(gong)傷(shang)(shang)事故的(de)(de)責(ze)(ze)任歸于(yu)用人單位還是職工(gong)(gong)(gong)(gong)個人或第三(san)者(zhe)，用人單位均應承擔(dan)保(bao)(bao)(bao)險(xian)(xian)責(ze)(ze)任，工(gong)(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)作為社(she)會(hui)福利，其(qi)保(bao)(bao)(bao)障內容比商業意外(wai)保(bao)(bao)(bao)險(xian)(xian)要(yao)豐富。