近年来,随着我国工业化、城镇化进程不断加快,人员密集场所尤其是公众聚集场所较大以上火灾时有发生,给人民群众的生命财产安全造成了严重损失。如果不能妥善处理极易引发社会矛盾。积极发展具有公益性质的火灾公众责任险,通过市场化的风险转移机制,既可以有效保障公民的切身利益,同时也可以有效减轻政府负担,促进社会稳定。因此,应建议国家从行政或立法层面入手,使火灾公众责任保险尽快成为法定强制保险。 In recent years, with the acceleration of industrialization and urbanization in our country, fires occur frequently in areas with densely populated places, especially those with large public gatherings, which have caused serious losses to people’s lives and property. If not properly dealt with easily lead to social conflicts. Actively develop public liability fire public welfare insurance with public nature, through market-oriented risk transfer mechanism can not only effectively protect the immediate interests of citizens, but also can effectively reduce the government burden and promote social stability. Therefore, it is suggested that the state should start from the administrative or legislative level to make the fire public liability insurance a statutory compulsory insurance as soon as possible.