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私营企业、个体工商户由于经营规模小、资本少，极易受到市场经济大潮和意外事故的冲击。按说，他们应该像其他企业一样，积极寻求保险的保护。但遗憾的是，我国商业保险恢复18年来，私营企业、个体工商户参保率一直低得可怜。以山东省济南市为例，其他成分的企业投保率（含投
Private enterprises and individual industrial and commercial households are easily hit by the tide of market economy and accidents because of their small scale of operation and small capital. According to saying, they should actively seek the protection of insurance like other enterprises. However, it is regrettable that for the past 18 years since the restoration of commercial insurance in our country, the insured rates of private-owned enterprises and individual industrial and commercial households have been miserable. Jinan City, Shandong Province as an example, the insurance coverage of other components of enterprises (including investment