What is the difference between industrial injury insurance and commercial insurance?

I don't have to say anything about commercial insurance. Everyone knows the commercial propaganda in these years. Let me talk about work-related injury insurance. \xd\ Principles of industrial injury insurance \ xd \ 1. Principle of no liability compensation. Also known as the principle of no-fault compensation, it means that no matter whether the responsibility for occupational injuries is mainly the employer, the third person or himself, the injured person should get certain economic compensation, and the employer does not bear the direct compensation responsibility, and the compensation is unified by the industrial injury insurance institution, and a ship does not need to be solved through legal procedures. \xd\ The implementation of non-liability compensation can ensure that the majority of workers are disabled at work. Unconditional compensation will not affect the normal economic life of myself and my family because of the responsibility problem. This is of great significance for stabilizing the workforce and maintaining social stability. \ xd \ xd \ 2. The principle of compulsory insurance, pooling funds and * * * taking risks. The meaning of compulsory insurance means that industrial injury insurance is a social insurance organized by the government and must be implemented, rather than a voluntary commercial insurance. It does not depend on the individual's will. No matter whether the employer or employee is willing or unwilling to participate, the government must explicitly restrict it with the seriousness of laws and regulations, and the employer or employee must implement it. Overall fund and * * * risk-taking means that the industrial injury insurance fund is raised from employers by departments designated by the government in a unified way, and the industrial injury risks among employers are no longer fully borne by each employer, but are borne by * * * separately, which reduces the mental pressure of employers. \ xd \ 3. Distinguish between work-related and non-work-related principles. This is obvious, because work-related injury insurance is a kind of protection system that the state and government give to injured employees and their relatives when they are disabled or killed because of work. It is fundamentally different from disability or death caused by non-work or non-work, so the treatment given by the state and government to injured employees and their relatives is also different. \ xd \ 4. The principle that employers bear all the expenses and employees do not pay the fees. This is determined by the nature of industrial injury, and it is also one of the principles that industrial injury insurance is different from social insurance such as pension and medical care. In essence, it is the employer's responsibility to protect the life safety of employees, but due to various reasons, it is impossible to completely avoid accidents, so it is impossible not to have work-related injuries, and employees themselves are unwilling to have accidents, resulting in their own disability or death, which is the main reason why employers bear all the expenses. \xd\　　5。 The principle of compensation for losses. That is to say, industrial injury compensation is an appropriate compensation for the economic losses caused by industrial injuries. People's limbs, organs and life can't be calculated with money like other things, and life and health can't be exchanged with money. However, if employees suffer physical and economic losses due to work-related injuries, they can only be paid work-related injuries according to a certain proportion of their previous wages, or they can be paid wages for several years at a time, so as to compensate the losses suffered by the injured employees. \ xd \ 6. The principle of combining compensation with prevention and rehabilitation. That is to say, in addition to paying for work-related injuries, industrial injury insurance should also pay attention to promoting safe production and preventing casualties, and should do a good job in medical rehabilitation and vocational rehabilitation of injured workers, which means that industrial injury insurance organically combines prevention, compensation and rehabilitation.