At the same time, the key points that need to be paid attention to include that the Vice Minister of the State Emergency Management Department said at the meeting that he would "promote the revision and promulgation of the new Law on Work Safety and the Amendment to the Criminal Law to criminalize serious violations before the accident" and improve the domestic safety production guarantee system through legislative means to effectively prevent and avoid all kinds of safety production risks.
Undoubtedly, legislative construction is the most direct and effective way to solve all kinds of irregular market behaviors in the field of safety production in China. However, legislative amendments often take a long time. In order to cope with the increasingly severe situation of safety in production in China, we should not only place our hopes on the new amendments to the Law on Safety in Production and the Criminal Law, but also make full use of the market-oriented means of prevention and protection of safety in production, which complement each other, jointly improve China's safety production guarantee system and prevent and resolve all kinds of safety production risks.
Safety production liability insurance is a safety production insurance system promoted by the state in recent years. At the same time, it is also a market-oriented system guarantee measure to effectively prevent and deal with all kinds of safety production risks. At present, with the pilot of this policy in various administrative regions of the country, it has gradually played an important role in various fields of production safety.
Under the background of the national special rectification of production safety, it is of great significance to further expand the market application and mechanism of production safety liability insurance in various high-risk production industries in China. Therefore, by combing the experience and characteristics of the pilot mode of safety liability insurance in various parts of China, this paper provides reference for the further improvement and application of safety liability insurance system from four aspects: market business promotion, accident prevention management, insurance liability protection and insurance technology application.
1, market business promotion and accident prevention management
Marketing business promotion
The development of safety liability insurance market is characterized by "policy guidance, government promotion and market operation". Therefore, in promoting its market business, we should not only give full play to the leading role of government policies, but also stimulate the active participation of various market players.
In terms of giving full play to the leading role of government policies, Hunan has established a "joint meeting system of safety production liability insurance", which is attended by the competent departments of housing and construction departments, transportation departments, water conservancy, human resources security, quality inspection, agriculture commission, information commission, finance and other industries, giving full play to the role of government organization and implementation, guiding and promoting the pilot application of safety production liability insurance.
In stimulating the active participation of various market players, Shandong has issued a financial subsidy policy to provide financial incentive funds for enterprises in various high-risk industries to insure safety production liability insurance, which has stimulated the activity of market insurance.
Accident prevention management
In the pilot process of production safety liability insurance in various places, relevant departments generally attach importance to the accident prevention management of insurance companies, and put forward clear requirements for their specific work norms and content measures.
Such as Tianjin.
Requiring insurance companies to provide accident prevention services, including publicity, education and training on production safety; Investigation of hidden dangers of production safety accidents; Security risk identification and assessment; Technical consultation on standardization construction of safety production, safety evaluation, preparation of emergency plan and emergency rescue drill; Technical consultation on the popularization of safety production technology; Other related accident prevention work.
Insurance institutions shall organize safety production training and 1 hidden danger investigation of key enterprises at least twice a year.
Another example is Zhangjiakou, Hebei
Analyze the data of underwriting, claim settlement and accident prevention services of insurance companies on a monthly, quarterly and annual basis, and manage the rewards and punishments of insurance companies by means of notification, interview and evaluation.
In addition, in the pilot documents, all regions clearly stipulate the accident withholding fees of insurance companies, which are specially used to provide technical services for accident prevention in production safety for insured enterprises. The specific cost is usually 65,438+00%-20% of the current premium. For example, the cost of accident prevention in Jilin, Anhui and other places is 10%, that in Hebei and other places is 15%, and that in Chengdu is 20%.
2, the application of insurance technology and insurance liability protection
Application of insurance technology
In addition to paying attention to the insurance protection of safety liability insurance, local insurance companies are also actively exploring the application of insurance technology and platform construction of safety liability insurance.
Safety production risk management platform
Jiaxing Branch of PICC P&C Company developed "Safety Production Risk Management Platform" on 20 19. Through the application of the platform, the integration of online and offline services is mainly realized, that is, online matching corresponding safety production service experts for safety production risk enterprises, and offline entering enterprises to carry out safety production services to help enterprises investigate and solve hidden dangers.
Safety production liability insurance information management platform
Lvliang and Chengdu focus on the development of "information management platform for safety production liability insurance", such as Chengdu Safety Liability Insurance Information Platform, which can provide online insurance, online correction, claims inquiry, business and other information services. In the case of safety liability insurance below 10,000 yuan, you can also complete the claim online to help optimize the insurance service quality of safety liability insurance. Shanxi's "Safety Production Liability Insurance Information Management Platform" mainly plays the role of risk control service of the system platform. Using big data and other insurance technologies, a risk management prediction model is established to evaluate all kinds of safety production risks online and prevent all kinds of safety production risks dynamically and instantly.
Insurance liability guarantee
Compared with traditional insurance, local production safety liability insurance has wider coverage and greater protection, and is based on the principle of no fault. The scope of protection is further extended to accident rescue expenses, evacuation expenses, investigation and inspection expenses and legal fees. And exclude the exemption clauses of "gross negligence liability of the insured enterprise" and "violation of safety regulations" stipulated in general commercial insurance.
In addition, at present, many places extend the coverage of safety liability insurance to casualties caused by COVID-19 infection, which further improves the protection effect of safety liability insurance. For example, Chengdu announced that from February 2020 10 to February 2020 12, Chengdu safety liability insurance will extend the insurance coverage to all participating enterprises of the unified insurance demonstration project for free.
During the insurance period, if the insured employee is diagnosed with COVID-19 for the first time and dies, each employee will pay 65,438+10,000 yuan; In case of disability, compensation of 6.5438+10,000 yuan * disability ratio will be given to each person, with a cumulative compensation limit of 6 million yuan, accounting for about 89% of the total premium in 2065.438+09.
Judging from the three-year special rectification of safety and the revision of relevant laws, the form of domestic safety production is very severe. Safety production liability insurance, as a safety production insurance guarantee system vigorously promoted by the state, should further improve the insurance system, expand market application and play the role of safety production insurance guarantee more effectively on the basis of summing up the pilot experience in various places.