What is the role of safety liability insurance safety production liability insurance ?

It means that once a safety accident occurs in the insured unit, the insurance company will compensate in accordance with the terms stipulated in the contract, whether it is compensation for the parties or compensation for a third party, which is unconditional. It mainly solves several aspects. Clause.

First, once the accident occurs, the insurance company will pay compensation for the injured and the deceased as soon as possible, and at the same time, the insurance company will organize relevant forces to rescue the accident scene. Of course, other cases that include later compensation, including:

Medical conditions are all taken care of by the insurance company. Once the insurance company and the insured unit determine the relationship, it will invest in the daily safety production of the insured enterprise, and pay attention to it, including evaluation, in a certain sense, to assist the first.

The safety production of enterprises shall be effectively supervised.

Safety liability insurance is liability insurance, and liability insurance is a kind of property insurance. Safety liability insurance refers to production safety liability insurance, which refers to the insurance institution to compensate for the personnel and related economic losses caused by the production safety accidents that occur in the insured production and business operation units, and to provide accident prevention services for the insured production and business operation units. Safety liability insurance is mainly launched for high-risk industries, and the coverage mainly includes personal injury compensation, medical expense compensation, third-party liability compensation, etc.

Extended information Car insurance is actually the abbreviation of car insurance, now many people after buying a car, often will be for their own car insurance a certain amount of car insurance, so that if there is an accident in the car, to the motor vehicle or the driver, the passenger caused personal damage, then you can also get some compensation, which is also a measure to transfer the risk of the parties. Specifically, what are the more common car insurance in China now? Here's a detailed answer for you.

The types of car insurance are: Compulsory Third Party Liability Insurance (Compulsory Insurance) Needless to say, it is a must-buy. Vehicle Damage Insurance The insurance company is responsible for the loss of the vehicle itself due to natural disasters or accidents (not necessarily all of them).

It is recommended to buy a new car and a novice, and friends with a few years of driving experience can choose not to have a car damage insurance without a deductible or an absolute deductible (the part that must be deducted for each accident), which can save some premiums, and old drivers can not buy this insurance.

1.Safety liability insurance is liability insurance, and liability insurance is a type of property insurance. Safety liability insurance refers to production safety liability.

Insurance refers to the production safety accidents that occur in the insured production and business operation units by insurance institutions.

Compensation for the personnel and related economic losses caused, and provide accident prevention services for the insured production and business operation units.

2.Safety liability insurance is mainly carried out for high-risk industries, and the coverage mainly includes personal injury compensation, medical expense compensation, third-party liability compensation, etc.

Extended Materials. 1.Work safety liability insurance.

Hereinafter referred to as the safety liability insurance car).

It refers to the insurance institution to compensate the insured production and business operation unit for the occurrence of work safety accidents.

Commercial insurance for the loss of personnel** and related economic losses.

Provide accident prevention services for insured production and business units. Work safety liability insurance refers to the insurance that the production and business operation unit bears the liability for compensation for the death, injury, and disability of the person after the occurrence of a production safety accident, which plays an important role in maintaining social stability and harmony. Due to the wide distribution of high-risk industries and the frequent occurrence of regional accidents, the development of safety production liability insurance, the use of liability insurance and other economic means to strengthen and improve safety production management, is to strengthen the risk control of safety accidents.

One of the important measures is to strengthen the awareness of safety production, prevent accidents, and promote the stable improvement of the regional safety production situation; It is conducive to the prevention and resolution of social contradictions, and reduces the burden of relief at all levels after the accident. It is conducive to safeguarding the people.

to promote the healthy operation of the economy and maintain social stability.

2.Primary Risk Liability.

During the insurance period, if the insured's staff is injured, injured or dies in the territory of the People's Republic of China due to any of the following circumstances, the insurer shall bear the economic compensation liability in accordance with the laws of the People's Republic of China (hereinafter referred to as "according to law") and compensate the insured in accordance with the provisions of this contract

1) During working hours, a production safety accident occurs in the workplace due to work reasons;

2) Injuries caused by production safety accidents in the workplace before or after working hours while engaged in preparatory work or finishing work related to the performance of work duties;

3) Injuries caused by violence or other accidents during working hours or in the workplace as a result of the performance of work duties;

4) Injured or missing in an accident while working outside the home;

5) Injured in a traffic or accident while commuting to or from work;

6) Sudden illness or death during working hours or at work, or failure to respond to rescue work within 48 hours;

7) Laws and administrative regulations.

