目次一、责任保险标的以法定赔偿责任为内涵二、责任保险标的以联通民事责任和责任保险为功能三、责任保险标的以强化受害人保护为扩张方向四、结语责任保险,作为第三方保险,其保险标的为“法定赔偿责任”。随着民事法律体系的逐步完善,“法定赔偿责任”的内涵越来越丰富。保险合同双方当事人基于各自的合同立场对“赔偿责任”持有的不同理解,成为责任保险合同纠纷的一类争议焦点。不仅如此,一些责任划分清楚的赔偿责任并未被列入相应险种的承保范围之内,有些遭遇合同除外条款的明 Second, the subject of liability insurance subject to the civil liability of China Unicom and liability insurance as a function Third, the subject of liability insurance to strengthen the victim protection for the expansion direction Fourth, the conclusion Liability insurance, as a third-party insurance, The insured subject matter is “statutory liability.” With the gradual improvement of the civil legal system, the connotation of “statutory liability” is getting richer and richer. The different understandings of “liability” held by the parties to the insurance contract based on their respective contract positions have become the focus of a dispute over liability insurance contract disputes. Not only that, some liability clearly divided liability has not been included in the coverage of the corresponding insurance coverage, some of the exceptions to the contract suffered