学校责任保险是指在学校组织的校内外教育教学活动中，因为学校及其教职员工的过失导致的学生人身伤亡事故，学校依法应当承担的全部或部分直接经济损失，通过学校投保，由保险公司负责赔偿的一种商业保险。它作为代替学校承担对学生伤害事故的经济赔偿责任的商业化风险分担机制，具有法学和保险学的理论依据。它对于减轻学校赔偿压力、维持学校正常秩序、缓解家长后顾之忧、促进学生健康成长、健全责任保险制度都是十分必要的。学校责任保险由保险责任、除外责任、投保方式、保险金额与费率、被保险人权利与义务、保险期间和理赔等内容构成。近年来，我国学校责任保险发展迅速，但地区间发展不均衡，还对学生意外伤害保险的投保有所影响。结合我国现行的学校责任保险条款进行分析，可以发现我国学校责任保险还存在投保不规范、责任认定不明确、理赔过程复杂、学校隐瞒事故、险种单一等问题。美国学校责任保险的责任规定明确、申请材料细致、事故报告程序完善。而日本，则建立了学校灾害共同救济给付制度，以基金会资金对学生伤害事故进行补充赔偿，调动家长力量与学校合作。这些经验和做法均给我国学校责任保险的发展带来很大启示。我国传统上对保险的负面印象、相关法律法规的不健全、保险制度不健全和保险本身的局限性，都是我国学校责任保险存在问题的深层原因。要完善我国学校责任保险制度，应当修改现有学校责任保险条款、强制省级教育部门统一投保；让学生意外伤害保险和政府基金会成为有益补充；在法律中明确规定学校责任，通过媒体宣传引导公众正确认识保险，发挥家长和社会对学校责任保险的监督作用。

School Liability Insurance refers to a commercial insurance pertaining to the activities organized by schools, in which Students’ Personal Injury occur resultant of the ignorance or fault of schools or their employees. The whole or a portion of the compensation that should be held by schools is to be undertaken by the insurer. As a commercial risk sharing system to hold the compensation liability to Students’ Personal Injury for schools, based on some legal and insuring theories, School Liability Insurance is necessary to release schools’ compensation stress, keep schools’ daily activities in order, reduce parents’ anxiety for students’ safety, create a secure environment for students’ development, and consummate the liability insurance system.School Liability Insurance is constituted by covered risks, exclusions, methods of insuring, insured amount, premiums, rights and obligations of the insured, duration, payments, etc. In recent years, School Liability Insurance has been developing rapidly, but yet still remains unbalanced in different regions of China. Futhermore, it also has some negative effects on Student Accident Insurance. Analyzed with the current stipulations for School Liability Insurance, there are numerous problems such as nonstandard insuring, ambiguous liability, complicated claim-settling, hiding accidents, non-optional coverages, and so on. School Liability Insurance in America has clear liability regulations, detailed application, and integrated reporting. Japan has developed the School Accidents Co-compensation System, to mobilize parental cooperation with schools and to reinforce the compensation for Students’ Personal Injury. We can learn from both of them.There are some further reasons for our problems: our negative traditional impression of insurance, distempered legal system, incomplete insurance system, and the limitation of insurance. The stipulations should be modified, and the local governments should have compulsory insuring in order to consummate our School Liability Insurance system. Student Accident Insurance and Governmental Foundations should become salutary supplies. School liability should be defined clearly in the law, the benefits of insurance should be propagandized correctly through various media, and parents and the public should also be involved in supervising the School Liability Insurance.