近年来,随着我国经济蓬勃发展,公路上的汽车流量迅速增加,公路管养形势日趋复杂,不规范的养护标志、未被及时清除的路障、危险的超限超载车辆、天上落石、路上行人,甚至无端上路的家禽,都可能引发交通事故或纷争,而公路管养部门则对此负有无法推卸的责任。各种不可预知的风险随时存在,如何防范风险、保护公路显得尤为重要,用保险转移风险的途径进入了公路人的视野,借助专业保险公司的风险管理机制,控制养护过程中的风险发生机率和风险 In recent years, with the rapid development of economy in our country, the traffic flow on the highway has been rapidly increasing. The situation of highway maintenance has become increasingly complex. Unconventional conservation signs, roadblocks that have not been cleared in time, dangerous overloaded vehicles, rockfalls, pedestrians Even unprovoked poultry may cause traffic accidents or strife. However, the department in charge of highway management has the unshirkable responsibility. All kinds of unpredictable risks exist at any time. How to prevent risks and protect the roads is particularly important. By using the way of transferring risks of insurance, it has entered the field of road vision. With the help of the risk management mechanism of professional insurance companies, risk