At present, there are a lot of accidents happened during the running of primary and secondary school, which is very wor-rying. Once the bad accidents happen to students, it will make a bad influence on schools, students, parents and the related de-partments in charge of education. It is not long before the estab-lishment of the school's liability insurance system in our country, so here appeared many problems and drawbacks. Therefore, it is needed to strengthen education of insurance, raise awareness on insurance, improve relevant insurance laws and regulations, in-novate products structure, m...