問 企業為(wei)每一個員工購(gou)買工傷(shang)保(bao)險(xian)是必須應(ying)盡(jin)的義務，那么工傷(shang)保(bao)險(xian)主要特點有(you)哪些呢？

答 首先工(gong)(gong)傷(shang)保(bao)險(xian)(xian)的(de)責(ze)(ze)任(ren)(ren)具有(you)賠(pei)償性，工(gong)(gong)傷(shang)保(bao)險(xian)(xian)不(bu)同于養老保(bao)險(xian)(xian)等險(xian)(xian)種(zhong)，勞(lao)動(dong)(dong)者不(bu)繳納保(bao)險(xian)(xian)費，全(quan)部(bu)費用由用人(ren)單(dan)位(wei)負擔。其(qi)(qi)次工(gong)(gong)傷(shang)保(bao)險(xian)(xian)對象的(de)范(fan)圍是在生產勞(lao)動(dong)(dong)過程中(zhong)的(de)勞(lao)動(dong)(dong)者，工(gong)(gong)傷(shang)保(bao)險(xian)(xian)待(dai)遇相對優厚，標(biao)準較高，但(dan)因(yin)工(gong)(gong)傷(shang)事故的(de)不(bu)同而(er)有(you)所差(cha)別。最后工(gong)(gong)傷(shang)保(bao)險(xian)(xian)實(shi)行(xing)無過錯責(ze)(ze)任(ren)(ren)原則(ze)。無論(lun)工(gong)(gong)傷(shang)事故的(de)責(ze)(ze)任(ren)(ren)歸于用人(ren)單(dan)位(wei)還是職工(gong)(gong)個人(ren)或第三者，用人(ren)單(dan)位(wei)均(jun)應承擔保(bao)險(xian)(xian)責(ze)(ze)任(ren)(ren)，工(gong)(gong)傷(shang)保(bao)險(xian)(xian)作為社(she)會福(fu)利，其(qi)(qi)保(bao)障內容比(bi)商業意外保(bao)險(xian)(xian)要豐(feng)富。