关键词: 机动车辆保险；保险改革；风险分析；高速公路企业；投保方案

Abstract: The new policy of motor vehicle insurance reform has been implemented since september 19, 2020. The reform has made considerable efforts. In motor vehicle insurance, the compensation limit or protection scope of several main types of insurance have changed, such as compulsory traffic accident liability insurance, own damage and third party liability insurance. Under the background of the new policy of vehicle insurance reform, this paper analyzes the risk factors of vehicle operation of expressway enterprises, puts forward the requirements of enterprise vehicle safety management, and redesigns the motor vehicle insurance scheme in combination with the content of the new policy, so as to further reduce the probability of accidents, improve the work performance of enterprises, and protect the economic interests of vehicles and personnel to the greatest extent.

Key words: Motor vehicle insurance; Insurance reform; Risk analysis; Expressway enterprises; Insurance scheme