Can public liability insurance only pay up to 7 ?

1.Please first make sure that the factory employee is an employee of your unit, if so, don't look for the insurance company, find a place to go, because that person does not belong to the category of a third party, the insurance company should not pay.

2.Excluding the above situation, if your unit, as the organizer, is indeed negligent and should be liable for compensation for this accident, then it should be calculated normally in accordance with the insurance contract, and the public liability insurance does not stipulate that you must be compensated for the full amount of death and injury.

3.If the reason for the insurance company to pay compensation at 70% is insufficient, it should pay according to the total loss minus the deductible or deductible for each accident agreed in the policy (please refer to the policy for the specific amount or proportion).

Hope that helps.

To be clear: it was the company's employee who was injured and wanted to be compensated by the insurance company, but the insurance company took out public liability insurance, not employee accident insurance.

No compensation will be paid according to the insurance liability.

Because: the company's employee injury --- is covered by "employee accident insurance" or "employer's liability insurance".

The insurance liability of public liability --- the economic compensation liability that should be borne by the insured in accordance with the laws of the People's Republic of China (excluding the laws of Hong Kong, Macao and Taiwan) in accordance with the laws of the People's Republic of China (excluding the laws of Hong Kong, Macao and Taiwan) due to an accident caused by the business within the area specified in the insurance policy, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract. Employee accidents involving employees of the Company are not covered by public liability insurance.

It is recommended to improve the protection of enterprise employees, and it is recommended to increase employee accident insurance or employer's liability insurance.

Shenyang customer plus Q

To put it simply, the public liability insurance compensates your company for the personal or property damage of a third party caused by an accident in the production and business activities, so it depends on what your company does, if the wall or guardrail collapses and crushes the vehicle, it should be compensated under the public liability insurance.

Public liability insurance, also known as general liability insurance or comprehensive liability insurance, which covers the public liability of the insured, is an independent and most widely applicable insurance category in liability insurance. Public liability insurance indemnity is divided into:

1. Stipulate the limit of wanton and cautious mixing for each accident. There is no sub-limit, no cumulative limit, only the maximum limit of the sum of the property damage and personal injury losses of the owner of each accident, which has no impact on the total amount of compensation for the entire insurance period.

2. Stipulate the itemized limit and cumulative limit of each accident, that is, determine the respective compensation limit for personal injury and property loss of each accident, and determine the cumulative compensation limit during the insurance period.

3. Stipulate the mixed compensation limit and the cumulative compensation limit for each accident, and the current public liability insurance generally adopts the first method, but the second or third method can also be used to determine the compensation limit according to the specific situation.

Legal basis. 23 Commercial Insurance Law 23 After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary on compensation or payment of the insured amount. If the insurance contract stipulates the insured amount and the period of compensation or payment, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the provisions of the insurance contract.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the insurer's obligation to compensate or pay insurance money, nor may it restrict the right of the insured or beneficiary to obtain insurance money.

The amount of insurance is the maximum amount of the insurer's liability to compensate or pay the insurance money.

Legal Analysis: Public Liability Insurance Rates are different from other insurance rates in that there is no fixed rate schedule, but rather on a risk-based basis. So it's uncertain how much public liability insurance costs a year.

Legal basis: Article 55 of the Social Insurance Law stipulates that if the policyholder and the insurer agree on the insured value of the insured object and specify it in the contract, when the loss of the insured object occurs, the agreed insured value shall be used as the compensation calculation standard.

If the policyholder and the insurer have not agreed on the insured value of the insured object, the actual value of the insured object at the time of the occurrence of the insured event shall be used as the compensation calculation standard when the insured object is lost.

The sum insured must not exceed the insured value. If the insured value is exceeded, the excess part shall be invalid, and the insurer shall refund the corresponding insurance premium.

If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation according to the ratio of the insured amount to the insured value.

Public liability insurance refers to the lack of mountains in the area specified in the insurance policy, due to the accident within the scope of its business activities, resulting in the personal and property losses of a third party, for the economic compensation liability that should be borne by the insured according to law, the insurance company will compensate on behalf of the insured.

Favoner Law Basis:

Insurance Law of the People's Republic of China

Article 33 An insured person may not take out a life insurance for a person who lacks capacity for civil conduct, and the insurer may not underwrite the insurance with death as a condition for the payment of insurance money. The life insurance taken out by parents for their minor children is not subject to the restrictions of the preceding paragraph. However, the total amount of insurance benefits paid due to the death of the insured shall not exceed the limit prescribed by the insurance regulatory authority.

Article 34 A contract in which death is a condition for the payment of insurance money shall be invalid without the consent of the insured and the approval of the insured amount. An insurance policy issued pursuant to a contract with death as a condition for the payment of insurance benefits may not be transferred or pledged without the written consent of the insured. The life insurance taken out by parents for their minor children is not subject to the restrictions provided for in the first paragraph of this article.

Article 35 The insured may pay the insurer all the insurance premiums at one time or in installments in accordance with the contract.

Article 36 After the insured pays the first installment of the insurance premium, unless otherwise agreed in the contract, if the insured fails to pay the current insurance premium for more than 30 days from the date of the insurer's reminder, or fails to pay the current insurance premium within 60 days after the agreed time limit, the validity of the contract shall be suspended, or the insurer shall reduce the insurance amount in accordance with the conditions agreed in the contract.

1. How to calculate public liability insurance.

From the perspective of risk assessment, entertainment venues such as restaurants, amusement parks, bars, Internet cafes, and game halls, as well as public places such as large stadiums and large amusement parks, are characterized by a high degree of personnel density and many hidden risks. At present, there are two ways to calculate the premium of public liability insurance: one is based on the compensation limit (cumulative or per accident compensation limit); The second is to calculate the premium according to the size of the business premises.

The premium varies depending on the size of the business and the amount of insurance, generally ranging from a few hundred to several thousand yuan.

2. Determination of the scope of use and compensation of public liability insurance.

The use of public liability insurance is very wide, mainly site liability insurance, contractor liability insurance, etc. - including the well-known hotel liability insurance, elevator liability insurance, exhibition liability insurance, etc.

Determination of the compensation for public liability insurance:

1. The insurer receives a notice of accident or a claim for compensation;

2. Verify the relevant situation of the liability accident;

3. Write an investigation report as the basis for determining the liability and calculating the compensation;

4. Conduct responsibility audit;

5. Prepare for a protest, and if necessary, you can protest in the name of the insured or together with the insured;

6. The compensation shall be calculated on the basis of the court judgment or the amount of compensation determined by the multi-party negotiation.

Public liability insurance is an insurance purchased by the operator or organizer to transfer the economic liability for personal or property damage caused to others due to accidents when carrying out production, business or other activities in public places to the insurance company. There are two characteristics of public liability covered by public liability insurance: first, the object of damage caused by Li Heng is not a specific person in advance; Second, the harmful act is a damage to the interests of the public. That is, in fact, compensation to the injured parties other than the operator or organizer, i.e., consumers and the public.