Other circumstances that shall be identified as production safety accidents are stipulated.

The role of "safety and liability insurance" is not only to provide risk compensation, but also to provide preventive services.

Work safety liability insurance.

It is a typical "insurance + service" model, and its biggest feature is that it is a spine, and the insurance institution not only provides compensation for economic losses, but also provides production safety accidents.

Preventive services. "Security and liability insurance" as commercial insurance.

by production and business operation units.

As an insured person, the premium shall be paid by the production and business operation unit, and shall not be apportioned to the individual employee in any way. In the event of a production safety accident, the insurance company shall compensate the accident unit personnel and the third party's personal and property losses, as well as accident rescue, medical aid, accident identification, legal proceedings and other expenses.

Expand the material of dust and leachable.

Work safety liability insurance (referred to as safety liability insurance) refers to the commercial insurance that insurance institutions compensate for the personnel and related economic losses caused by production safety accidents that occur in the insured production and business operation units, and provide accident prevention services for the insured production and business operation units. Work safety liability insurance is an insurance for production and business operation units to perform compensation liability for the dead and disabled after the occurrence of production safety accidents, which plays an important role in maintaining social stability and harmony. For high-risk industries are widely distributed and accidents occur from time to time, the development of safety production liability insurance, and the use of liability insurance and other economic means to strengthen and improve safety production management are important measures to strengthen the risk management and control of safety accidents, which is conducive to enhancing the awareness of safety production, preventing accidents, and promoting the stable improvement of the regional safety production situation; It is conducive to the prevention and resolution of social contradictions, and reduces the burden of rescue at all levels after the accident; It is conducive to safeguarding the people.

fundamental interests, promote the healthy operation of the economy, and maintain social stability.

During the insurance period, if the insured's staff is disabled or dies in the People's Republic of China due to the following circumstances, it shall be in accordance with the laws of the People's Republic of China (hereinafter referred to as ""the "People's Republic of China")."According to law"The insurer shall be responsible for the compensation in accordance with the provisions of this contract

1) Work safety accidents in the workplace during working hours due to pure reasons at work.

Harm; 2) Being injured by a work safety accident while engaging in preparatory or finishing work related to the performance of their job duties in the workplace before or after working hours;

3) Accidental injuries such as violence during working hours and in the workplace due to the performance of work duties;

4) During the period of going out for work, the whereabouts of the injury or accident due to work are unknown;

5) Being injured in a traffic or accident while commuting to or from work;

6) During working hours and at work, sudden illness or death within 48 hours.

Death due to ineffective rescue;

7) In accordance with laws and administrative regulations.

Other circumstances that shall be identified as production safety accidents are stipulated.

Legal analysis: production safety liability insurance (hereinafter referred to as safety liability insurance) refers to the commercial insurance that the insurance institution compensates the personnel and related economic losses caused by the production safety accidents of the insured production and business operation units, and provides accident prevention services for the insured production and business operation units.

Legal basis: Work Safety Law of the People's Republic of China

Article 1: This Law is formulated so as to strengthen work safety, prevent and reduce production safety accidents, ensure the safety of the people's lives and property, and promote sustained and healthy economic and social development.

Article 2 This Law shall apply to the production safety of units engaged in production and business activities within the territory of the People's Republic of China (hereinafter collectively referred to as production and business operation entities); Where relevant laws and administrative regulations have other provisions on fire safety, road traffic safety, railway traffic safety, water traffic safety, civil aviation safety, nuclear and radiation safety, and special equipment safety, those provisions shall apply.

Article 3 Work safety should be people-oriented, adhere to safe development, and adhere to safety first.

First, the policy of prevention first, comprehensive management, strengthen and implement the main responsibility of production and business operation units, and establish a mechanism for production and business operation units to be responsible, employee participation, supervision, industry self-discipline and social supervision.

