Innovation Program and Conception of Science and Technology Insurance Kind

Along with the development of science and technology insurance,demands for new science and technology insurance kinds are becoming sharper and sharper.To meet the new demands of science and technology insurance,on the basis of current insurance kind innovative approach,this paper designs a specific program of science and technology insurance innovation.Under the direction of innovation program,according to the current situation of high professional risks for technology researchers,the paper proposes the conception of professional liability insurance for technology researchers.Based on the current premium ratemaking method,it builds a new insurance kind rate model.Finally,the paper takes PICC Property and Casualty and D company as research objects,collects data,and makes an empirical analysis on premium ratemaking model of professional liability insurance for technology researchers by using priori theories distribution.