How to invest in Xiamen in the field of high -risk industries?The guide is here →

Drawing Zhang Pingyuan

Recently, the Municipal Emergency Bureau, the Finance Bureau, the Construction Bureau, the Transportation Bureau, the Marine Bureau, the Port Bureau, and the seven departments of the Xiamen Banking Insurance Regulatory Bureau jointly formulated the "Implementation Opinions on Implementation of the Protection of Safety Production Responsibility for High -risk industries".

On September 1, 2021, the newly revised "Safety Production Law" was officially implemented, which clearly stated that it was forced to implement safety production liability insurance in high -risk industries and increased penalties. Implement the newly revised "Safety Production Law" and the spirit of the relevant policy documents, and accelerate the implementation of the implementation of "security and insurance" in the high -risk industry field in our city. Require.

According to the implementation opinions, our city will implement "security and insurance" in the field of high -risk industries in accordance with the way of "policy guidance, forced insurance, government promotion, and market operation" to encourage active insurance for other industries.

In 2022, the city established the "security and insurance" policy and system within the city's high -risk industries, and the branch industry has been steadily promoted. Strive for the first half of 2023, comprehensively build the city's safety production responsibility insurance system to achieve the full coverage of "safety and insurance" in production and operation units in high -risk industries, and provide safety education and training for participating enterprises, investigation of hidden dangers of accident hazards, and other accidents. The service is fully covered and promoted the extension of "security and insurance" to other industries, and continuously improved the level of safety production management.

The competent departments of industries at all levels will give priority to enterprises that insure "liability insurance" under the same conditions in terms of investment in the investment of financial funds, credit financing, project establishment, project establishment, entering industrial parks, and related industrial support policies.

Which areas of high -risk industries are forced to implement "security and insurance"? How to insure "security and insurance"? How much is the rate? Yesterday, the relevant person in charge of the Municipal Emergency Administration interpreted the "Implementation Opinions on Implementing the Protection of Work Safety in the Field of High -risk industries".

[Scope of implementation]

Forced implementation of "security and insurance" in high -risk industries

According to the implementation opinions, the city's non -coal mines, hazardous chemicals, fireworks and firecrackers, transportation, construction construction, civil explosive items, metal smelting, fishery production and other high -risk industries are enforced in high -risk industries. The implementation plan is formulated and promoted by the department in charge of the corresponding industry field.

Encourage other industries to actively insure. Implementation opinions have not clearly carried out other industries in the security and insurance work. In accordance with the requirements of development needs and related documents, the industry authorities are responsible for the promotion and implementation of safety and insurance work in the industry.

【Two -way compulsory】

Inspection of "security and insurance" must cover all employees

Production and operation units in high -risk industries shall be insured "security and insurance". Insurance institutions shall provide an accident prevention service for insurance enterprises in accordance with the requirements of the "Specifications for the Prevention of Safety Production Responsibility Insurance Accidents". They shall not refuse to perform the obligations stipulated in the insurance contract for any reason, and shall not charge separately.

When the enterprise is insured with "security insurance", all employees shall be covered and the same insurance amount standard shall be implemented. It shall not be treated due to different jobs and jobs. The insurance premium shall be fully borne by the insured enterprise and shall not be sent to the employees.

According to the implementation opinions, insurance institutions should establish an accident prevention service system and provide accident prevention technical services through internal institutions or entrusted relevant social service institutions. If a major hidden danger refuses to rectify, insurance institutions shall report relevant departments with safety supervision responsibilities, and can float insurance rates in the next year.

【Reasonable rate】

In principle

"Safety and Insurance" adheres to the principle of protecting the capital, and rationally determines the safety of production responsibility for production safety and the level of insurance protection, but increases more corporate burden. The difference rate is implemented according to industrial differences and risks; the same industry implements a grade rate according to the risk level of the same industry, the type of enterprise type, product difference, and production scale; Floating rate. In addition, enterprises have converted to "security insurance" without increasing corporate burden on accidental injury insurance, "intention insurance", insured carrier liability insurance, employer liability insurance, etc., and can not increase corporate burden.

【Insurance duty】

Including personnel casualties and property losses, etc.

What are the "security insurance" insurance liability? According to reports, the "security and insurance" insurance liability includes compensation for personal casualties, compensation for personal casualties and property losses for third parties, compensation for accidental rescue, medical rescue, accident appraisal, legal litigation and other cost compensation Essence For enterprises with high -risk dust operations, high poisoning operations or other serious occupational diseases, it can increase occupational disease -related insurance.

【Insurance claims】

Pay a small amount of a large amount of prepaid

After an accident in the insurance production and operation unit, the insurance institution shall actively assist in the relevant work such as rescue and disaster relief and accident treatment, and strictly approve the loss and compensation of the insurance premium in accordance with the contract.

Insurance institutions shall establish a fast claim mechanism such as small fast payment, large -scale prepaid, and emergency expenses to resolve contradictions and disputes in a timely manner. For small cases with real and clear responsibilities, the claims process should be simplified, and quickly pays in accordance with the laws or contracts in accordance with the law or contract; Compensation first.

【supervised check】

Failure to insure in accordance with regulations included in the "blacklist"

The implementation opinions are clear that the supervision and inspection of the insurance of the enterprise must be strengthened. The enterprise fails to insure or renew the insurance in accordance with the regulations, and the premiums will be distributed to the individual of the employees in various forms, and the rectification requirements shall be paid to the victims in time to pay the insurance premium to the victims. For refusal rectification, it shall be included in the "blacklist" management of the "blacklist" in the field of safety production, and if it violates relevant laws and regulations, it shall be investigated for its legal responsibility in accordance with the law. [Noun explanation] Safety production liability insurance

Safety production liability insurance is also referred to as "security insurance". It refers to the commercial insurance for insurance institutions to compensate personnel casualties caused by production and operation units in the insurance production and operation units and related economic losses, and provide business insurance for accident prevention services for insurance production and operation units. (Note: Inspection of "security insurance" in the high -risk industry, which is both commercial insurance, but also

【Link】

The newly revised "Safety Production Law" on the law of insured "security and insurance"

Article 51 The production and operation units must participate in work injury insurance in accordance with the law and pay insurance premiums for employees.

The state encourages production and operation units to insure production safety liability insurance; production and operation units that belong to high -risk industries and fields stipulated in the state shall insure production safety liability insurance. The specific scope and implementation measures shall be formulated by the State Council's emergency management department, together with the financial department of the State Council, the insurance supervision and management agency of the State Council, and the relevant industry authorities.

Article 109 If the production and operation units of high -risk industries and fields fail to insure production safety responsibility insurance in accordance with national regulations, they shall be ordered to make corrections within a time limit, and shall be fined 50,000 yuan to 100,000 yuan. The above fines below 200,000 yuan.

(Xiamen Daily reporter Liu Yan correspondent Xu Zhijun)

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