First, the insurance function of employer liability insurance
As one of the main types of insurance in the field of construction safety production insurance, employer liability insurance has a unique insurance function. First of all, as far as the subject matter of insurance is concerned, other safety production insurance mainly takes the life or body of workers as the subject matter of insurance, and the main protection object is workers; Employer's liability insurance takes the economic compensation responsibility of employers to employees as the insurance object, and its main protection object is the employer of enterprises. Secondly, from the perspective of insurance claims, on the one hand, other production safety insurance has limitations in the scope of claims, and some other expenses such as wages, nursing expenses and one-time employment fund for the disabled are not covered, and enterprises still need to pay for themselves; On the other hand, the claim process is relatively complicated, and the appraisal and evaluation of work-related injuries and disabilities takes a lot of time and the compensation period is long.
Second, the employer liability insurance claims
After the employer's liability insurance is insured, if an accident occurs within the scope of the insurance contract, the insured shall promptly notify the insurance company of the details and fulfill the obligation of timely notification as the basis for the insurance company to settle claims. Without the consent of the insurance company, the promise, suggestion or payment made by the insured or his representative for the claim is invalid. The insurance company has the right to file a lawsuit in the name of the insured to claim compensation for the loss, and the insured has the obligation to fully assist. In the event of claims under the insurance contract, if the insurance company also provides insurance with the same patient liability, the insurance company will only bear the relevant compensation and expenses in proportion. The time limit for settlement of claims, from the date of the accident, generally does not exceed one year. After the claim period, the claim is invalid.
To sum up, Shanghai Langongbao Insurance Consulting Service Co., Ltd. (hereinafter referred to as "Langongbao") and China Taibao have deeply customized the employer liability insurance integration scheme according to the characteristics of the human resources industry. It is an employer liability insurance plan specially designed for workers and employees of enterprises. Design the operation plan according to the customer's needs, provide insurance assistance, claims consultation, difficult case analysis, legal aid, internal risk control standards and other services, promise that claims are invalid, and assist customers to establish a standardized risk management process.