保险作为经济社会中不可缺少的环节，在防灾补损、保障社会生产、安定人民生活、集聚国家建设资金等方面都起着十分重要的作用。在商品社会中，现代企业生产和销售的规模扩大，出现自然灾害和意外损失的可能性增大，而单个企业的经济力量又较为单薄，如果不依靠保险来提供保障，一旦发生灾害事故，生产经营一般很难维持下去。
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