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问题	商业保险赔偿金并不能影响工伤保险赔偿数额
释义	在企业用工实践中，很多用人单位出于节省费用等各因素的考虑，没有为员工依法缴纳工伤保险，而是以购买商业性人身意外伤害保险来替代工伤保险，试图以此分解货转移其工伤赔偿责任。那么，用人单位在为员工投保了商业性人身意外保险后，能否以此为主张免除工伤保险责任而不承担工伤保险待遇呢?以下《最高人民法院公报》案例，对这一问题作出了明确解答。案情简介该内容由张胜云律师和律说律答共创回答
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