Insurance rates for restaurant employees, what insurance should the restaurant buy for employees

If you are afraid of fire, storms and other risks that will endanger your property.

Corporate property insurance can be purchased.

But if there are not millions of assets.

Insurance companies generally do not charge it.

For preventing the risk of accidental injury to restaurant staff.

Group accident insurance or employer's liability insurance can be purchased.

If you are worried about a customer falling in the store and receiving a claim, you can purchase public liability insurance.

The advantages of purchasing employer's liability insurance 1, low premium and high coverage rate on the basis of fully reducing the insurance cost of the employer, the maximum compensation limit can reach 800,000 yuan 2, the work-related injury insurance supplement effectively makes up for the lack of work-related injury insurance, and can also cover the probation period, re-employment and other interns who cannot participate in work-related injury insurance. 3. Protection of employers' rightsFrom the perspective of employers' rights, employer's liability insurance can transfer the company's liability risk to employees and fully meet the company's needs. Personal accident insurance products do not have this feature and have inherent functional defects.

In the event of a work-related accident, the personal accident insurance product will not replace the employer's legal liability. 4. Comprehensive protection employer's liability insurance can make up for the shortcomings of the overall work-related injury insurance. Employer's liability insurance can cover the following expenses that are not covered by workers' compensation coordination insurance:

Subsidies for hospital meals, transportation to seek medical treatment outside the co-ordinating area, room and board, and care for yourself during the injury**. Zhonglian Employer's Liability Insurance - Employer's Peace of Mind: The coverage age range of 16-70 years old is much higher than the upper age limit of 60 years old in general companies1, Enhanced Version:

Death 800,000 + Medical 200,000 3, Deluxe Edition: Death 400,000 + Medical 50,000 4, Enhanced Edition: Death 200,000 + Medical 40,000 5, Basic Edition:

With 100,000 deaths + more than 20,000 medical treatments, there is always one that can meet your needs. According to the different situations of different users, we have specified a variety of security systems to ensure that each user can enjoy the best **. Specific**Welcome to inquire.

Need. The catering industry needs to buy insurance for employees, because according to the relevant provisions of China's labor law, whether it is the catering industry or any other industry, the employer should pay social insurance to employees, which is a legal obligation. If the enterprise or unit refuses to implement this provision, the employee may apply for labor arbitration.

According to the relevant laws and regulations, as long as the employer signs a contract, it must purchase five insurances for employees.

"Five insurances" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises. Individuals do not need to pay. If no contract is signed, it has no legal effect.

The catering industry is no exception.

If the employer fails to register for social insurance, the social insurance administrative department shall order it to make corrections within a specified period of time; If the employer fails to make corrections within the time limit, the employer shall be fined not less than one time but not more than three times the amount of social insurance premiums payable, and the person in charge who is directly responsible and other persons directly responsible shall be fined not less than 500 yuan but not more than 3,000 yuan.

Therefore, no matter what industry it is, it is necessary to purchase insurance for employees in accordance with relevant regulations.

Legal basis

Labor Law of the People's Republic of China

Article 72.

Social insurance** determines the funds according to the type of insurance**, and gradually implements social pooling. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

Summary. The amount of insurance premium is directly proportional to the size of the insurance amount, the level of the insurance rate and the length of the insurance period, that is, the larger the insurance amount, the higher the insurance rate, and the longer the insurance period, the more the insurance premium.

Hello, the teacher will help you find out that the insurance fee of the restaurant is 4500-6000 yuan.

The insurance premium refers to the fee paid to the insurer by the insured person when he or she participates in the insurance according to the insurance rate set at the time of insurance. The insurance fee is composed of the sum insured, the insurance rate and the duration of the insurance.

The amount of insurance premium is directly proportional to the size of the insurance amount, the level of the insurance premium difference and the length of the insurance period, that is, the larger the insurance amount, the higher the insurance rate, and the longer the insurance period, the more the insurance premium. Vanity.

It is the obligation of the policyholder to pay the insurance premium. If the insured does not pay the insurance premium on time, the insurance contract will be invalid; In compulsory insurance, a certain amount of late fees are attached. The insurer is required to pay insurance benefits when all or part of the insured property is damaged by disasters and accidents, or when personal accidents occur in life insurance.