Legal analysis: production safety liability insurance is an insurance for production and business operation units to perform compensation liability for the dead and disabled after the occurrence of production safety accidents, which plays an important role in maintaining social stability and harmony. For high-risk industries are widely distributed and accidents occur from time to time, the development of safety production liability insurance, and the use of liability insurance and other economic means to strengthen and improve safety production management are important measures to strengthen the risk management and control of safety accidents, which is conducive to enhancing the awareness of safety production, preventing accidents, and promoting the stable improvement of the regional safety production situation; It is conducive to the prevention and resolution of social contradictions, and reduces the burden of rescue at all levels after the accident; It is conducive to safeguarding the fundamental interests of the people, promoting the healthy operation of the economy, and maintaining social stability.

Legal basis: "Work Safety Law of the People's Republic of China" Article 48 Production and business operation entities must participate in work-related injury insurance in accordance with the law and pay insurance premiums for employees. The State encourages production and business operation units to purchase production safety liability insurance.

Work safety liability insurance, referred to as "safety liability insurance", refers to the liability insurance that should bear the economic compensation liability for personal injury and death of employees and third parties and property losses caused by negligence in the production and operation process of the insured enterprise.

The insurance rate of safety and liability insurance is low, the coverage is wide, and the insurance liability is large. Compared with general commercial insurance, it has the following advantages:

1) Insurance liability, including the "gross negligence liability of the insured enterprise" that is not covered by general commercial insurance, is included in the scope of insurance liability;

2) The protection objects include enterprise employees and the public;

3) If the enterprise fails to perform the compensation to the injured party or the third-party beneficiary of the accident within the specified time, the insurance company may directly pay the accident personnel in advance;

4) The compensation for the accident personnel shall follow the principle of "no fault liability", and the compensation shall be paid in full according to the insurance contract;

Safety liability insurance.

It is liability insurance, and liability insurance is a kind of property insurance. Safety liability insurance refers to safety production liability insurance.

It refers to the production safety accidents that occur in the insured production and business operation units by insurance institutions.

The personnel caused by ** and related economic losses shall be compensated, and the insurance of accident prevention services shall be provided for the insured production and business operation units.

Safety liability insurance is mainly for high-risk industries.

The coverage mainly includes personal injury compensation, medical expense compensation, third party liability compensation, etc.

Extended Materials. Car insurance is actually car insurance.

Now many people after buying a car, they often insure a certain amount of car insurance for their car, so that if an accident occurs and causes personal damage to the motor vehicle or the driver or the passenger, then you can also get some compensation, which is also a measure to transfer the risk of the parties. Specifically, what are the more common car insurance in China now? Here's a detailed answer for you.

The types of car insurance are:

Mandatory third party liability insurance.

Needless to say, it must be bought.

Vehicle damage insurance.

Due to natural disasters.

or the loss of the vehicle itself caused by an accident, the insurance company is responsible for bearing (not necessarily in full).

It is recommended to buy a new car and a novice, and friends with several years of driving experience can choose not to have car damage insurance without deductible.

Or an absolute deductible.

The part that must be deducted for each accident) can save some premiums, and old drivers can not buy this insurance.

Commercial Third Party Liability Insurance.

Responsible for the liability for direct damage to the person** or property of another person (i.e. a third party) caused by an accident in the use of the insured vehicle. There are many grades, there are 50,000, 100,000, 200,000, 300,000, 500,000 and so on, and car owners can choose according to their actual situation. Now it is generally necessary to pay more than 300,000 yuan for killing a person.

It is recommended to purchase this insurance for all.

Deductible special insurance is not included.

This insurance can only be purchased on the basis of both vehicle damage insurance and third party liability insurance. The insurer shall be responsible for the compensation for the deductible calculated in accordance with the provisions of the basic insurance within the amount that meets the compensation requirements. In other words, after applying for this insurance, the insurance company will compensate for all losses incurred by the vehicle in terms of vehicle damage insurance and third-party liability insurance.

Without this type of insurance, the insurance company must distinguish the liability when compensating for the losses within the scope of the car damage insurance and the third-party liability insurance: if you are fully liable, 80% will be compensated; 85% of the main responsibility; 90% of the same liability; 95% of the compensation for secondary liability. The other % of the accident losses will be out of your own pocket.

This insurance is recommended for new owners.

Liability insurance for people on board.

Responsible for insuring the liability for the direct damage to the person on the car and the goods contained in the car due to an accident. The insurance company is responsible for a portion of the compensation. You can choose according to your own situation, because this insurance is not expensive, more than 100 yuan, it is recommended to buy.