责任保险是规避责任风险的最有效方法。本文通过对美国标准的责任保险单条款进行分析,指出责任保险单规定的责任触发条件与责任保险单的有效期关系密切;期内索赔制保单比较公平合理,应更多地被采用。 Liability insurance is the most effective way to avoid liability risk. This article analyzes the liability clause of liability insurance policy stipulated by the American Standard, and points out that the liability triggering condition stipulated in the liability insurance policy is closely related to the validity period of the liability insurance policy. The claim insurance policy is more fair and reasonable and should be adopted more during the period.