We have to introduce and implement the liability insurance of safe production in China\'s high-risk industry as soon as possible,which is a vital way to improve the safeguard mechanism in high-risk industry.

On governments' function in developing liability insurance of safe production in mine coals;

The study of enterprise work safety responsibility matrix;

The connotation of work safety responsibility crisis and the definition of work safety responsibility are analyzed,and the four elements of work safety responsibility system are presented,namely,moral responsibility,politic responsibility,legal responsibility and administrative responsibility.

In this way,we can attain the goal that improve and perfect the construction enterprise' safety production responsibility system and provide the regulation security on construction enterprise safety production.

This paper introduces mainly the intension of safety production responsibility system and evaluation index system, the guiding ideology and the followed principle of evaluation index system and the procedure of evaluation.

As a risk transfer system, product liability insurance has attracted worldwide attention to it and it is undergoing a rapid development.

As an important part of liability insurance ,the research for risk management model of Product liability insurance is an important measure to solve the problems of product liability insurance and to improve the level of risk management of insurance companies.

The event of“three deer milk powder”arouses attention to product liability legal system and product liability insurance.